davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-01
Product: Money transfers — International money transfer
Issue: Other service issues — 
Company: WESTERN UNION COMPANY, THE (OK)

I made a transaction using western unioun, about 7hrs later, I seen where the declined the transaction and they never gave me reason why.The took $ XXXX plus {$11.00} for the fee off my card.they said it would be put back on in 7 days.XX/XX/XXXX is when i sent they western union or tried to .It is now XXXX XXXX and i still havent got my money, and i have called, i have sent bank statements showing where they took my money.I am getting know where with them, The way i see it they took money off my card in 3 seconds, it shouldnt take 30 days, I really need that money at the time.They just wont work with me or tell me the truth they just give me the run a round.
Consumer complaint received 2015-05-19
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (GA)

on XXXX/XXXX/2015 i went to store # XXXX XXXX GA XXXX XXXX XXXX to put on my prepaid card and i was told to pick up the western union phone an i did and the lady proceeded to ask me for my account # an i told her it was a prepaid card i wanted the money to be available the same day she still ask me for acct # ok so when the money wasnt available within a couple of hours i call the western union back an told them that she did n't conduct the transaction correctly an i needed a refund an they told me i had to wait XXXX hr an i been doing that since this happened an still waiting for my money they told me it would be in my bank on Monday it Tuesday its still not there i call again they told me to wait XXXX more hours please help so angry they have terrible customer service
Consumer complaint received 2022-09-01
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. (IN)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXX Collections XXXX XXXX XXXX : XXXX XXXX XXXX Collections : XXXX, XXXX Collections : 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 2022-02-08
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (NY)

On XX/XX/2019, I was in a car accident. I reported the accident to my insurance Co and the finance company XXXX.. My car was totaled and covered by gap insurance and XXXX XXXX XXXX XXXX is reporting this account as a charge off with a balance due and reporting as late payment and it wasn't late. Please update and remove. This is reporting on all 3 Credit Bureau.
Consumer complaint received 2015-11-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MI)

After receiving a debt that I knew nothing of on XXXX XXXX, I immediately had my credit reports pulled, and sent all XXXX credit bureaus certified dispute letters. I received confirmation back that all the items that I had disputed had been verified. I sent a second round of letters asking that I be provided with the names and numbers of whom they had validated the debts with. I myself sent a validation letter to XXXX of the creditors only to be told it was a mistake, and that a letter would be sent to all XXXX credit bureaus to have deleted. This was XXXX of the debts that they claimed they had investigated and had found it belonged to me. They have ignored all of my dispute letters, and refuse to remove debt that have not been validated. I have asked for proper paperwork demonstrating the agreement between me and these creditors.
Consumer complaint received 2016-03-02
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Pressler & Pressler, LLP (NJ)

Income execution ordered on a debt I have relentlessly fought to object over 15 years. Debtor has used tactics in the past over the phone that were threatening and has on multiple occasions used the threat of jail time to secure payment. I do not know nor recall owing any debt to this company however every year since 2004 they have been harassing me. I would like Pressler and Pressler to cease and desist. Also, they should vacate the income execution order. I am unable to provide sufficient representation to fight this matter. I am therefore request your assistance and direction in the effort to oppose this matter. It is causing XXXX.
Consumer complaint received 2016-07-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (WA)

Well, It 's 8 months ( and counting ) and nothing has changed at EquiFax. Now, you can talk with people ( mostly at call centers outside the US who are hard to understand because they have heavy accents ) who will only be able to enter a dispute into the same system and then give you a confirmation number ( same as before ). I have been fighting for 8 months to have my closed charge-off secured Home Equity Line of Credit Mortgage account info corrected within the EquiFax Credit File Dispute system. It has wrongly been reported as " Included in Bankruptcy '' and " Discharged through Bankruptcy '' when actually it was settled for less than full balance by the Lender before the bankruptcy was even filed. Someone at EquiFax must have " Transcribed '' the data incorrectly when received and re-entered into their copy of my credit file. Lender confirmed that EquiFax XXXX, since XXXX and XXXX have it correctly reported. EquiFax has been sent documented proof from me as well as the lender. EquiFax now wants me to have the US Bankruptcy court force them to change it by sending them some secret alert that will appear on their system. Otherwise, they say that they have no authority to correct their own mistakes ( But I guess they feel they have the authority to make mistakes and corrupt people 's credit files ). They are truly a shoddy shyster company still operating under the laws of the wild wild west back in XX/XX/XXXX when they started.
Consumer complaint received 2015-08-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (OK)

I filed bankruptcy in XXXX 2015 it was discharged XXXX 2015 there are a few student loan account that shows closed per XXXX still showing open via Equifax due to the recent bankruptcy service thru XXXX. I have contact the company on several occasions was told that they are not able to provide account information due to the recent bankruptcy and that I will need to contact the credit bureau with the issue. I have filed several disputes with Equifax also stating that the information is being reporting accurately. I am requesting that the information for the accounts be reflected the same as XXXX.
Consumer complaint received 2016-06-08
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Today I received a letter from Bank of America dated XXXX XXXX XXXX. When I called the phone number on the back of the letter and I entered the last XXXX digits of account closed in XX/XX/XXXX, it said my first name and then said it was being " consolidated '' at my request!!!!! What? I asked the persons in XXXX ; XXXX and XXXX as I was bounced from state to state and disconnected again and again : where are the XXXX credit card statements I was promised two weeks ago? I was told they would be mailed so I can forward them to the XXXX credit reports - some of whom have already removed it based on the date alone. But others are miscommunicating the term " correctly reporting on your credit file '' which not true! Now - today - Bank of America has stripped their own computers of the furnished payment information in each month in XXXX and XXXX XXXX ; such that the bank 's responders to disputes ca n't see what they furnished in XX/XX/XXXX/XX/XX/XXXX that is still on my credit report. Bank of America fabricated phony credit card statements to show the XX/XX/XXXX closing by me. However, they ca n't create documents in XX/XX/XXXX, as promised two weeks ago? The bank is hiding the fraud on this account by deleting the furnished data. That is fraud. The envelope received today did not come from Delaware either, despite the return address. It has been an annoying habit that letters are mailed from Bank of America from states other than the one it is written from. I suspect this is the bank 's way of avoiding the Attorney General of the state listed from having jurisdiction on the matter. This is compounding an already disasterous situation for no reason. The letter in no way allows a customer to talk directly to the place listed on the letter. Clearly, it was a fake form letter.
Consumer complaint received 2021-10-02
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (WA)

In XX/XX/2021 our VA mortgage was sold to Freedom Mortgage. XX/XX/XXXX my husband was contacted by XXXX at Freedom Mortgage asking if wed like to refinance. We told him no, but then on the XXXX XXXX emailed me a loan application to sign- even though we told him NO. Then today ( XXXX ) in the mail was another loan application. I do not want to refinance and even though he was told that he completed a loan application on my behalf without my permission! His full name is XXXX XXXX XXXX XXXX XXXX. 

For reference purpose, when this is passed on to Freedom Mortgage, the loan number at the top of the loan application says XXXX.
Consumer complaint received 2016-10-12
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America can only initiate foreclosure 30 days after contacting ( or diligently attempting to contact ) borrower to discuss foreclosure alternative in accordance with California Civil Code 2923.55 ( a ). Only after ensuring the NOD, NTS, assignments, and substitutions of trustee are accurate and complete and supported by competent and reliable evidence in accordance with California Civil Code 2924.17 ( a ), and after substantiating the borrower 's default and servicer 's right to foreclose in accordance with California Civil Code 2924.17 ( b ). 
Bank of America has not complied with the California Homeowners Bill of Rights as declared in the Bank of America California Declaration of XXXX XXXX, 2016, page XXXX of the XXXX XXXX, 2016 Notice of Default ( NOD ). Bank of America 's substituted trustee, XXXX ( XXXX ) and their third party servicer XXXX XXXX, did n't even know this borrower has been previously approved, offered and accepted a MHA HAMP or this home loan mortgage account is Housing and Urban Development ( HUD ) insured demonstrating noncompliance with the California HBOR as referenced above. 
According to Bank of America 's own generated documents and documentation, the Bank has not contacted or attempted to contact me prior to the recording of the XXXX. Bank of America 's own records also indicate this home loan mortgage account and borrower remains pending in the modification process. If Bank of America 's own records are not competent and reliable evidence then the only record to be considered is the first-hand account of the borrower. 
I know Bank of America has not complied with the XXXX ) enforced by the California HBOR and have not demonstrated the right to begin the foreclosure process to date. Generating correspondence that do not address my concerns and cite previously bank generated documents does not establish the contents of those documents as truths, especially when those documents cited are post XXXX XXXX, 2016, the date of the Bank of America Appeals Department Appeals Report and supporting documentation granting MHA HAMP and directing the Bank of America Underwriting Department to forward borrower into a MHA HAMP TPP.
Consumer complaint received 2015-10-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (OH)

I mailed a dispute request to Experian Credit Bureau with last XXXX of my social security number typed with state issued picture id and check stub and was told that my social security number was illegible and to resend all the info that I had already provided.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (IL)

On XX/XX/2023, I submitted a request for my XXXX XXXX XXXX  with COMPLETE SOURCE DATA to LexisNexis ( See attached Supporting Document ) : As of the date of this communication, I have not received the requested report. Would you please provide a copy of my People Wise Report with COMPLETE SOURCE DATA? 

For verification purposes, I have included a copy of my identification and social security card. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2016-09-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (LA)

Dear Consumer Relations : The reason for me filing this complaint is due to Equifax failing to update my credit report after sending them a copy of my social security card, Louisiana indentification card and XXXX credit report to open a dispute. In my dispute filed XXXX XXXX, 2016, I requeted information to be added that is missing. It 's been 15 days and I not received any confirmation from them of my inatial complaint and that an investigation has started. I am requesting that your agency nvestigate the issues within my complaint.
Consumer complaint received 2018-03-16
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. (OH)

On XX/XX/XXXX I received an alert on my credit report from Transunion showing an " unauthorized inquiry '' from XXXX XXXX XXXX. There was also 2 from XXXX XXXX I immediately contacted both Companies and was able to speak to the right people who advised me on how to get them removed. I also contacted Transunion, XXXX and XXXX   but Transunion was the only report it was showing on they advised me on what to do. I did what XXXX advised and emailed their documents which included a notarized 5 page affadavit, a copy of my government issued ID and a copy of my address. They verified receipt and sent me a letter ( attached ) confirming they will delete their inquiries. Both showed as HARD INQUIRIES so I expect them both to be removed. XX/XX/XXXX I certified mailed a letter ( attached ) to Transunion which included a 5 page  notarized affadavit and a letter to Transunion XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX the XXXX XXXX office verified and confirmed receipt on XX/XX/XXXX. I expect they'll remove the inquiries also but the problem is with XXXX XXXX XXXX I never applied for their services. I CERTIFIED MAILED A NOTARIZED AFFADAVIT TO THEM XX/XX/XXXX ALSO BUT ITS LOST AND POST OFFICE IS INVESTIGATING IT BUT AFTER THINKING IT SHOULDNT BE ON " MY '' REPORT ANYWAY BC ITS UNAUTHORIZED AND XXXX   XXXX  XXXX CONFIRMED THE SOCIAL DOESNT MATCH MINE SO PLEASE TELL ME WHY ON EARTH IS IT ON " MY '' CREDIT REPORT????? THE LAST FOUR DOESN'T MATCH THEY ALREADY TOLD ME OVER THE PHONE YET IT IS ON MY REPORT. THE SOCIAL DIDNT MATCH WITH XXXX EITHER BUT THEY'RE GOING TO DELETE THEIRS. PLEASE PULL THE RECORDS YOULL SEE MY LAST FOUR IS NOT XXXX WHICH IS WHAT XXXX  XXXX XXXX HAS IN THEIR SYSTEM. ONCE I CONFIRMED THE LAST FOUR DIDNT MATCH THEY STILL PROCEEDED TO TALK TO ME VIOLATION RIGHT THERE. THE CALL SHOULD HAVE ENDED. I RECORD CALLS TOO AFTER THEYRE NOTIFIED. THEYRE BEING NEGLIGENT REMOVE ALL 3 INQUIRIES 2 XXXX AND 1 XXXX XXXX XXXX MADE ON XX/XX/XXXX. THEY'RE UNAUTHORIZED. I ALREADY PUT IT IN WRITING THE LAST FOUR DONT EVEN MATCH MINE SO REMOVE THEM.
Consumer complaint received 2016-06-11
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (MD)

Our vehicle is financed through Ally Financial. Ally is already known for giving higher interest rates to minorities. They have been under hot water for this act. Ally is now practicing the act of REPORTING FALSE CREDIT REPORT INFORMATION. We made a complaint through XXXX once before and the issue was resolved. After a few months the issue is happening again. They are reporting us being late before our payment is due. Example : Our payments are due at the end of the month XXXX XXXX ... ..Ally is already reporting XXXX late!!! How is that possible? It is XXXX XXXX! Each month it is the same thing. Is this because we are XXXX XXXX? 
Also XXXX people are on this loan ... ..Myself and my wife. There is different information being reported on XXXX credit reports. 
A review of our interest rate is need also. We should NOT have gotten a high interest rate because we are XXXX XXXX. That is unlawful!!
Consumer complaint received 2016-08-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (TX)

Experian has fail to provide me with results of my dispute that I have initiated since last year on accounts that collections companies have fail to provide with proper documentation, accounts closed and recent payments have been posted, wrong personal information that I have disputed and Experian has send notices that they will not delete.
Consumer complaint received 2016-10-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MD)

I just got my credit report and EXPERIAN have this Fraud information : XXXX XXXX XXXX, XXXX XXXX {$52.00}. I called XXXX and XXXX XXXX XXXX and both of them said That they did n't sent any report under my name to experian. I was calling experian so many times and they dont answer, just a machine. I requeste to remove this information from my credit report because I 'm in the process to buy a house and this information is afection my credit.
Consumer complaint received 2016-09-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (VA)

Out of the blue, a negative credit item has appeared on my Experian credit report from XXXX XXXX XXXX XXXX, partial account # XXXX, with the original creditor OHSU Faculty Practice. I have never bought any services from this creditor, nor had an account with this creditor, nor have I any knowledge of this creditor or the original creditor. Apparently it is based on Oregon, where my ex-wife lives. I have been divorced from her for 6 years and she is no longer named XXXX XXXX but rather has the legal name " XXXX XXXX. '' I never agreed to enter into any joint account with her or have any joint responsibility with her. To have this account added to my credit report based on a date opened of XXXX 2010 and a date of status of XXXX 2010 is bizarre. This may be an obligation of my ex-wife but it is emphatically not my obligation. This must be removed immediately.
Consumer complaint received 2016-11-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (FL)

I had no clue there was anything being reported on my Credit Report until I tried to apply for a apartment. I have never had credit or tried to apply for anything until now and Oh my gosh! Experian has been reporting negative inaccurate information in my credit file. For XXXX, Paradigm Acceptance, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX. I thought upon doing further research that I could reach out to them and get these things removed. Well that is not the case at all. I 've been disputing with this company for over 6 months to get this information removed and they refuse. I have asked them to remove any name that I have not provided due to false information reported on my credit report. I have also asked them to remove inquiries that are not mine permanently. They stated that the information was verified and it belongs to me which I do n't understand because if they have verification then why have n't they sent me copies of it? I have ask for a investigation and documentation in a timely manner. I have called, emailed, mailed and faxed. And still being ignored with no verification or documentation. Under the Fair Credit Reporting Act, If the consumer disputes anything and it ca n't be verified within 30 days, Then it must be removed. I did not authorize anyone employed by these companies to view my credit reports. The letters they have sent to me claim to have 'verified ' this information '', but this is in fact not true under law. It has been past 45 days and nothing. Now I will be suing Experian as well as anyone on my credit report with false inquiries for causing me damages such as denial of credit, denial of renting and increased insurance premiums.I should not have to be inspector gadget to try to track people down and figure out where these false thing on my credit report came from.I can not even buy a house right now if I wanted to. I have provided more than sufficient evidence to get these false inquires and names and addresses removed. Such as a copy of my State Issued Id and Social Security Card in addition to a Utility bill in my name verifying my address. I have filed this complaint with hopes of Equifax actually being an company with integrity and reporting accurately. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I get against Experian and Companies on my credit report for violation of the Fair Credit Reporting Act and Defamation. This is my last resort and I 'm seeking monetary relief for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act. It is not ok to blow people off and effect there lives in a negative way this is my personal information and if they have access to it. Then it should be reported accurately.
Consumer complaint received 2016-06-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (IA)

I am a victim of identity theft and someone stole my personal information and identity to open unauthorized and fraudulent accounts and inquiries. I have received harassing and threatening telephone calls and death threats from various credits in regards to the unauthorized and fraudulent accounts. The following accounts are unauthorized and fraudulent : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, The following inquiries are unauthorized and fraudulent inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX and XXXX