davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TRUIST FINANCIAL CORPORATION (FL)

I used XXXX via Truist Bank with my business account on Saturday XX/XX/2022 to send {$170.00} to XXXX XXXX. More than 24 hours later, the transaction is still pending. I called Truist customer service twice on XX/XX/2022 at XXXX and again at XXXX. Both agents could not adequately and accurately verify my account. I requested a supervisor and the first agent XXXX said her supervisor refused to take the call as she didn't see it necessary. I asked for the supervisors name and XXXX stated the supervisor forbade her from releasing her name to me on a recorded call. I hung up and called back and got someone by the name of XXXX. I requested a supervisor and she too, stated, the supervisor refused to take the call unless i verified the account. However XXXX unsuccessfully verified the account and i no longer wanted to speak with her. I requested the supervisor again and she hung up the line.
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The Credit bureaus stated that my accounts were properly investigated but they failed to provide me with details of how the accounts were verified, by whom, and failed to correct the information. There are disparities between reports. My name is spelled in various ways between agencies. I have disputed the information and requested that my name spelling be updated but the bureaus fail to make the changes. Disputes were sent XX/XX/2022, XX/XX/2022, and they fail to make the corrections. 

15 USC 1681 section 602A states I have the right to privacy. 
15 USC 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without my written instructions The listed inquiries below were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 

Accounts in Dispute Include the following : XXXX XXXX SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX
Consumer complaint received 2022-04-08
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: CITIBANK, N.A. (SC)

On XX/XX/XXXX XXXX XXXX and I began email correspondence to discuss me purchasing a XXXX The XXXX XXXX XXXX XXXX Print Silk Shawl from her. On XX/XX/XXXX, I agreed to purchase the scarf for {$850.00} via XXXX. The {$850.00} consisted of the price she was selling the scarf for, XXXX fee, shipping cost, and insurance cost. 
I sent the {$850.00} to XXXX that day and she shipped the scarf to me the next day, XX/XX/XXXX, and provided me the tracking information. The day after that on XX/XX/XXXX, I found the scarf on XXXX website for almost {$300.00} cheaper. I emailed XXXX and asked her if I could return the scarf to her for a refund since I was able to find the scarf for a much better price. 
She didnt immediately respond to my email so when I received the scarf on XX/XX/XXXX, I shipped it back to her the same day without even opening the box. I emailed her to let her know the scarf was on its back to her and provided her with the tracking number and advised it would be delivered on XX/XX/XXXX. I asked her to please issue the refund. 
It was at that point that she told me all sales final. This was the first time we had discussed any type of cancellation or return policy. I explained to her she would have had to tell me the sale was final before I made the purchase not after. She said she would mail the scarf back to me when she received it and would not be issuing the refund. 
She did send it back and I received it again on XX/XX/XXXX. Once again, I did not open the package and mailed it back to her on the same day. USPS Tracking # XXXX XXXX XXXX XXXX XXXX XXXX shows it was delivered to her on XX/XX/XXXX. She has not sent it back. 
I do not have the scarf nor has XXXX agreed to refund my {$850.00}. 
I am enclosing all of our email correspondence, pictures of the package both times I received it and mailed it back, and pictures of shipping confirmations when I mailed it back to her. 

XXXX  CONFIRMS THE MERCHANT ACCEPTED THE RETURN. 

THANK YOU, XXXX XXXX
Consumer complaint received 2022-01-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westcreek Financial (VA)

On or around XX/XX/XXXX, while I was at my home in XXXX, XXXX  ( my husband and I have dual residency between XXXX XXXX XXXX ), someone opened an account using my name, social security #, date of birth and XXXX address of XXXX XXXX XXXX, XXXX XXXX XXXX The phone number used to open this account, however, is not my phone number. Their number is XXXX and my current phone number is XXXX. 

As a side note, I hold my driver 's license in the State of XXXX address XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. I have no information on what form of identification this person used. 

In noting the name used to open this account ... my name is spelled incorrectly. My legal name is XXXX XXXX and the account is recorded as XXXX XXXX. 

The purchase was expensed at XXXX XXXX in XXXX, XXXX  for an amount of {$8000.00}. The credit was processed through the XXXX XXXX XXXX  and serviced by Koalafi whose address is po box XXXX, XXXX XXXXXXXX XXXX  XXXX. 

I contacted Koalafi at XXXX today, Monday XX/XX/XXXX. This identity theft just come to light yesterday because I spent the past 3 months at our home in XXXXXXXX XXXX Upon going through 3 month 's of mail, I found statements and correspondence from Koalafi concerning this account 's deliquency status. Account number is recorded as XXXX. 

Koalafi indicated they attempted calls to this phone number since XX/XX/XXXX, and has been unable to speak to anyone. All calls go to voicemail. 

I have filed a dispute with XXXX via XXXX. I have also filed a report with my local police department here in XXXX XXXX, XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-24
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: Experian Information Solutions Inc. (PA)

I have reached out to the 3 credit bureaus regarding an account with portfolio recovery that I reached an a agreement on with the collection agency to settle an account it was paid in full and in the conditions of the agreement they reached to the 3 credit reporting agencies XXXX, XXXX, Experian requesting that this account be removed. I disputed the account with credited bureaus asking them to properly investigate and remove this account since it is settled and the company agreed to remove it the credit bureaus did not conduct a proper investigation on the account. The credit bureaus continue to willing fully violate my consumer rights under the FCRA 611 ( a ) ( 5 ) ( i ).
Consumer complaint received 2022-01-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc. (SC)

Mortgage Company : BSI Financial Services XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Main line XXXX Ext. XXXX Fax XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX Office Hours XXXX XXXX XXXX XXXX XXXX  ( Central ) Loan Type : FHA After missing 2 mortgage payments due to a reduction in my hours at work back in XX/XX/XXXX related to the pandemic, I reached to my BSI Financial Services to request a mortgage loan assistance in the form of Loan Modification. 
I was then contacted via phone on XX/XX/XXXX by XXXXXXXX XXXX  XXXX, who presented me with 3 different Covid-19 Waterfall Options that would modify my FHA loan interest rate and balance. I was then sent a follow-up email on XX/XX/XXXX at XXXX est. pm that detailed our phone conversation and told to select the Covid-19 waterfall option of my choice. I made my choice via email as instructed and sent the responding email with the necessary requested information on XX/XX/XXXX, at XXXX XXXX est. I then followed up with an email on XX/XX/XXXX XXXX XXXX est. to confirm the receipt of my previous emails to XXXX XXXX. 
She responded XX/XX/XXXX XXXX  XXXX  " Hi Yes received document. Thanks ''. 
Additionally, I sent emails on XX/XX/XXXX and XXXX after no communication asking for advisement on the next steps in the process to set expectations. I was sent an email on XX/XX/XXXX and XX/XX/XXXX that the department was behind and working on getting the necessary paperwork out to me with no set date. 
I have continued to email the original loan officer monthly for an update and have not heard anything and as a result I have called BSI Financial Services monthly since XX/XX/XXXX to express my concern involving the lack of follow- up via phone call, mail or email during this process. 
To date I am unable to utilize the online payment system because the account has been XXXX. I have resorted to calling in to make payments and have yet to receive any of the aforementioned assistance discussed over 4 months ago. 
I am deeply concerned about this company, their practices, failure to communicate and provide assistance.
Consumer complaint received 2021-08-28
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)

XXXX XXXX XXXX XXXX {$330.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX {$260.00} I filed and ftc report and spoke with the creditor and they refuse to remove it. XXXX, XXXX XXXX XXXX XXXX XXXX {$8000.00} I filed and ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX XXXX {$550.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX & XXXX XXXX XXXX {$390.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX XXXX {$1500.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX XXXX {$56.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX XXXX {$720.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX {$910.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX {$1500.00} I filed an ftc report and spoke with the creditors and they refuse to remove it. XXXX XXXX XXXX XXXX XXXX {$290.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX XXXX {$550.00} I filed an ftc report and spoke with the creditor and they refuse to remove it.
Consumer complaint received 2022-10-12
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2018-07-10
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (FL)

I previously used XXXX XXXX  as my auto insurance provider. I contacted this company and canceled coverage due to their high costs, and notified them over the phone. The amount of insurance paid was always deducted monthly through ACH payment, and after this was canceled the payment stopped being deducted and I should not of owed any additional money. However this company is stating that the policy was not canceled and they continued billing me until XX/XX/18 and are stating that I owe them {$1700.00}. This is fraudulent.
Consumer complaint received 2022-04-08
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. (CA)

In accordance with the fair credit reporting act act XXXX  acct # XXXX violated my rights 15 usc 1681 section 602 a. states I have the right to privacy. 15 usc 1681 section 604a section 2 it also states a consumer reporting agency can not furnish a account without my written permission.
Consumer complaint received 2021-05-11
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. (DE)

I see hard inquiry in TransUnion Credit report from XXXX XXXX  dates XXXX XXXXXXXX XXXX I contacted XXXX XXXX and they confirmed that there was no application or account with my name or SSN. 
I contacted TransUnion and they told me to file a complaint here.
Consumer complaint received 2024-03-07
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. (GA)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act. If you can not verify and provide me with the data proving these accounts were mine. Remove them immediately.
Consumer complaint received 2022-01-25
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: EQUIFAX, INC. (AL)

The complaint is for the XXXX XXXX XXXX loan which was taken out for my business XXXX XXXX. 

This loan is through the XXXX XXXX and XXXXXXXX XXXX which provides affordable capital and business services to help small businesses rebuild from the Covid-19 economic crisis.

An LLC is an independent legal entity that is formed under state law. Its independent status means that it has a legal identity that is separate from its members. State law authorizes an LLC to enter into contracts, take out loans, own real and personal property and hire employees in its own name. Hence, The debt belongs to the LLC under established law, not the individual members. 

The loan is in good standing and I have not defaulted. This loan is currently being inaccurately reported on my personal business report not my business credit report. This loan has been removed from one credit agency and should also be removed from Equifax and XXXX immediately. Proper reporting should be updated to my business credit report.
Consumer complaint received 2022-01-24
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: Experian Information Solutions Inc. (MD)

I submitted numerous investigation request of an erroneous and inaccurate bankruptcy case # XXXX appearing on my credit report. The companies response that they don't have enough identifying information on me is just bogus and a stall tactic. I've provided more that adequate information for these companies to delete this information from my credit file that is causing me a hardship. 

I supplied XXXX with 2 pieces of additional and relevant information of which XXXX chose to ignore. It was a letter from the Bankruptcy court and one from XXXX ( please see attached ) This inaccurate information is hurting my credit and future job opportunities. This inaccurate information needs to be deleted immediately.
Consumer complaint received 2022-01-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

I contacted the lender to get PMI cancelled as my XXXX ratio is below 80 %. 
XXXX10 days or so later I get a call back from someone telling me the investor ( XXXX XXXX ) is requires me to have the hose re-appraised before they will remove the PMI. Something about XXXX XXXX being a disaster area which is news to me. Nothing significant happened here in a year. 

I asked for documentation supporting this assertion and I was told they did not have to and would not provide any documentation. After an extremely unpleasant exchange ( The guy was rude and basically telling me I don't need to go back and re-read the agreement I'm telling you this is how it is ) the call ends and my issue with them is closed. I've got no way to call the person I spoke to back or reach them either. 

I reached out to XXXX XXXX  and was directed to the servicing guidelines for cancelling PMI. Document XXXX Link : XXXX XXXX XXXX  # XXXX It doesn't seem to mention any of the language the representative from the servicer asserted over the phone. ie; there was a natural disaster here a year ago and they need to re-appraised before they can remove PMI.
Consumer complaint received 2022-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting Act 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 XXXXXXXX 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 an account without my written instructions.
Consumer complaint received 2022-01-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I sent XXXX a copy of a letter that was sent to me by XXXX XXXX dated XX/XX/XXXX of XXXX showing that the obligation had been paid off as of XX/XX/XXXX I also submitted documentation to fifth third bank regarding this obligation being cared for through the insurance because the vehicle was totaled there was also gap coverage from the original creditor XXXX to cover the debt fifth third has me in XXXX saying that the account was overdrawn the account was not overdrawn fifth third did not pay out anything and continues to have me in XXXX for XXXX years and the matter has been resolved XXXX will not remove the accusations because fifth third says that it is Valid. Can not reach a representative at fifth third today XX/XX/XXXX have been transferred four times since XXXX XXXX this morning it is now XXXX XXXX and Im requesting assistance to get the matter resolved would like it removed off my credit report
Consumer complaint received 2022-04-08
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: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting Act 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 XXXXXXXX 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 an account without my written instructions.
Consumer complaint received 2021-08-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION (FL)

Sunday night. My card declined. I found that that there is a XXXX transaction that I did not authorized. I was not able to cancel online. Someone hacked my online account. BBT bank failed to protect my money and declined my claim. I was scared that can happened again. I closed the account.
Consumer complaint received 2022-01-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC ()

I sent {$350.00} to my brother in XXXX on XX/XX/2021 using MoneyGram. He tried to pick up the money in XXXX XXXX and selected e-transfer option but value has not been given to date. We have both complained severally and MoneyGram has not been able to resolve the issue. We were told they are still investigating the issue with their e-transfer partner. The burden of the internal process has been placed on the customer which is ridiculous. The transfer was to settle a time sensitive transaction and I have lost money because of this. The case number for my complaint with MoneyGram is XXXX. Thank you.
Consumer complaint received 2022-01-24
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. (FL)

Equifax- The account is XXXX XXXX this account shows that I am an additional on a flexible spending account- I have never ever had an account with XXXX XXXX- i he disputed this as fraud- requested ho was this validated, who they spoke to and the method of validation. per the Fair Credit Reporting Act 15 USC 1681 section 610 ( B ) indicates that I have the right to request this information and it to be disclosed. I have never ever received this info- XXXX XXXX does not have it and they have advised me that it is fraud and should be removed, they even provided a fraud case # n their end as a referenced since ir has been deemed fraud? CSE # XXXX so how was this verified? who did you speak to? what method was used for verification? 

This is the same issue with XXXX XXXX XXXX. I have never had an account- hey indicated it was fraud. 

the other bureaus have indicted fraud and removed so how can you validate this debt? what was used? if everyone uses the same information how did you validate and to keep it on my report? Equifax is breaking the consumer laws and the CFPB i allowing it. they are not reporting accurately/. 


please Remive- XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX and send me an updated copy if my report.