davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-10
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)

I am XXXX submitting this complaint against Experian and there is no third party involved. 

I demand Experian to provide me a copy of my written consent and written instructions to furnish these fraudulent and inaccurate said accounts. 

Collection Acct -XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX - {$3500.00} Inquiry - XXXX XXXX XXXXXXXX XX/XX/XXXX Inquiry - XXXX XXXX XX/XX/XXXX Also provide me with Experian 's Verification method to " verify '' said accounts. 

In accordance with the FCRA Experian has violated my rights. 15 USC 1681 section 602 states I have a RIGHT TO PRIVACY. Also 15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my WRITTEN instructions. 

Delete these accounts immediately.
Consumer complaint received 2021-05-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Benworth Capital Partners LLC (CA)

XXXX was used to get a ppp loan they use Benworth to fund. I was approved by the SBA and Benworth funded me the {$2500.00} dollars but XXXX XXXX  sent back to benworth on XX/XX/XXXX th. Benworth has refused to help me only stating that I was funded. I have XXXX XXXX email stating they rejected it. Now theres no way of contacting XXXX or benworth and somewhere sits my bussiness money. That was for draw 1. now today Benworth just denied my draw 2 for reasons being I filed with XXXX most likely. So Benworth loans is not releasing my money and as a single father and triying to keep my bussiness going for me and my little boy Benworth has myself and thousands other not receiving there entitled monies. I have added 4 banks to XXXX  website for Benworth to send loan to and yet no answers. I have attached loan 1 and loan 2 and promissory note that I signed and was approved for AND HAVE NOT RECEIVED EITHER
Consumer complaint received 2022-04-10
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX Original creditor : XXXX XXXX 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 2024-04-05
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: TRANSWORLD SYSTEMS INC (IL)

I have this collection that keeps appearing on my account every 6 months or so about XXXX. I have never owned a XXXX connection. I have no idea of how it got opened and I believe it to be identity fraud or a mistake from the company.
Consumer complaint received 2021-05-14
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (IL)

Synchrony bank did not apply my payments correctly and as a result I was hit with {$900.00} in deferred interest in XX/XX/2020 and again in XX/XX/2020 for XXXX. I had the payments set up to cover all of the promotional purchases and pay additional. They do not apply the payments to the expiring promotions first as they should after the minimum payments are satisfied for all of the other promotions. I spent hours on the phone with different people and two of the managers were just awful and just blamed me for everything Actually using the words that it is my fault. Constant interruptions and talking over me what I was trying to explain the problem and request a full review of my account how payments were applied and when. I actually didnt get to realize the problems that happened in XXXX until I called back and got another representative who actually took the time and reviewed my account. I asked to escalate to a manager above them and they said no they wouldnt even put me into a voicemail and somebody was supposed to call me back and they never did. I went online and sent an email and they said because of the nature of the complaint they were going to forward it to corporate never heard a word and its been months. I wanted paper statements and when I asked for them then my online statements got turned off and I couldnt see my promotions. This company has deceptive business practices and they set people up so they miss their deadlines for promotions.
Consumer complaint received 2015-04-26
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

This is to inform you that on XXXX/XXXX/XX/XX/2015 I send {$1000.00} to XXXX for a relative, when she tried to withdraw the money, they told her the money was not under her name but under a male named XXXX XXXX. I do not know this person whatsoever. After many tries they told her the reference number was correct but the name was different, immediately I called Money Gram Payment Systems to stop the transfer. The operator simply just transferred me to another department, and then to another, and by the XXXX operator they tell me that the money had been withdraw-ed minutes ago. I let them know that they are wrong because my relative is n't being able to collect the money. And they start a case and say that they will need two weeks to investigate. After two weeks I called Money Gram Payment Systems and no one knew anything regarding the case, they had no information to give me. When I demanded answers the operator simply ignored my questions and at XXXX point hung up the phone on me. On XXXX/XXXX/XX/XX/2015 I went back to the Money Gram Office I had used to sent the money from, and the employee contacted the Money Gram Main Office, and after being transferred to many departments as usual, they had no answers and now they need 90 days to investigate. In my opinion they are playing games, or ignoring me, because they can simply open files on their system and find out which employee, and which office authorized to change the name, just by a XXXX of clicks on the computer. I simply sent money to a relative and some stranger collects it? That seems fishy to me. I 'm not understanding how that happened. After a conversation with my relative she says that the bank manager in XXXX told her that they can not change anything on the orders, not even a name once the sender sends the money. If that 's the case then how did a random stranger with a different name than the recipient 's name collect my money? As far as I see it Money Gram Services is at fault for not taking care of the money and giving it to the correct person. I really think they violated my trust, broke a contract and simply stole my money. I want and need my money back as soon as possible and an explanation what happened.
Consumer complaint received 2022-04-10
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: DISCOVER BANK (IL)

A Account was fraudulently Used and exploited In my name with information from DISCOVER BANK account number XXXX I sent there investigation team multiple reports inorder to correct the reporting of this account because I was held responsible for the account I had to pay the balance of XXXX so that the account would not completely ruin my credit. I also filed a police report and sent it to the creditor .the fraudulent account now reports as paid but the account is still reporting incorrectly and should be removed I am still suffering from the covid 19 pandemic and an trying to obtain a mortgage this account reporting on my credit is stopping that from happening
Consumer complaint received 2022-10-12
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: Experian Information Solutions Inc. (AZ)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. Did not consent to unauthorized inquiry XXXX  XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. Did not consent to unauthorized inquiry XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. Did not consent to unauthorized inquiry XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

12. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

14. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

16. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

18. Validate Account XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

23. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

25. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2021-05-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (MD)

On XX/XX/XXXX, I paid a {$500.00} appraisal fee for the refinance. 
On XX/XX/XXXX, we closed the loan and paid an additional {$500.00} appraisal fee at closing. 
On XX/XX/XXXX, I alerted the lender ( Amerisave ) to the mistake and double charge. XXXX XXXX of Amerisave responded that day acknowledging the mistake and stating she initiated the refund process. 
On XX/XX/XXXX, I emailed again to follow up with no response from Amerisave. 
On XX/XX/XXXX, I emailed again and a supervisor ( XXXX XXXX ) said he would process it. 
On XX/XX/XXXX, I emailed again to follow up with no response from Amerisave. 
On XX/XX/XXXX, I emailed again to follow up and notified the lender that my next attempt at resolution would be to file a complaint with CFPB. That day, XXXX XXXX responded that the refund was submitted. He promised it would get processed. XXXX XXXX responded that it was submitted to accounting via check. I asked for a timeline of how much longer could be expected and received no response. 

To this date, XX/XX/XXXX, I have received no further response and no check for {$500.00} or accrued interest on the {$500.00}.
Consumer complaint received 2024-03-08
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. (TX)

I filed a dispute regarding a collection from XXXX XXXX XXXX. The original creditor was XXXX XXXX. The XXXX XXXX account was opened prior to my XXXX XXXX bankruptcy in 2020. When I disputed this collection with TransUnion they promptly refused my dispute without providing any evidence of an investigation. I even provided them with my case number, court district, and discharge date to aid in their investigation. 
I have had this issue with transunion, and only transunion, multiple times where the collector finally took action to delete the inaccurate information that transunion fraudulently verified as accurate.
Consumer complaint received 2022-04-10
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. (NJ)

In accordance with the Fair Credit Reporting act Account number 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 2022-04-10
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. (FL)

XXXX XXXX XXXX {$29.00} Date XX/XX/2018 acct endin XXXX In accordance with the Fair Credit Reporting act 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 2022-04-10
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. (AP)

Hello, I am an active duty military member who currently serve overseas. I would like to know if someone could please assist me with this matter. Thank you. 

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

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

15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (LA)

I occurred hardship over the past year due to divorce and applied for a loan modification to lower mortgage payment during community property and divorce settlement process. 
Original modification request XX/XX/XXXX. All documentation sent in. 
XX/XX/XXXX, I reached out to citizens who stated that I had to start a new request and resubmit all info and needed to email certain documents to a particular email group. After following up several times it seems " no one has received some of my emails or The ones we just opened exceed the 30 day window and you need to resubmit them. These were sent over 4 times with the email verified as well. 
XX/XX/XXXX, online account confirmed all required info was received and packet complete and wait 30 days for review. 
XXXX XXXX, I contacted for update and they stated I should receive letter in the mail re : decision XX/XX/XXXX, couldnt access online account and mortgage account closed via credit report. 
XX/XX/XXXX no communication from them. Multiple attempts and several hours with customer service on hold. Disconnected with no follow up. 
XX/XX/XXXX, mortgage statement owing $ XXXX and info on how to apply for assistance. 
XX/XX/XXXX, credit score dropped to Poor. 

Calling customer service requires a day off of work, as you are on hold of the time speaking with various customer service representative very broken XXXX. Not to mention, Im repeating the same information over and over to each person they connect me to. After several hours, it is guaranteed that the phone will get disconnected. Beyond frustrated and stressed out is an understatement. This financial corporation its more than incompetent.

On top of this extremely stressful situation with divorce and custody, I still have not gotten anywhere with the lowering of my mortgage payment, have an unacceptable credit score, and fear the loss of me and my childrens home. And now most recently, attorneys fees that are going be associated with getting this resolved.
Consumer complaint received 2022-10-24
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. (PA)

Good evening. The XXXX  XXXX XXXX account that appears on my credit profile at XXXX Equifax and XXXX has be disputed several times since XX/XX/XXXX for inaccuracies, incompleteness and unverifiable information. Number XXXX this account was disputed in XX/XX/XXXX and by XX/XX/XXXX the notice of dispute was never entered which is to be entered within the thirty day timeframe required by fcra guidelines. For this account to be verified as accurate Im not Understanding how all three bureaus report different information about the SAME EXACT account. It seems to me as though this count can not be verified accurately and it is my right to have XXXX percent accurate complete and VERIFIABLE information on my report. I have attached proof of the discrepancies that each bureau is reporting, such as XXXX reports status updated XX/XX/XXXX where transunuin status updated XX/XX/XXXX and Equifax reports XX/XX/XXXX. How is this possible if all three claim to have investigated this account properly? Another example is the payment history on this verified as accurate account - transunuin shows no information for payment history where XXXX and Equifax report payment history but it doesnt match. ( Equifax shows ok for XX/XX/XXXX and XXXX shows charge off for XX/XX/XXXX ) if these bureaus all verified this account as accurate then shouldnt they all report the SAME information??
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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
Consumer complaint received 2022-04-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE (MD)

XXXX : XXXX XXXX released a wire transfer of {XXXX} to privat bank XXXX XXXX, XXXX XXXX XXXX, through bny as corespondent bank. XXXX states that they haven't received the funds until now! the XXXX recipients are in dire need of th ese funds!! the wire confirmation is XXXX. this is a significant amount that i can't replicate to send via other means! please let me know wh y XXXX hasn't received i! if there's a real problem, how can i get the funds ret urned to me? 

-- -- -Original Message -- -- - From : XXXX XXXX XXXX XXXX To : XXXX Sent : Mon, XX/XX/2022 XXXX pm Subject : Your XXXX XXXX wire transfer confirmation and receipt XXXX XXXX XXXX You've successfully submitted your transaction Please keep this message as your receipt. 
Wire details Confirmation number XXXX Send to XXXXX XXXXXXXXXXXXX XX ... XXXX From account ( debit account ) EVERYDAY CHECKING ... XXXX Wire currency US Dollar ( USD ) NOTE : This transfer is being sent in USD Send on XX/XX/2022 Deliver by XX/XX/2022 Originator ( sender ) information Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Recipient information Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Recipient bank information Bank name XXXX XXXX XXXX Bank country XXXX Bank ID XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following items will be debited from your account : Transfer amount {XXXX} Wire transfer fee {XXXX} Taxes {XXXX} Total USD from account {XXXX} Exchange rate N/A Recipient amount and fees Transfer amount {XXXX} USD Other fees XXXX USD Total for recipient XXXX USD Note : Recipient may receive less due to fees charged by the recipient 's bank and foreign taxes. 
Availability date XX/XX/2022 -- -- XXXX : why now after i've sen t funds three months in a row? what is the issue? i would like to respond. Se nt from XXXX XXXX Mail : XXXX XXXX On Thursday, XX/XX/2022, XXXX XXXX, XXXX Payments Investigations Inquiries   wrote : Hello We received the payment under ref XXXX XXXX however it is pending XXXX review under our inquiry ref XXXX XXXX. a msg has been sent to XXXX XXXX under our ref for further details required. Thank you XXXX -- -- Hello, Details are only acceptable through the Banks and we can not release any information to you. Thanks,, BNY Mellon
Consumer complaint received 2021-05-14
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (CA)

Company called us to say they could lower our rate. We submitted all personal documents and the new rate and low was approved. Been trying to schedule a signing and now they want us to get a Power Of Attorney so I can sign for my husband since he is out of the state for work. We did all that. They are delaying our closing and will not return our calls or emails. This has been the most run arrow down for months. Our representative, XXXX XXXX ( phone numberXXXX ) is the worst. No follow through. Wont return calls, and no one has any motivation to actually work. Tons of back and forth XXXX. Pretty sure the company is going bankrupt.