davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (TX)

XX/XX/XXXX Transferring {$1500.00} from XXXX, TX to XXXX, XXXX, XXXX. 
Transaction started from XXXX XXXX # XX/XX/XXXX, XXXX XXXX XXXX, XXXX, TX was blocked ( got phone message ). 
Called XXXX number from WU message, operator cancelled transaction without any additional information. Got reference to Terms And Conditions on WU website. Did not find any information on why my transaction was cancelled
Consumer complaint received 2024-01-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (NY)

On XX/XX/2023 my chime account card ending XXXX was scammed for {$970.00}, an unauthorized transfer for {$970.00} was sent to a person I do not know or have even transferred money to. I have sent chime police reports documents from target for another purchase made by this person for {$110.00} which target fraud department cancelled. I have now open the 7th rebuttal since the date of incident which company keeps denying. I have spoke to 9 supervisor 12 customer service representative and they will not identify what how this happened or give an investigation. Every time I open an investigation within 4 to 6 hours and the claim is denied. I have had my chime account for years never experienced this kind of service. My rent is now past due and they will not help me please
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
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: EQUIFAX, INC. (CA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ), " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. '' Equifax and XXXX are consumer reporting agencies, and I am the CONSUMER. I have the right to make sure my private information isn't shared, which 15 USC 6801 backs that, and it states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' XXXXXXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681, Section 604a, Section 2, states that " In general, subject to Subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, the financial institutions, and consumer reporting agencies Equifax and XXXX do not have my written consent. Any and all consents to XXXX, Equifax, XXXXXXXX XXXX XXXX  and XXXX XXXX XXXX, whether verbal, non-verbal, written, implied, or otherwise, are revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose non-public personal information to a non-affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXXXXXX XXXX XXXX  and XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that XXXX5 USC 1681 C ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information, any adverse items of information, other than records of convictions of crimes that antedate the report by more than seven years. '' This account is an adverse item ; they are reporting again without my permission, which is against the law. 15 U.S Code 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states, " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of Section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under Section 1681b of this title. '' Equifax and XXXX are not maintaining responsible procedures. Also 12 CFR 1016.7 states that " a consumer may exercise the right to opt out anytime. '' I am opting out of your reporting services. '' i
Consumer complaint received 2018-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I use XXXX XXXX as a reference to my credit score, recently XX/XX/XXXX I happened to check my report and noticed my credit score went from XXXX  down to XXXX!, According to Trans-Union has kicked off this XXXX XXXX thing that XXXX XXXX has jumped on and used against me. Back in XXXX I briefly had a account with XXXX XXXX   while living in XXXX WI, I had signed up for a budget ( which was a huge mistake NEVER AGAIN will I fall for that offer ( Scam ). ), I then had to move and had the account closed to my memory XXXX XXXX at the time claimed my closing bill was {$100.00} - and since I was entering a XXXX XXXX XXXX XXXX I figured I would be paid enough to pay this bill and be done with it, however that didnt work out as I had hoped, so in a period of 2 months XXXX XXXX  decided to act out and run to a collection agency in a panic attack and exaggerate I duped them out of money etc, and the next thing I know is Im slammed with {$810.00} - XXXX No! There is no way I am paying these thieves that amount of money, {$400.00} yes, {$810.00} NO! and that is final. They have claimed which is a flat out lie that they have tired to contact me before collections, COMPLETE LIE, they had my number ( old one before it changed ) they knew how to reach me so the contact story was a farse, something I'm seeing on a regular basis out here in Wisconsin, a huge DRAMA state to say the least. So now since they are throwing their temper tantrum along with Trans-Union back in the picture playing their games again, they are using this XXXX nonsense that kicked off in XX/XX/XXXX. Also Trans-Union still has me owing XXXX XXXX XXXX to XXXX XXXX  XXXX which this was paid off LAST XXXX YEAR. Trans-Union obviously wants to perform their theatrical tryouts of XXXX  in court, Tell them THEY ARE ON! I will be contacting a Attorney for Slander and Lies as well as fraudulent attacks personally against me, I'm fed up with Trans-Union, this type of XXXX isn't on the other creditor bureaus only Trans-Union, and I know their a foreign operation which I cant understand why the Government allows to operate in the USA. Talk about uneducated XXXX! I have seen cockroaches navigate around better and they dont even have a brain!
Consumer complaint received 2018-06-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

We were closing on the sale of our house so we did not make mortgage payment. 4 days before closing bank pulled financing for buyers. I asked the loan servicer to make a payment online which we still would owe one payment but would no longer be behind. Not only could i not make an online payment because i was behind when i called i was going to be charged an additional {$20.00} musty to make s payment. This was in addition to the late charge i already was charged. Why is s payment usually free suddenly {$20.00} more? Double charging me for a late fee.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-10-11
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. (TX)

I have sent several dispute letters and debt validation letters about these alleged Charge off Accounts. The only response is that the debt was verified, however i asked that they validate the debt pursuant 15 USC 1682g. Transunion has furnished my personal information on their platform without written consent from me, that is a violation of my Consumer Rights, code 15 U.S Code 1692b. ( 2 ) This negative information has resulted in a negative impact on my financials and credit worthiness. As a consumer and pursuant to 15 USC 1681n ( a ) 1b I request {$1000.00} per negative item on my consumer report that you don't have written permission to have. Pursuant to 1681a ( 2 ) a, ( 2 ) b Transunion is in violation of the following alleged items listed on my consumer report : See Attachment
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2015-07-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (GA)

In XX/XX/2011 I had to move my family out of an apartment at XXXX XXXX XXXX XXXX XXXX due my wife and newborn baby becoming very ill as a direct result of the apartment we were living in having black mold. The apartment manager agreed to allow us to move out due to the circumstances. Since that time the management company of the apartments, XXXX XXXX XXXX XXXX XXXX XXXX has placed a collection balance with a collection agency that in-turn has placed a derogatory collection entry on my credit report with all three credit reporting agencies. The apartments and management company furnished me with a letter on XXXX/XXXX/11 ( letter attached ) advising that the collection item would be deleted from my credit report, but to date it has not.
Consumer complaint received 2015-09-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (CA)

Last year I filed a Chapter XXXX Bankruptcy to reorganize my real estate debt in XXXX XXXX County ( Case No. XXXX ). 
Chase bank attorney XXXX XXXX representing all Chase bank for my case. On XXXX XXXX you have denied my motion to stay and my appeal and approved. XXXX XXXX filed his own plan to liquidate all three of my properties, those that were underwater and those that were not. 
On XXXX XXXX the final plan was issue. XXXX XXXX XXXX, an attorney, was named the disbursing agent of XXXX XXXX plan. Two weeks after XXXX XXXX plan of liquidation was confirmed, XXXX XXXX drained all the funds in my XXXX debtor in possession bank accounts for total of more than $ 50K, without left any money left for my foods, gas, and bills pay. 
If I had not filed the Chapter XXXX and sold the homes myself I would have approximately {$500000.00} because of the equity. Now when XXXX XXXX 's liquidation plan is over my XXXX family members will be homeless with XXXX kids from XXXX yrs old, elder parents and XXXX sister-in-law. 
My attorney was intimidated by the Judge, Chase attorney XXXX XXXX and XXXX XXXX, and did not file an appeal. I have no recourse. I am desperate ; I do not know what to do. As this point I even do n't know if I still have a patience continuing to wait for my BK attorney can do anything to help me. 
As a normal person who 's is not in law profession would ever think to filed chapter XXXX can turn their life from bad to worse. I only think chapter XXXX where they allow debtor to reorganized my debts to affordable payment plan so I have a chance to keep my properties and back on track with my financial hardship. But after the court approved Chase plan they 're intentionally to push me to ended of the road, where all my family and I to be living on street and without pennies to survived. 
My attorney and I are trying to work with Chase so I can bring in certain amount of funds to settle for all of my XXXX properties but Chase attorney did not want to accepted. Rather than to put my house on the market for sale and want to eviction me out of the home if I do n't cooperated with them to sale to my property. 
I trusted the system to be fair and unbiased, and that the outcome that I would achieve through the United States Bankruptcy Court would be better than the outcome that I could achieve on my own. I was surely wrong. The outcome of this case has left me stunned and in utter despair. I can not function and do not know where to turn next. If you have any suggestions, or may have thoughts on what we could do, it would be greatly appreciated. 

Sincerely,
Consumer complaint received 2016-06-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Transunion has to be one of the worst, incompetent, lazy, lying companies on the face of the earth! I have been trying for almost a year now to clear up some obvious mistakes that they have made on my credit report and despite clear evidence of their errors they are refusing to do anything other than give me a hard time. XXXX XXXX and XXXX and XXXX show me owing them money but they have refused all forms of requests fro validation that I have sent them and it is safe to assume that they probabaly dont have it right? XXXX has a 30 day late in XX/XX/XXXX that should have been removed by now. XXXX, XXXX XXXX, XXXX XXXX have been paid so why does it still report? I dont owe them any money so it doesnt make sense that they should continue to harm my score right? Also XXXX is reporting a late date in XX/XX/XXXX that should have been removed by now.
Consumer complaint received 2024-01-12
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. (LA)

As stated in the Fair Credit Reporting Act 15 USC 1681 Section 602, it is decisive for consumer reporting agencies like XXXX and Experian to carry out their responsibilities with fairness, unbiased, and respect for the consumer 's right to privacy. As the consumer, I have the right to make certain that my private information is not shared, as supported by section 6801 of the same Act. This section emphasizes that financial institutions, including the entity furnishing information to credit agencies, have an ongoing obligation to protect the privacy and confidentiality of their customers ' nonpublic personal information. Section 604 ( a ) ( 2 ) of the Act states that consumer reporting agencies may only furnish a consumer report under specific circumstances, one of which is when they receive written instructions from the consumer to whom the report relates. In this case, neither the financial institution nor the consumer reporting agencies, XXXX and Experian, have my consent to furnish this information, let alone my written consent. Therefore, any previous consent given to XXXX, Experian, or the furnisher of information to credit agencies, whether it was verbal, non-verbal, written, implied, or otherwise, is hereby revoked. Furthermore, section 6802 ( b ) ( c ) of the Act states that a financial institution can not impart nonpublic personal information to a nonaffiliated third party unless the consumer is provided with an explanation of how they can exercise their right to nondisclosure. However, the furnisher of information to credit agencies failed to inform me of my right to exercise this nondisclosure option. Furthermore, section 1681C ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse item of information in a consumer report, except as authorized under subsection ( b ). In conclusion, it is evident that the actions taken by XXXX, Experian, and the furnisher of information to credit agencies are in violation of the Fair Credit Reporting Act. As the consumer, I expect my rights to privacy and covertly to be respected, and I demand that immediate corrective measures be taken to rectify this situation.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I sincerely urge you to remove this item from my credit report as it's not associated with me and is completely fraudulent. I kindly ask that you swiftly investigate and correct this inaccuracy on my credit history.
Consumer complaint received 2018-06-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (MD)

on XX/XX/2018 XXXX XXXX  remove account XXXX for my Credit report .in less then a month later Cavalary Portfolio Serv , place back the same Account IDisputed with XXXX for Fraud, back on my Credit report. In which was remove by XXXX XXXX after I disputed FRAUD on my account, I also told Cavalary Portfolio Serv which failed to take the necessary action against this account .they have failed to investigate and check my Credit report that there is a Fraud alert on my reort for my Protaction as a customer. this account was open by fraud. I dont know why this company in less than a month place this back on my credit report.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I demand that you delete account XXXX XXXX XXXX XXXX immediately. Under FCRA law you are not allowed to reinstate a previously deleted account onto my credit report. Plus you never notified me that you were re-instating the account. This is a clear violation of federal law and you must delete this immediately.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.
Consumer complaint received 2020-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX  XXXX XXXX - FINAL PAYMENT {$1700.00} ON XX/XX/2019 Creditor closed the account with a Cancellation of debt/settlement Creditor ensured they would removed this negative item from my credit/consumer file report.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX  This is also completely inaccurate. 

XXXX XXXX XXXX XXXX  I do not recognize this. 

XXXX XXXX XXXXXXXX This is not accurate. 

XXXX XXXX This is not accurate. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Name XXXX XXXX