davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-30
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. (MA)

How are you and how are you doing during this COVID-19? For the last 90 days i been trying to resolve an issue i see on my credit and supplied every type of documents to the XXXX XXXX   due to account that doesn't belong to me. I've asked several times for them to provide detail as shown below and they've failed several times. Again, I have disputed this item with the credit reporting agency and the original company and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2022-08-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I placed an International consumer money transfer in the amount of {$4000.00} XX/XX/2022, from XXXX Bank  XXXX XXXX Bank  in XXXX, XXXX, XXXX Bank of America. This complaint is directed against Bank of America for failing to fulfill its responsibilities as an intermediary, by obstructing the progress of the wire transfer, by not responding in a timely manner to inquiries and amendments from XXXX Bank  or from XXXX Bank. Furthermore, Senior XXXX investigator XXXX XXXX, who was tasked with investigating this particular wire transfer via a complaint I filed with Consumer Financial Protection Bureau, was unable to make ANY progress in the investigation due to obstruction by Bank of America, who do not respond to her inquiries in 9 days. XXXX XXXX has now requested an extension. Bank of America is not cooperating with, or not participating in, the investigation mandated by the CFPB, thereby interfering with my due process and obstructing my right to a fair and just investigation and a fair and just outcome. 

I believe this lack of transparency is part of a deliberate and concerted strategy of Bank of America to obstruct this investigation, in order to run the clock on the transfer, have the XXXX XXXX   return the transfer, obfuscate the details regarding the transfer, and then deny me access to my own funds. I am forced to conclude that they plan to keep my {$4000.00} and hide behind their lack of transparency and their wall of deliberate silence. In other words, I believe that they are committing organized institutional theft by a bank against its consumers. 

The {$4000.00} original money transfer was received in XXXX Bank headquarters, but could not be assigned to beneficiary account due to incorrect beneficiary account name and number. I was advised by XXXX to file amendments for beneficiary account name change and account number change, in person through XXXX bank employee XXXX, and then through XXXX Wire Disputes XXXX XXXX I filed Beneficiary Account Number amendment once and I filed Beneficiary Account Name amendment twice through XXXX Bank. I filed a request for Wire Transfer Return once. XXXX Bank filed request for XXXX  199 several times. 

It appears that Bank of America failed to transmit any of these amendments to XXXX Bank, failed to transmit the request for money wire return to XXXX Bank, failed to respond to XXXX Bank 's inquiries for additional information, and failed to participate in, or cooperate with, the investigation demanded by the CFPB. 

I wish the {$4000.00} be returned to me immediately or the next complaint will be with the Attorney General.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I have been blocked from my credit report online. I can not get my credit report through XXXX parties. I have contacted Equifax over XXXX times in order to fix the problem and nothing has been done.
Consumer complaint received 2022-08-29
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Kohn Law Firm S.C. (WI)

I received a letter with a warrant out for my arrest. I called them to see why the 1st lawyer hung up on me and said the warrant will stay if I dont pay them. 2nd lawyer ask a lot of questions about my kids and other things that didnt make sense I ask him what does that have to do with the letter of the warrant he told me in order to talk about the warrant I must answer all the question. Threaten to hang up the phone if I dont answer all the question and all I was calling to see why is there a warrant
Consumer complaint received 2019-02-06
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (SC)

***EQUIFAX HAS STATED THAT THEY HAVE DELETED/REMOVED/BLOCKED THESE ACCOUNTS FROM MY CREDIT FILE THAT I PREVIOUSLY FILED A COMPLAINT WITH CFPB COMPLAINT # XXXX DATED XX/XX/2018 THAT EQUIFAX HAS STATED WAS COMPLETE AND THEY CLOSED THE CLAIM WITH THE CFPB AS SATISFIED THE SAID ACCOUNTS WERE REMOVED/DELETED/AND BLOCKED. *** WITHOUT ANY WARNING EQUIFAX HAS PLACED THESE ACCOUNTS BACK ON MY CREDIT FILE WITHOUT ANY NOTIFICATION*** EQUIFAX PER FTC LAW ONCE A ( identity theft police/report is filed ) ALL ( 3 ) CREDIT SUPPOSED TO REMOVE/BLOCK/DELETE THESE ACCOUNTS FROM RE-APPEARING ON MY FILE AND DROPPING MY CREDIT SCORE. EQUIFAX HAS INITIATED A 30-DAY ( unauthorized ) DISPUTE WITH EACH COMPANY AND HAS NOT REMOVED THE ATTACHED ACCOUNTS ( PLEASE SEE DOCUMENTS )
Consumer complaint received 2022-08-29
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. (IL)

why cant transunion and XXXX do like XXXX  and delete all aconts but 3 that are valid thats all im asking i filed ftc report and police report and gave a coppy of both to thembut they keep ignoring laws they need to follow like providibg me with proof i signed for that and proof they offered me firm credit neither of which companys did and they keep telling me they did but yet offer no proof
Consumer complaint received 2022-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

Text received for authorized transactions on XX/XX/22. I responded " N ''. I called USAA. I saw the fraudulent activity pending. It was my XXXX account for my XXXX XXXX XXXX granddaughter. We did not set up a profile or authorize check cashing or money transfers. Again I said these are not hers and we do not know the recipients. USAA allowed it to process. Then proceeded to lock all my accounts and say there wasn't any fraudulent activity. USAA refuses to provide documentation on their findings. I had to pay XXXX to unfreeze my accounts. My entire banking life was with USAA. I do not accept their insinuations. My entire family is either federal or state employed. We are not criminals. There is no transparency and a huge lack of professionalism. This is a bank for Veterans. I would like my money and my children 's money returned. I just wonder how many veterans and their families have fallen victim to USAA!
Consumer complaint received 2019-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: SLM CORPORATION (NC)

My credit report indicates a hard inquiry from XXXX XXXX on XX/XX/2017 and XX/XX/2017. At that time I was applying for financial aid via ( XXXX ) not a student loan.
Consumer complaint received 2023-01-26
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. (TN)

In accordance with the Fair Credit Reporting act XXXX Account # 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 View full complaint
Consumer complaint received 2023-01-26
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: EQUIFAX, INC. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-26
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: Experian Information Solutions Inc. (GA)

Both of these accounts are listed on my credit that do not belong to me. 


XXXX. XXXX XXXX # XXXX Date opened XX/XX/XXXX XXXX. XXXX # XXXX XX/XX/XXXX
Consumer complaint received 2022-10-12
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. (MS)

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 FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} ; XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX  XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (DC)

Hi There. 
On XX/XX/XXXX Tuesday night I had just received my direct deposit from my job of {$3900.00}. I had only made one purchase via XXXX for XXXX at approximately XXXX XXXX, and that was it. My ending balance on my checking account that night was {$6200.00}. On Wednesday at approximately XXXX I woke up to numerous notifications that my money has been used from my account to purchase items from XXXX for the amount of {$2300.00}, and a {$5000.00} transfer had been made to recipient XXXX. This left my balance at XXXX. My savings account had been cleaned out with a XXXX balance, and my checking account had a balance of {$950.00}. While I was on the phone with chime customer service another charge was attempted to be made in XXXX XXXX in XXXX XXXX  in the amount of {$200.00}. This charge was texted to me for verification and was declined. Another charge was placed in the amount of {$150.00} for a website called XXXX, which I believe is a XXXX XXXX transaction. This transaction was also made on the account while I was on the phone with Chime customer care for over an hour and half, and they neglected to turn off my card when I initially called. This charge would have not been able to go through if the agent was proactive and turned the card off like I requested in the beginning of the call. I also received a notification that my phone number had been changed on my account to ( XXXX ) XXXX which is a XXXX voice number that has never been associated with me. I also received an email stating that my account had been accessed on a new device approximately around XXXX XXXX from a XXXX device in XXXX XXXX. My account was also accessed more than three times from a device in XXXX XXXX, yet again I'm confused why this was not flagged. My pin was also changed in my account, which resulted in me being locked out of my account. I have made XXXX disputes 1. ) XXXX, 2. ) XXXX 3. ) {$150.00}. with chime and the charge of the amount of {$2300.00} was reversed by the merchant but the other charges were determined to be of no error. The dispute ID 's numbers are as follows- XXXX and XXXX. I am beyond frustrated that Chime was able to make a quick determination and will not share how they came to this conclusion, when I have been a victim of crime due to their systematic negligence. I have also realized that a credit builder account was signed up for, which I did not want nor do I need. 

- Please note I have made formal complaints to the Internet Crime Center, and the XXXX XXXX XXXX Please find additional documents attached to this email that will support the following above. Thank you.
Consumer complaint received 2022-08-29
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. (MO)

In accordance with the fair credit reporting act has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights of privacy.

15 U.S.C 1681 section 604 A.Section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions. 

Accounts/Accounts 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 child support Enforcement XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missouri Div Child XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc. (AZ)

XX/XX/2022 Disputed {$470.00} did not give me information who it was or a phone number. I got a new card. 

XXXX 2022 got a letter put charge on my card. Again not providing any info. I did some investigating. Looks like an airline to XXXX by a company that's been closed. I do not have a pasport and I have never heard of this company. 

After Advant sent letter saying it was my charge, I called 10 times, wrote 3 emails, sent a fax and certified mail as what PROOF THEY HAVE have the charge is mine. They never write back and explain what proof they have. IT IS NOT MY CHARGE. I DONT KNOW ANYONE TO BUY A TICKET TO XXXX XXXX 

Please help. They are just not responding. I have a new card I have not activated and I paid the bill in full. They owe me XXXX because that charge is not mine.
Consumer complaint received 2022-08-29
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. (LA)

I have called each bureau about fraudulent inquiries on my report XXXX removed some XXXX said they would be removed after 24hrs but they still remain on my report. TransUnion was not helpful or cooperative with me about removing the fraudulent inquiries. 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 XXXXTransUnion 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 2022-08-29
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: ALLY FINANCIAL INC. (NC)

On XX/XX/2022 I opened a new CD account at Ally Bank online. I had been trying to get in touch with their 24/7 customer service for days and was on hold for up to 8 hours at a time. So when I decided to take care of it online I accidently opened and funded 5 year term instead of 3 year term. Once again I immediately called 24/7 customer service and was repeatedly put on extremely long hold times at all hours day and night. After staying on hold for 8 hours the following day, I was told Ally Bank would charge me {$120.00} + of I wanted to change to 3 year term. I explained that if they had someone available to help me in the first place this would not have happened. I want to close my CD account all together now, without penalty. I have done business with Ally Bank for over 5 years and never waited for more than a couple minutes on hold, even at the highest times of Covid.Dont know what's going on with them but it doesn't look or sound good.
Consumer complaint received 2023-01-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (OR)

This is the second month in a row my mortgage payment was late? I pay through my financial institution using their BillPay system to make my mortgage payment and been doing so for the last 10-12 years. I called NewRez last month and they said they had changed their address and if I updated that in the BillPay system it would fix the problem. I did that while I was on the phone with them.

I received a letter today that it was late again this month, so I call my bank and they say NewRez stopped accepting BillPay so they have to send live checks?!?!?! I call NewRez, and somehow its my fault, I had to ask them point blank, have you stopped accepting BillPay, and after a very long pause she said yes. I asked why I was not informed of this and she said it was noted on my XXXX Statement, so I printed out XXXX statements and no does it state they had stopped accepting BillPay and the although the address where you send your checks had been changed, they failed to point that out anywhere on the statement or indicate it had changed!!!
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Park Hill Holdings (TX)

I was recently denied my right to shelter due to incorrect information being reported on my SAFERENT SOLUTIONS profile in which I was unaware that I had. I don't know how XXXX XXXX and SAFERENT SOLUTIONS obtained non public information and then furnished it without my consent.
Consumer complaint received 2023-07-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (FL)

On XX/XX/2023, I made a shipment with the remittance company REMITLY for the amount of {$130.00} USD, the problem arose when my mother, the person who should receive the remittance, went to withdraw the money, they told her that it had already been withdrawn, my mother spoke with the manager of the REMITLY associate bank in XXXX and they actually realized that the money had not been withdrawn but according to them the problem was being in the REMITLY system, since the day this problem appeared I have been trying to solve it with REMITLY, but They say they need proof from their associate to confirm that the money was not withdrawn but I have been waiting for a response for XXXX  days and every time I call they tell me I have to wait. I hope you can help me solve this problem, thank you very much. 
Reference number XXXX
Consumer complaint received 2016-06-22
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ECMC GROUP, INC. (IL)

I am not sure why or what type of loan this company is calling me about because I do n't have any unpaid loans. They never leave a message, but they call 2 or 3 times a day and at all hours. Even XXXX