davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: STATE EMPLOYEES CREDIT UNION (NC)

o I am a member of SECU my name is XXXX XXXX. I have a concern with a change that has been made within the bank that is affect me personally. Something like the salary advance loan that you have, I use about 3 apps that use XXXX to connect banks in order for me to advance some funds until my next paycheck. With covid & with my children this helps me to a MAJOR extent so that my children and I are not without. I called to speak to someone about it & she was very nonchalant about the situation as if we are not in the middle of pandemic and peoples hours arent cut short, like we cant use all the help that we can get. Im sure I can not be the only member affected by this change. So now my next paycheck Im going to be losing about {$300.00} dollars that i wont be able to get back because of this XXXX policy. With this change are you all planning to help customer who experience a loss in situations or you all just dont care??? Im confused Ive always trusted a credit union no notice of this change or nothing so I couldve known not to advance. It is very much an inconvenience!
Consumer complaint received 2023-03-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to dispute the inaccuracies on my credit report that have been reported by the following creditors : XXXX CHILD SUPPORT XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX. 

XXXX CHILD SUPPORT XXXX has reported inaccurate information to the credit reporting agencies, which may potentially violate the Fair Credit Reporting Act ( FCRA ) section 623 ( a ) ( 1 ) ( A ). Additionally, this creditor has failed to report the correct account status, which may potentially violate FCRA section 623 ( a ) ( 2 ). Furthermore, XXXX CHILD SUPPORT XXXX has reported different account type information on different credit reports, which may potentially violate FCRA section 623 ( a ) ( 1 ) ( B ). 

XXXX XXXX XXXX XXXX has also reported different account type information on different credit reports, which may potentially violate FCRA section 623 ( a ) ( 1 ) ( B ). Moreover, this creditor has reported inaccurate last reported dates, which may potentially violate FCRA section 623 ( a ) ( 1 ) ( A ). 

XXXXXXXX XXXX XXXXXXXX has reported different account type information on different credit reports, which may potentially violate FCRA section 623 ( a ) ( 1 ) ( B ). Additionally, this creditor has failed to report a monthly payment amount, which may potentially violate FCRA section 623 ( a ) ( 5 ). Furthermore, XXXX XXXX XXXXXXXX has reported different credit limit information on different credit reports, which may potentially violate FCRA section 623 ( a ) ( 1 ) ( D ). Finally, this creditor has reported inaccurate last reported dates, which may potentially violate FCRA section 623 ( a ) ( 1 ) ( A ).

These inaccuracies have affected me greatly, both financially and emotionally. As a result of these inaccuracies, my credit score has been negatively impacted, making it difficult for me to secure loans or credit cards with favorable terms. This has made it challenging for me to provide for myself and my family, and has caused me a great deal of stress and anxiety. 

Therefore, I am requesting that these unverified collection accounts be removed from my credit report as soon as possible. I am hoping for a prompt resolution to this matter, and I would appreciate any assistance you can provide. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-07-26
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. (MO)

Experian credit reporting agency, reports they recived information, from my creditor that my car loan was closed and they was unable to contact consumer ( me ). Creditor XXXX never reported account was closed, up on filling dispute, creditor provided Experian with updated info of account in good standing. Experian refuse to change negative remarks on credit report ... .original creditor XXXX produced actual paper workout detailing their communications with Experian credit agency .
Consumer complaint received 2022-07-26
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: CRESCO CAPITAL INC. (FL)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's 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, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions I
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: I.C. System, Inc. (MN)

There is a fraudulent account on my credit report from your company. This information does not belong to me. I have attached a copy of my driver 's license and the police report as well. Please feel free to contact me if you have any questions. The account details are listed below.

1. IC System, Inc : Original Creditor : XXXX XXXX- Balance : $ XXXX- Acct No Beginning in : XXXX - Reported on : XX/XX/2024
Consumer complaint received 2024-05-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: PENTAGON FEDERAL CREDIT UNION (FL)

I paid XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, FL XXXX ) a total of {$2200.00} for dental services received. I paid with my XXXX card issued by Pentagon Federal Credit Union ( XXXX, VA ). I was overcharged by XXXX in the amount of {$920.00} as stated to me in written document sent by my insurance company, XXXX XXXX ( XXXX ). I requested a refund from XXXX due to their knowingly overcharging me from the rates agreed to between them, myself and my insurance company. XXXX refunded me the amount of {$780.00}, credited to the original form of payment ( credit card issued by PFCU ). In this way they admit I was overcharged and issued two payments as refund. However I am still owed {$130.00}. I asked the credit card company to intervene and initiated a dispute. PFCU told me my dispute was not timely and therefore it was rejected. They are holding me liable for whatever XXXX tells them I owe and fails to refund. PFCU has even charged me interest on the amount I still am disputing and are holding me liable. I explained that the reason for the delay in bringing the dispute was not due to negligence on my part but on intentional delays by XXXX and XXXX in trying to resolve the issue and I could not proceed only I obtained something in writing from XXXX stating clearly the amount I owed as opposed to the amount I was charged. I tried to get PFCU to initiate a new dispute after each refund XXXX gave me and perhaps start the clock again, but they have not done so and insist on holding me liable for XXXX 's fraudulent charges. They refuse to give me the protections I am due for credit card purchases. In fact PFCU closed the case without even notifying me and started charging interest and demanding payment for charges I am not liable for. I, XXXX, XXXX XXXX and Pentagon Federal Credit Union are fully aware of all these details and have the documentation and recorded calls to verify all of this. I will send you my documentation on request.
Consumer complaint received 2022-07-26
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. (GA)

On XX/XX/2022 I submitted a dispute and a complaint with the CFPB about The 3 Consumer reporting agencies XXXX and XXXX and Experian are reporting and furnIshing inaccurate Information on my Consumer report. All 3 are reporting inaccurate and different information FRCA States all Information Reporting Must be Accurate in 4 days from todays date which is XX/XX/2022 it will be almost 60 days since I submitted my dispute and complaint with the CFPB to all three consumer reporting agencies only 2 has responded since XX/XX/2022 which is XXXX and XXXX in the qualified time Frame. Now I have not heard a not one response from ( Experian ) at all whatsoever though i understand that each consumer reporting agency does not communicate with each other I do not see why it is taking so long for them to produce results to this inaccurate information i that i found from Experian when i placed the same dispute and complaint with XXXX and XXXX at the same time. 

I WANT TO KNOW WHAT IS THE VALIDATION VERIFICATION METHOD USED TO VALIDATE THIS INFORMATION __________________________________________________________________________________________________________________________________________ ENCLOSED BELOW IS PROOF OF EACH INACCURATE ACCOUNT IN PDF FORM EVERYTHING THAT I HIGHLIGHTED IN YELLOW IS INCORRECT AND INACCURATE AND BY LAW MUST BE REMOVED!!!
Consumer complaint received 2022-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, 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 2023-03-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Every time I reach out for a debt validation letter and a proper investigation, I get a letter back stating that its verified with no proof that the debt was validation or anything. They Threaten me with a potential legal actions and initiating debt collection lawsuits without offering or possessing required documentation : XXXX XXXX XXXX Amounts. {$1000.00}, {$530.00}, {$2100.00}, {$900.00}
Consumer complaint received 2022-07-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (FL)

Previously filed with Consumer Finance.gov regarding Truist Claim XXXX Truist has denied previously filed claim because the transaction was authorized even though it was done through a scammer 's fraudulent website. I now find that in XX/XX/2021, the Consumer Financial Protection Bureau issued guidance to banks that authorized scam transactions considered fraudulent P2P transactions because although, they were initiated by someone else, a scammer 's website in my situation, and I, the consumer, received no benefit. I understand that these guidelines are going to be further clarified in coming weeks requiring banks to repay customers who fall victim to alleged money-transfer scams by deeming payments made to a scammer as unauthorized. 
In the mean time, do I need to keep my case open to allow a future claim, contact my local news station or do whatever to retrieve my {$270.00} scammed funds. What bothers me most is that there is nothing I'm aware of where Truist made attempts with XXXX XXXX ( scammer 's bank ) to hold the funds pending investigation. Especially bothersome is that Truist as with most banks are aware of XXXX not vetting their clients as well, leading to further scams. The scammer 's website XXXX XXXX XXXX has since been shut down.
Consumer complaint received 2023-03-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is an after I'm writing a complaint to ask you once more to look into the false accounts you've been reporting on my credit file. I'm writing to challenge the veracity of some data on my credit report that I obtained from your bureau. I just looked over my credit report from other credit agencies and discovered that several accounts were being reported incorrectly. Particularly, the following accounts display inconsistencies : XXXX XXXXXXXX Balance : {$2500.00} US DEPT OF EDXXXX XXXX XXXX : {$85000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}. According to the Fair Credit Reporting Act, account information must be reported accurately or updated. I request that you review the information on my account and make the relevant modifications as soon as possible.
Consumer complaint received 2018-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

As of today, XX/XX/18, I noticed a pending transaction in my bank account in the amount of {$19.00} for TransUnion which I unknowingly signed up for several months ago when trying to do the free report. The previous withdrawals from my bank account escaped my notice until now. I have never received a single email confirmation or any correspondence to suggest that I was a part of a monthly subscription. I had no idea. Additionally, the email TransUnion had on file for me, after I went on today to cancel my account, was one they generated themselves which was blackhole @ tu. [ something ], which was completely unknown to me. 

I called today to cancel the subscription I never knowingly signed up for, and they wanted my social, address, and birthday. Not willing to give this information over the phone, I refused, and they were unable to continue to cancel the subscription. I found a link online to cancel it, and I will know if it worked next month at this point as there is still no confirmation email or any sort of in program confirmation page.
Consumer complaint received 2022-07-26
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. (IL)

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 XXXX 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 XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2019-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Neon Newco Corporation (CA)

Hi, just open my mail and see this master card on my name i was big surprise and upset how this is possible company name is NETSPEND I already try to call on those number on the card and also customer service for NETSPEND and just getting those Automated calling system asking me to activate the card I received and I know when I do that there is no way going back, I already spend to much of my time on this, Please do something about this NETSPEND. there are with XXXX and Address on the paper is, XXXX XXXX XXXX, TX XXXX. 

THANK YOU. 

XXXX
Consumer complaint received 2018-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: GREAT WESTERN BANCORP, INC. (SD)

My ex spouse had a credit card for his business as his worry free for a checking account. He was deemed responsible For this account in the divorce and did not remove my name. Later he filed bankruptcy and this account was to be closed. It has not been closed and is showing up on my credit record. My name is not spelled correctly nor am I sure I actually signed it. Someone did but?? So between the divorce decree and the closed status through bankruptcy the bank will not close or remove this from my credit record the amount was {$2000.00}
Consumer complaint received 2023-04-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

In XXXX I took out a mortgage with Carrington Mortgage Services. In XXXX, when Covid lockdowns happened, I was concerned about being able to pay my mortgage in the event that my XXXX checks got held up by the XXXX XXXX XXXX put me in forbearance without any consent from me. When I told them I wanted off of it they told me I had to make a payment by XX/XX/XXXX, or I would be charged for all four months of payments. I sent a cashier 's check early. They rejected the payment because it was OVER by one cent. They then immediately told me I had to come up with four mortgage payments and threatened to foreclose on my house. I was forced to borrow money from a friend to prevent foreclosure but the bad credit remains. Carrington 's actions were predatory in every way. There were harassing phone calls and when I called them they made it impossible to speak to anyone who could " access my file ''. They arbitrarily rejected payments made in good faith because they could make more money by collecting bad debt or foreclosing. The second-and third-order effects of Carrington 's bad acts are that my credit is severely damaged, not just with them, but with all of the creditors I have struggled to pay as a result of their bad acts.
Consumer complaint received 2019-09-04
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. (OK)

I have a creditor who is showing me as deceased and I am unable to have this removed. 
I have filed disputes with the agency several times. I have sent them certified, notarized, and demand letters to no avail about this dispute. 

I have sent a letter to the company ( XXXX XXXX ) and have spoken to a XXXX XXXX, who claimed to be the secretary to the president. She stated that the credit bureau is the one who informed them I was deceased. I believe this to be an error because the credit bureau does not contact companies and tell them things such as this. Also, this company was the first company to show me as deceased. After sending disputes about this issue other companies that showed me as deceased have corrected this error. However, XXXX/XXXX XXXX refused to do so stating that they certify this information to be correct. 

I do not understand how a company can certify that I am deceased if I have disputed this fact, shown proof of this fact, with certified letters, notarized letters, a driver 's license, Social Security card, and a utility bill from an address I recently moved to. 

I have spoken to the fraud department at Experian and they have sent a letter to XXXX/XXXX XXXX to state that I am not deceased. This too has had no impact on the company. 

Now the problem I have is after all this proof and all the disputes, Experian is still saying that they will not remove the information from my report. I feel that even though I have followed every instruction Experian has given me to get this misinformation removed, they should remove it and not side with a company that is UNABLE to certify me as deceased since they DO NOT HAVE a death certificate.