davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (TX)

Well I had sent {$100.00} to my fiance who lives in XXXX through the Remitly app, but nomne of the banks in her city use their app. So, I tried contacting them multiple times to which after explaining this, they told me that they would take it to their internal team to fix the problem and to allow 3 business days for it to return, this was on a Tuesday. I've had to contact them again today to try and get my money back, to which they told me again that they were taking it to the internal team and to wait another three days for a return
Consumer complaint received 2024-02-13
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. (KY)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-05-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

Back in 2021 I closed my account with XXXX  and returned all the phones. The reason I closed my account was because of their poor billing practices. I had to repeatedly call them because they were not billing me correctly. When my contact was up I switched companies. They continued to bill me. I called them repeatedly and they never cleared my account. I was even told by one of the collections people that this was typical for them. I refuse to pay them because they are so inept at billing that they didnt close my account correctly. If they do this to everyone just think how much money they can collect.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-08-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

These are unauthorized inquiries. It annoys me and gives me a lot of XXXX whenever I see them on my report. This causes me a lot of XXXX
Consumer complaint received 2019-02-27
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. (NY)

I have filed 11 disputes over my child support with Experian and they say I am in collections. I got results on XX/XX/XXXX, XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX all of the disputes filed and they will not fix my credit report. I have sent them proof of payment from XXXX county child support and new York state child support and social security.
Consumer complaint received 2023-05-25
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: JPMORGAN CHASE & CO. (SC)

I have several hard inquiries on my credit report that I didn't authorize or have any knowledge of... 
XXXX XXXX XXXXXXXX credit card inquiry on XXXX JP Morgan Chase Bank credit card inquiry on XXXXXXXX XXXX XXXX  credit card inquiry on XXXX XXXX XXXX XXXX XXXX XXXX credit card inquiry on XXXX
Consumer complaint received 2022-08-08
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. (PA)

n accordance with the Fair Credit Reporting Act XXXX XXXX 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.
Consumer complaint received 2023-05-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: OPTUM BANK, INC. (NY)

I initiated a request to transfer my XXXX from Optum Financial to XXXX at the start of XXXX in XXXX. At some point in XXXX, I noticed my Optum Financial account was closed out and emptied. However, towards the end of XXXX I noticed that XXXX still had not received my transfer money. Optum Financial told me the check was mailed out around the beginning of XXXX and said at this point, it should have arrived. I checked with XXXX and it hadn't arrived and XXXX suggested that I put a stop payment on the first check so they can expedite a second check out. This was around XX/XX/XXXX, and the assumption was that the second check would be expedited and sent out a few days later. 

A month later, I'm finding out that the money was put back in my Optum account, my account was reopened, and I need to sell the investments and start this process over again. Optum will not provide a tracking number on the check they mail out, so once this happens there will be no transparency where the money is again even if it's been a month. At this point, a process that was supposed to take 4-6 weeks is still ongoing XXXX weeks in. 

Different representatives at Optum have also told me differing information. I was told that they can expedite a new check to XXXX, but then was just told they need to restart the process over and there's no expedite process.
Consumer complaint received 2022-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

There was a XXXX credit credit card fraudulently opened in my name XXXX XXXX due to identity theft and they charged up {$3700.00} and have tried several times to have this removed from my credit report with all three major reporting agencies as well with the merchant. They refuse to remove this account.
Consumer complaint received 2019-02-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (WA)

On XX/XX/XXXX I closed my account with US Bank. And it was closed because on the ending statement they mailed, it's listed as closed on XX/XX/19. However, 10 days later, they re-opened it and refuse to close it now. I called customer service and they said because I had additional transactions with a positive balance of about {$600.00}, they had to do it. But they were keeping these funds and were not mailing me a check for the balance. I called up again and they said they would close it and mail me the funds. But they did not do this again. They have no right to open my account and keep the funds on a hold. It's industry custom to close the account and mail remaining balance to the customer. I'm being treated different and it's against their own policies.
Consumer complaint received 2021-01-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Navient Solutions, LLC. (AZ)

XX/XX/2021 By the name XXXX XXXX contacted my wife 's phone from XXXX at XXXX XXXX  and left a message. In that message she spoke very fast and not every word was spoken clearly ; however, she left personal information ; my full name, my age, full DOB and full address. My wife 's phone does not have a personal voicemail message, so she had no clue who she was even leaving the message for. She also left this full message on XXXX  of my daughter 's voicemails as well. She is contacting and give all my personal information to several people. 

After reviewing the message several times I believe the company 's name is MSB or could be MSV. 

She left a message threatening that she is in arbitration process incentive division and that I have a case number with XXXX XXXX. The case number she left on my wife 's phone is different then the one she left with my daughter. The phone number that she left on both voicemails was the same XXXX. 

She stated she will be contacting all employers, anyone that is close to me, all locations and this is in recovery for rewards for all assets including properties, vehicles and bank accounts. Then she stated thank you, good luck. 

If this is in fact a collection account of some sort, contacting people and giving/leaving my personal information is harassment. They are in violation of Fair Debt Collection Practices Act ( FDCPA ) and threatening to contact an employer and sharing information improperly, and improper communication tactics. 

Under federal law, a debt collector may contact other people but generally only to find out how to contact you and they are not following this law with giving out my personal information. 

Fair Debt Collection Practices Act ( FDCPA ) 807. False or misleading representations ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. 

804. Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; Contact me on my phone with a phone number that I have had for over 10 years and let me know what it is for.
Consumer complaint received 2023-08-07
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (SC)

I open an account with XXXX XXXX to have my employer to make direct deposit and each I must say money was missing or funds was low and overdraft when they told I didnt have overdraft protection but account was negative! I lost every bit of XXXX dollars I lost then they closd my on their own
Consumer complaint received 2020-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX {$320.00} XXXX XXXX   XXXX {$2500.00} CHAPTER XXXX BANKRUPTCY
Consumer complaint received 2024-02-13
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. (MS)

I am highly upset the credit agencies have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mines to be deleted and block from my credit report immediately. It's been more than 30 days, and I haven't received anything. I've did my research on the laws and in section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately delete and block them. Also, section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my notarized letter I am demanding these items be deleted immediately or I will have to file litigation due to the stress you are causing to me and my family. I am authorizing this investigation this is not a third-party company.
Consumer complaint received 2020-05-27
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: EQUIFAX, INC. (GA)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX {$320.00} XXXX XXXX   XXXX {$2500.00} CHAPTER XXXX BANKRUPTCY
Consumer complaint received 2024-03-05
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (NY)

On XX/XX/XXXX I purchased show tickets from XXXX using affirms payment Loan ID XXXX. I immediately canceled the tickets and was issued a refund. On XX/XX/XXXX I received a notification on the app that a refund was issued on XXXX On XXXX I got notice from Affirm the loan was finalized and payments would start being deducted. The charges were already canceled by XXXX but Affirm is attempting to still charge me for the loan On XX/XX/XXXX I made a purchase on XXXX XXXX ID XXXX. and also immediately canceled services. They confirmed the services were canceled and a refund was issued. Affirm still has the loan as merchant processing and it has been almost XXXX weeks They continue to bill me for refunded or canceled services/items and never look into the issue as I have had this issue with them so many times
Consumer complaint received 2024-02-13
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. (NC)

XXXX XXXX XXXX XXXX IS WELL AWARE OF THE FRAUD THAT IS REPORTING ON MY ACCOUNT. THEY HAVE RECIEVED POLICE REPORTS FTC REPORTS AND THEY HAVE DONE THEIR OWN INVESTIGATION. DURING THAT TIME THEY FOUND VIDEO EVIDENCE OF THE PERSON COMMITTING THE FRAUD. BUT YET AND STILL THEY CONTINUE TO REPORT THIS FRAUD TO TRANSUNION, DAMAGING AND HARMING ME. MY CONSUMER RIGHTS ARE BEING VIOLATED IN MULTIPLE WAYS, AGGRAVATED IDENITY THEFT [ 18 USC 1028 A ] AND WILLFUL NON COMPLIANCE. 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] THE LAW SAYS IDENTITY THEFT MUST BE BLOCKED WITHIN 4 DAYS [ 15 USC 1681 C-2 ] XXXX XXXX ACCT # XXXX .I will also be seeking XXXX per VIOLATION IF NOT DELETED ASAP 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3.Fair Debt Collections Practices Act 15 USC 1682g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance-616. Civilliability for willful noncompliance [ 15 U.S.C.168in ]
Consumer complaint received 2020-12-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUN WEST MORTGAGE COMPANY, INC. (CA)

XX/XX/2020 payment was paid in installments. When a Sun West Mortgage representative called to collect {$1.00} deficit for XX/XX/2020 payment, for some reason transaction didn't clear. Sun West Mortgage used line of credit overpayment to cover {$1.00} deficit to XX/XX/2020 payment. Sun West Mortgage reported XX/XX/2020 payment to credit bureau as 30 days late. XX/XX/2020 wasn't in suspense for incomplete payment. Payment was taken at Sun West Mortgages discretion, so a 30 day late payment for {$1.00} should have never been reported to credit bureau.
Consumer complaint received 2023-03-30
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2024-04-12
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (LA)

I requested the removal of debt from my credit report for due the agreement with the company XXXX XXXX XXXX. I already filed a complaint with cfpb it is still reporting on my credit report. My next actions as my rights have been violated is to seek legal actions for the damages and false information being reported. I have already spoken with the other credit bureaus and they have removed them. Equifax CEO XXXX XXXX has to be held accountable for violating people 's rights.
Consumer complaint received 2023-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE (NY)

I have been going through financial difficulties and recently lost my job as well which exacerbated my situation. 
I kindly contacted all of my credit cards asking for some financial relief. 
However Barclay refuses to work with me. The only options they are offering is to settle for less than full balance which, although nice, requires me to pay within 3 months which is well beyond me in my current financial situation. 
I chatted with them on their website multiple times and each time they claim they can not offer me anything and ask me to call, but when I refuse to call and get bullied. 
I need a payment plan and lower my interest rate on my current balance in order for it to be doable. 
I explained to them I am trying to regain my financial stability but if my payments and interest is too high I will be forced to declare bankruptcy and wont be able to pay anything, but they did not care. 
I am a mother with XXXX young children at home and it is extremely cruel of them to do this, unlike the other card issuers whom were very accommodating. 
I owe {$13000.00} to them and the balance keeps growing
Consumer complaint received 2024-02-13
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ( items ). 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX Creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed 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 2023-05-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXXXXXX XXXX XXXX XXXX  ), Chase bank authorized a payment from XXXX with the amount of XXXX. I then disputed the charged through Chase because this charge was unknown to me. Chase sent a temporary provisional credit of the same amount a few days after. They sent this credit and started the claim on XX/XX/XXXX. Chase Bank then disputed the transaction and voided these tickets on my XXXX account. Im assuming that this bank contacted the merchant and was able to cancel the tickets. I thought everything was going right. Suddenly on XX/XX/XXXXXXXX  Chase Bank reversed the claim and then took the {$490.00} credit which was supposed to go back to me but was taken away from me once again not from the merchant but from the bank. I am now at a loss with XXXX because they said the financial institution ( which is Chase in this case ) had disputed the transaction and now they have told me to contact Chase to get the money back. Also XXXX had said they sent me a refund on XX/XX/XXXX but was never sent anything, nothing on my bank statement states that there was any money refunded back to me. Please help.