davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: XOOM CORPORATION (FL)

I sent US {$85.00} to my niece XXXX XXXX XXXX who lives in XXXX, on XX/XX/XXXX. The total of transaction including the service fee was {$89.00}. I made the transaction in the morning and my niece went to pick up the money in the afternoon the same day. I have sent money to my family through XXXX multiple times since 2010. 

When my niece went to pick up the money, she was told that the transaction appeared on the computer as " complete ''. She immediately contacted me via XXXX to let me know the issue. We verified that the transaction number ( # XXXX ) was correct. 

I called XXXX the same day, then the next day. They told me they'll investigate the issue. For the next days I wasn't able to call XXXX because I went to XXXX and wasn't able to use my phone for international calls. For the next days I sent XXXX emails multiple times asking for an explanation about this money. They responded that they were investigating the issue. 

Two weeks later, I received an email informing that the investigation was completed and that the money was picked up and the case was closed. 

I called XXXX the same day and I asked them to send me proof that my niece received that money. Also, I suggested to investigate the case with the personnel that handle the money that is picked up in XXXX. I'm from there and I know how fraud and malicious activities can easily be done by people that work for companies. Also, I requested to speak to a manager or someone that could help me. So my call was transferred to a supervisor and she told me they'll investigate further. That was last Monday. As of today I haven't received any response about this situation nor the money back. 

I have proof of multiple transactions for bigger amounts for years!! Your help will be greatly appreciated. 

My name on this account is XXXX XXXX ( my married name ). I have divorced a long time ago and requested a change of name and address but for some reason it appears again as XXXX XXXX. My maiden name is XXXX XXXX XXXX
Consumer complaint received 2020-11-16
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (OK)

XX/XX/2020 I contacted the credit collector that sent me a collection notice in reference to a cancelled automobile insurance policy to advise them that I can afford to schedule {$1.00} a month payments until Im able to pay the balance in full and the phone agent refused to schedule in their system to reflect that Im not avoiding them. 
She also refused to mail out an office right to dispute that reflects what minimum payment they would accept and stated she would accept 3 separate payments to pay the balance in full. ( I AM NOT A SERVICE MEMBER OR THE SPOUSE OF A OR ANY SERVICE MEMBER the boxes wont uncheck )
Consumer complaint received 2020-11-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (MA)

I have a {$25.00} gift card with DEBT and Visa on its face. Card # XXXX XXXX XXXX XXXX exp XX/XX/21. 

I try to register it on line so I can use it but fail to log in as it does not recognize the card # and code. I subsequently called XXXX XXXX trying to resolve the issue but only get recorded msg that kept on saying it does not find my card # reported. In the recorded msg the only other option given is to cancel the card, which I did not intend to do. then it just hang up with giving me opportunity to talk to a life person to resolve the issue.
Consumer complaint received 2023-01-11
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. (GA)

In accordance with the fair credit reporting act XXXX  account XXXX XXXX has violated my rights. 
15 usc 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish account without written instructions 15 usc 1666B : a creditor may not treat a payment on a credit card account under and open. And consumer credit plan as late for any purpose.
Consumer complaint received 2020-10-27
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. (TX)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Transunion XXXX. XXXX  XXXX XXXX, PA XXXX Dear Transunion Credit Services, This letter is a formal request to remove ( 15 ) unauthorized inquiries from my credit report. I did not authorized. These inquiries are fraud. 

XXXX XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX  Acc Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX XXXX  Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX  XXXX Inquiry from XX/XX/2020 XXXX XXXX  Inquiry from XX/XX/2020 XXXX/XXXX Inquiry from XX/XX/2020 XXXX  XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address.

Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX ). 

Sincerely, XXXX XXXX
Consumer complaint received 2022-08-13
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)

I recently checked my updated personal credit report and I noticed that there are unauthorized inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that CREDIT BUREAUS initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unathorized inquiries as soon as possible : 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 2020-12-04
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. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft and fraudulent actions. I have filed the attached FTC Report, and I also reported the issue to the companies where the accounts were opened. I am seeking your assistance to please remove and DELETE the accounts that were opened by fraud as per FCRA Section 605B ( a ). This fraud under my name and personal information are unacceptable. The listed accounts are unknown to me and they are inaccurate. My payments have been stellar and I dont remember missing a payment. Please block or remove these accounts from my credit report, pursuant to the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. I appreciate your prompt attention on this matter, and will wait for your response. Thank you!
Consumer complaint received 2021-08-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NM)

HI IVE BEEN TRYING TO SUBMIT DOCS TO THE 3 CRAs and have not gotten anything done. I have not been able to rectify the errors on my consumer report and I need help with this, thanks
Consumer complaint received 2018-07-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (AZ)

My mom died XX/XX/2017. She willed the house to my niece and nephew. We had filed a complaint prior to this one. The mortgage company ( M & T Bank ) was suppose to help my niece and nephew assume the loan. We tried making payments but they sent them back. First they said they had to be from my mom and dad who were already dead. Then as they were sending the payments back they were saying we were in default. Now supposily they are saying my niece and nephew have the loan in thier names they are still following through with foreclosure. How can they foreclose if someone has already assumed the loan. And try to foreclose while at the same time they are suppose to be helping. It's a fraud ... ... ... And all this because my mom died. This is not right and for them to foreclose on a home that they were supposily helping us modify the loan on is very illegal. We need to stop the foreclosure. We are low income and my niece and nephew are on SSI. We can't afford a attorney. Please help us. This is our second complaint.
Consumer complaint received 2023-01-11
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. (GA)

In accordance with the fair credit reporting act XXXX  account XXXX XXXX  has violated my rights. 
15 usc 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish account without written instructions 15 usc 1666B : a creditor may not treat a payment on a credit card account under and open. And consumer credit plan as late for any purpose.
Consumer complaint received 2022-08-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (AR)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
Consumer complaint received 2021-08-12
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: WAKEFIELD & ASSOCIATES, INC. (OH)

Viewed a copy of my credit report and noticed several accounts that does not belong to me. The accounts need to be deleted from my credit report immediately. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Account listed below : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, WAKEFIELD AND ASSOCIATES # XXXX.
Consumer complaint received 2020-10-27
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Shows an account that was opened with bank of america and closed in XX/XX/2017. I have never opened an account with bank of america before. It shows account was paid in full with a charge off amount of XXXX. 
This is preventing me from opening up a checking account and need to have it removed as it is an error or someone has used my information.
Consumer complaint received 2020-10-13
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)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX FOR MY XXXX XXXX ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.

IT WOULD HELP ME IMMENSELY IF YOU COULD GIVE ME A SECOND CHANCE AND MAKE A GOODWILL ADJUSTMENT TO REMOVE THE LATE PAYMENTS.
Consumer complaint received 2020-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (NV)

On Friday XX/XX/2020 I deposited XXXX dollars into the US Bank branch at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NV XXXX. I left the branch with my receipt showing the deposit and my current balance at the time. On Monday XX/XX/2020 I went to the same branch I had gone to on Friday to make a rent payment. I was told then that the rent payment of XXXX I was trying to make would overdraw my account. Knowing this wasn't right I checked my account and the branch had failed to credit my account with the deposit. They had no record of the transaction whatsoever. I produced the receipt showing that they had indeed taken the deposit. They admitted their mistake but didn't credit my account and still haven't. They are claiming it will take 5 business days for this to be cleared up. My account is still overdrawn and it catching penalties daily.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

Under the provision of 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act, I am formally requesting validation of the debt associated with these late payments. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2020-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX
Consumer complaint received 2023-01-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance Owed : {$140000.00} ; XXXX XXXX Balance Owed : {$360.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$520.00} ; XXXX XXXX XXXX  Balance Owed : {$7500.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX  Balance Owed XXXX {$3400.00} ; XXXX XXXX XXXX Balance Owed : {$7800.00}
Consumer complaint received 2023-03-05
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: CBM Services, Inc. (MI)

These companies unlawfully reported accounts ( CBM XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX XXXX ) on my consumers reports for an alleged debt in which they have not produced an agreement and/or contract binding me to such allegations of these debts with them. Not only have they placed the accounts on my reports but, they've also reported negative transaction history as if I actually have a contract with them. This is fraud as, I do not hold an account under any contract with these companies. They have violated my rights protected by law under the Fair Credit Reporting Act ; 15 US Code 1681a, 15 US Code 1692, 28 US Code 1746. I am aware of my rights under 15 US Code 1681N and 15 US Code 1692k. I am demanding the abatement of these accounts and its entirety for all three consumer reporting agencies.
Consumer complaint received 2020-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (WI)

On XX/XX/2020, I tried to withdraw {$400.00} from ATM of US. Bank, located at XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, Wisconsin XXXX. 
I received from dispenser {$300.00}, less {$100.00}, receipt states {$400.00}. In ten minutes I filed dispute with the bank at the general phone number XXXX. 
My dispute was denied with denial letter on XX/XX/XXXX, XXXXWhen I call bank with request to provide all material of their investigation, they came up with explanation that customer service representative forwarded my dispute to the wrong department. I ASKED FOR MATERIAL OF INVESTIGATION ANYWAY. Instead CSR offered resubmit my dispute again, XXXX XXXX. On XX/XX/2020 US Bank denied second attempt of dispute. On XX/XX/2020, I called customer service to request ALL MATERIAL OF INVESTIGATION. In a week I called bank to find out about status of my requests. Bank 's employees started to transfer me from one department to another. I had chance to talk to debit card department, fraud liaison department, phone calls were disconnected or returned to the general options. Whoever I spoke had different explanation on the subject, deceptive, evasive, sometimes rude. All phone conversations are recorded. Special attention to the performance on the U.S. Bank Email Operation Department, XXXX XXXX He assured me that he forwarded my request to the investigation team, never responded to my email again. XXXX was very firm insisting that investigation department does not have direct phone number. All of them treated me as a fool. 
Managers aforementioned U.S. Bank location denied liability and authorities over their ATM. They claim some unanimous subcontractor provide services of ATM. 

Therefore, I demand all materials of investigations for two disputes on the same incident. 
Find attached copies of the transection receipt on XX/XX/2020 and letters of denial- XX/XX/2020, XX/XX/2020. 

XXXX XXXX.
Consumer complaint received 2019-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

XXXX and Transunion are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page XXXX of the attached credit report. ) I have already called XXXX XXXX XXXX and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX however XXXX  and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Consumer complaint received 2017-09-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XXXX XXXX, XXXX I used the Bank of America XXXX BOA ) online " Transfer '' system to transfer {$4000.00} to a person in XXXX to consummate a purchase of a car. I used the routing and account number supplied by this person. His account in with XXXX XXXX in XXXX. I called this person on XXXX XXXX to find out that the money was not transferred. I called BOA was told that the transfer did not go through because the routing number XXXX used was for a traditional " wire '' transfer and not the transfer offered on their website that I used. I believe it 's called an ACH transfer. Further, I was told because of the incorrect routing number that the monies would not and could not go through and to wait 10 days and the money would come back into my account. OK. So in order to finalize the deal I went to another bank and wired the money. XXXX complete. 10 days later I call BOA and was told to wait a few more days because it XXXX not be 10 days exactly. So a few days later I call back and was told that the transfer did in fact go through. Now this was supposed to be impossible. OK. I asked them to reverse it & get my money back. Could n't do that but they would submit a claim. I was also told, that it is possible that not even the original recipient may have my money because the wire routing number could be associated with a different bank account! I received a letter from BOA stating " We have completed our investigation of your claim. Our records indicate that we initiated the transfer in accordance with your instructions. '' Perhaps that is correct to a point, but they told me on the phone that it was impossible for the transfer to go through. XXXX BOA charged me {$10.00} for the transfer fee, so I am out {$4000.00} currently.