davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

on XX/XX/22 we sent {$1500.00} via moneygram international at our local XXXX XXXX to an account in XXXX.the funds were never recieved, money gram claims the wrong account # was given. not true, in fact the bank in XXXX would not accept the transfer due to the amount ( over XXXX thb. ) money gram says that it may take up to 90 days to resolve this matter and keep giving us the run around... frustration as our family needs this money.
Consumer complaint received 2022-01-17
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. (LA)

OnXX/XX/XXXXXXXX XXXX  ran y credit with y knowing and permission and they answered claimging to find out where I work and live Can they run your credit to find out Information just because they want to when they can just call you and get it Transuniom is reporting this knowing that they are doing this illegally
Consumer complaint received 2022-07-19
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)

On XX/XX/2022, I disputed an account reported by XXXX XXXX XXXX in the file you maintain under my Social Security number. 

I was informed on XX/XX/2022 that the item was deleted from my credit report. 
Now I have discovered that the item has been inserted on my credit report on XX/XX/2022. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.
Consumer complaint received 2024-01-21
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. (IL)

Credit bureau has been complicit with XXXX XXXX XXXX reporting inaccurate account status for approximately 3 years. Account disputes results in more inaccurate changes which continues to damage my credit rating. The consistent inaccurate reporting is a defamation of character and is harmful to fair and equitable access to credit. 


XXXX XXXX Actions : XXXX. Account has been charged off since XX/XX/XXXX. 
XXXX. Last Payment Reporting = XX/XX/XXXX. 
XXXX. Account is reporting unrecognized and conflicting payment history compared to payments shown in balance history. 
XXXX. Payment status changes when charge off status is removed, however, balance remains the same or slightly increases. 
XXXX. Each time account is disputed, the credit bureau allows the creditor to change the reporting history without proof or documentation verification. 
XXXX XXXX : The lender has a pattern of reporting positive history to claim charge off for tax fraud. 

XXXX. XX/XX/XXXX reported account as up to date after charge off XX/XX/XXXX. 
XXXX. Reported account as current XX/XX/XXXX after charged off XX/XX/XXXX. 
XXXX. Flagged account 30 days past due XX/XX/XXXX after XX/XX/XXXX charge off. 
XXXX. Reported account as current XX/XX/XXXX after charged off XX/XX/XXXX. 
XXXX. Flagged account as XXXX XXXX XX/XX/XXXX after charged off XX/XX/XXXX. 
XXXX. Flagged account as XXXX XXXX XX/XX/XXXX after charged off XX/XX/XXXX. 

I have reported the inaccuracies several times to the credit bureau, however no action has been taken. the credit bureau has been complicit in the continued defamation of my character and in violation of FCRA section XXXX. 

Disputes and dates below : XXXX Results generated XX/XX/XXXX XXXX XXXX submitted XX/XX/XXXX XXXX Submitted XX/XX/XXXX XXXX Results Generated XX/XX/XXXX XXXX Submitted XX/XX/XXXX XXXX Results Generated XX/XX/XXXX XXXX Submitted XX/XX/XXXX XXXX Results Generated XX/XX/XXXX XXXX Submitted XX/XX/XXXX I have submitted several complaints via CFPB which resulted in no action being taken. CFPB complain numbers are as follows : XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX
Consumer complaint received 2022-01-17
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I have reported and had this account investigated multiple times with Experian and XXXX but both credit bureaus failed to update the inaccurate reporting. XXXX has continued to re age this account. Attached is evidence that XXXX has re-aged this account again in XX/XX/2021 which is a violation. The date of last active is totally different from Experian and XXXX.
Consumer complaint received 2024-01-21
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. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2022-01-17
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: Experian Information Solutions Inc. (LA)

I sent letters to XXXX, Experian and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 31 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
Consumer complaint received 2021-09-02
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION (IA)

Toyota Financial Services Toyota Motor Credit XXXX XXXX XXXX XXXX, IA XXXX Account XXXX XX/XX/2012 Stole my down payment, didnt apply it to my purchase. I signed my car lease a week before. The company called me back up to say there was a problem with financing and I had to come back to resign papers. I contacted the company several times and it and they havent responded with the down payment.
Consumer complaint received 2023-01-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (PA)

I submitted an application to Fay Servicing as of XX/XX/XXXX for a Modification review, which they confirmed receiving it on XX/XX/XXXX. As of today, XX/XX/XXXX, they are stating they can not review the application due to not having enough time because of the upcoming Sale Date for XX/XX/XXXX. Based on my research, and what is noted on their application, it states the full application needs to be submitted by the XXXX day of the Foreclosure sale. If we count 37 days, that would put me at XX/XX/XXXX, which is still more than enough time for review. There was a previous application that I submitted which resulted in a denial on XX/XX/XXXX due to insufficient income, however they did not take into consideration my Social Security income. In this new application I made sure to circle all my deposits and provide the Award Letter. Please, I do not want to lose my home and they refuse to assist me. Please help! 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-01-17
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: CCS Financial Services, Inc. (KS)

I received a letter from Credit Collection Services dated XX/XX/XXXX advising of a debt. I contacted Credit Collection Services that stated I only had till XX/XX/XXXX to pay said debt. This is clearly a violation of the Fair Debt Collection Practices Act section 1692G. 

I have notified the agency of my intent to file suit under both the FDCPA as well as under the Kansas Consumer Protection Act. 

I have attached said evidence to support these claims.
Consumer complaint received 2022-01-17
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: EQUIFAX, INC. (LA)

I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 31 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2022-01-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

I have disputed : XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX {$890.00} XXXX XXXX XXXX  XXXX {$320.00} XXXXXXXX XXXX- XXXX {$810.00} Since XX/XX/2021 for seven ( 7 ) months. Each of the accounts listed are inaccurate and unsubstantiated. I have disputed this information with XXXX, Equifax, and XXXX without success. 

These debt collection companies are furninshing unsubstatiated damaging information to my credit report without regard.
Consumer complaint received 2016-02-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (WI)

I never lived at XXXX wi XXXX address id number XXXX geographical code XXXX. Experian keeps says creditors report that I did. I ask them to remove it and they dont. They also have XXXX different names on my report which they wont remove. I am XXXX XXXX XXXX not the other XXXX they have on the report. I am a consumer statement of this and they remove it. I also dispute the accounts that are listed as negative detriments and they say they are valid. All of them were included in a Bankrupcty over three years ago. They refuse to remove them.
Consumer complaint received 2022-08-08
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. (CA)

It has been a battle going through this and I am saubmitting this complaint to delete the following fraudulent information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. 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 Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b : XXXX, XXXXXXXX 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 XXXX Balance Owed XXXX {$0.00} XXXX XXXXXXXX Balance Owed : {$1000.00}
Consumer complaint received 2022-01-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

1. ) I was applying to have my house refinanced, unfortunately I was denied. I was notified that the reason that I wasn't approved was due to the fact there was a Degregory account on my Experian Credit Report. One XX/XX/XXXX I requested all 3 of my credit reports, Experian listed an account that shouldn't have been reporting on my credit report which caused me so much mental aggress and embarrassment. The account that provoked my denial to refinance my house XXXX XXXX Acct # XXXX was on DELETED XX/XX/XXXX. I do have documentation to prove their horrible mistake. 
2. ) The names being reported on my file are completely inaccurate.

1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX addresses damaging my file. 
1. ) XXXX XXXX XXXX # XXXX XXXX, TX, XXXX - ID # XXXX. 2. ) XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX - ID # XXXX ( I HAVE NEVER LIVED AT ADDRESSES LISTED. 
3. ) A major discrepancy my last 4 of my Social Security Number is showing XXXX. 
4. ) XXXX XXXX XXXX XXXX XXXX. I am authorizer on this account, and I need to be removed. 
ALL THIS INFORMATION THAT I JUST PROVIDED YOU IS COMING DIRECTLY FROM MY EXPERIAN CREDIT REPORT.
Consumer complaint received 2021-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (NY)

Someone 5 times tried to get some sort of credit card or credit with Citi bank - they were all denied due to lack of information on there part - but they used my address at the minimum
Consumer complaint received 2022-08-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX I filed an investigation to be opened up for a fraudulent wire transfer that occurred on the XXXX for {$95000.00}. An individual hacked my account to transfer {$90000.00} from my Savings Account to my Checking Account and wired over the total of {$95000.00}. 

I submitted an affidavit and filed an XXXX report on XX/XX/XXXX. Citibank received both of those documents. 

The investigation has gone over 60 days and there is no response from the investigator. The latest update is that the investigation has been complete but, they are waiting for final approval. 

I should have already received a response or any sort of update - if an investigation goes over 60 days, I should be given provisional credit until the money is restored to it's full amount. 

The next steps would be to potentially sue Citibank & take them to court.
Consumer complaint received 2022-01-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have received a SBA PPP loan and deposited into my capital one simply checking account. I was using that loan amount to support my business during the pandemic period but capital one frozen my account recently and now I see that the amount was withdrawn from my account without my concent, with no proof of where it was sent. Capital one did not provide any reason why they took this action and neither did they reach out to me for any clarification. I did feel like capital one did not act as a financial service provider rather felt like a simple working man was harassed for no reason. I need my money back into my account if not then full written clarification of where my money was sent and reason for it asap.
Consumer complaint received 2021-04-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NC)

On XX/XX/2021 I called my mortgage company, Mr. Cooper, for about the 6th time, because they were giving me different answers about removing my PMI. I let them know that they could not refuse this due to the Homeowner 's Protection Act, and I was then told that I could send in around {$12000.00} to reduce my principal within the limit. 
I did that and requested that they remove the PMI. 
On XX/XX/XXXX I followed up to find out that they had not removed the PMI and the woman ( no name given ) said that she would " submit the paperwork. '' On XX/XX/XXXX, I spoke to a woman that said that I was still {$800.00} dollars from the point where PMI would be removed and she then transferred me to " XXXX '' who informed me that somehow my home was now in a FEMA Disaster Area and that XXXX XXXX would not allow the PMI to be removed unless I PAID for an assessment. 
I am beyond disgusted with this company. 
Any help would be appreciated.
Consumer complaint received 2022-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (PA)

I received an on-line promotional offer from Synchrony Bank on XX/XX/2021. The promotion was for a MasterCard that offered 2 % cash back, as well as a {$100.00} bonus for spending {$1000.00} within the first 3 months. I applied and was approved for the card the same day. The promotional offer was confirmed on paper to which the card itself was physically attached. By XXXX XXXX I had fulfilled the requirement for spending {$1000.00}. However, despite repeated inquiries and requests, the promotional offer was never honored.
Consumer complaint received 2022-08-09
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. (LA)

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 2022-01-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal has locked my account and this has caused me to be unable to take out my funds which is 85 and thats a lot of money for me and I really needed it I tried contact them but they said I need to wait 180 days but I really need my money quickly
Consumer complaint received 2022-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX DOB : XX/XX/XXXX ACCOUNT : XXXX Closed Account number XXXX I have always maintained that I had paid this account and then only then they started charging late fees, but I wanted this account off of my Experian credit report so when I received the settlement offer I took it. 
Looking at my Experian credit report now, there are discrepancies : the charge off 's that you could find up to XX/XX/XXXX have been removed. 
The Fair Credit Reporting says that information on a credit report has to be " timely, verifiable and accurate ''. 
They changed the data, what they did was they created false data saying that they hadn't reported for 18 months and only report one CO in XX/XX/XXXX so they made it inaccurate .incomplete and is no longer fair. 
This account should be deleted from my credit report. 







XXXX XXXX
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I submitted a letter to the 3 Credit Bureaus last XX/XX/2022 requesting the investigation, verification and update of these suspicious accounts. I think that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against the 3 Credit Bureaus because of their willful non-compliance. These accounts were already included in my prior complaint last XX/XX/2022, and I'm including it again. The following accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, must be updated to reflect accurate information on my Credit File.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I have 12 unautorised hard inquiries on my credit file and these reports were even repeated by the same companys, I have contacted them to have it removed, but each time I call, they tell me there's nothing they can do about it and always send me back k to the credit bureaus. 

After contacting the credit bureaus I was giving this site to make a report and also send some documents requested from the credit bureaus to complete the dispute.