davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp. (FL)

Dear Officer REFUSAL OF WORLDREMIT TO REFUND REMITTANCE I write to officially make a complaint regarding the refusal of WorldRemit ( an online financial remmitance company ) to refund a remittance the recipient did not receive. 

On XX/XX/2020, I used the services of WorldRemit to make a series of 3 transactions, each worth {$870.00} plus service charge of {$0.00} totalling {$870.00} each, to two separate accounts belonging to a relative in XXXX. Two of the remittances were sent to the XXXX XXXX account and the third was supposed to have been sent to the XXXX XXXX XXXX ( XXXX ) account. Both of these 2 accounts belong to the same person and are linked to 2 separate phone numbers. The XXXX XXXX equivalenf each of these transactions ( {$870.00} ) is XXXX XXXX All 2 of the remittances that were intended for the XXXX cash account were acknowledged paid in my WorldRemit account on the same day XX/XX/2020, debited to my XXXX checking account on XX/XX/2020 and duly received and credited to the XXXX cash account on XX/XX/2020 and XX/XX/2020. 

However the 3rd remittance intended for the XXXX XXXX account even though was acknowledged paid on same day XX/XX/2020 in the WorldRemit account, debited out of my XXXX checking account on XX/XX/2020 was NOT credited to the XXXX XXXX account and has not till date. 

I subsequently made a report to WorldRemit and they acknowledged that it was a technical issue and that they would initiate a recall of the funds. 

After repeated reminders to WorldRemit through phone calls and emails and several assurances through same that they were working on the issue, I received an email on XX/XX/2020 that they were unsuccessful with the recall and thus wont be able to refund the funds back to me. 

My and my relatives checks with both XXXX and XXXX after an investigation indicated that no such 3rd remittance was received by either company. They have provided account statements ( which are attached ) to support their assertion. 

And as of today I have not received any refunds and any notification to that effect from WorldRemit I am therefore requesting your good offices to compel WorldRemit to refund to my account or to me an amount of {$870.00} plus service charge of {$0.00} for failing to remit the funds as requested. 

I have attached all relevant documents to support my claim and to solicit your help with same. 

Thank you for your consideration and every assistance in this regard is very very much appreciated Sincerely
Consumer complaint received 2021-05-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

My monthly payment to Navient is {$390.00} for two consolidated loans under FFELP was up to date.This payment contract stated in 2006. Ive been making regular payments with a couple of deferment interruptions. I started an inquiry about delaying payments until I was able to pay again because I was having temporary hardship. I was informed about an ( IDR ) and received an email. Thats when I realized I preferred a deferment, and made a second call, then I was offered immediately a forbearance that would stop payments until XXXX and resume again at a lower payment for two years @ {$250.00} month. After the two years, the payment would go up to XXXX for 155 months. The after the 155 payments, one payment @ {$450.00} for one month. I requested the representative from Navient to email me the contract before I make a decision and before I send in verification of income. The representative told me the forbearance was already in progress and that my payment was stopped until XXXX. I told the representative to hold off on the forbearance because I didnt like the terms of the new contract and that I wanted a deferment not a forbearance. She continued to read the script that my payments were stopped until XXXX and that payments have been lowered for two years. 
I made several attempts to get the forbearance removed but they continued to read me the script. The issue I have is that I will be starting this contract all over again with another collection agency and where I will be repaying back more money then if I had stayed with the contract in 2006. I do not want the forbearance and how can they make me accept this when I have not agreed verbally and without a signature. I will not accept this bullying and predatory lending disguised as an option for help when there is a real need for help. It makes you feel so vulnerable and hopeless in trying to get a real resolution that fits my circumstance. You heard the old saying to be thrown under the bus. Well in the case with Navient, they seem to throw everyone in front of the bus and keep running the bus back and forth over them with no compassion.
Consumer complaint received 2022-03-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (DC)

On XX/XX/XXXX, I saw that a fraudulent check had been passed on my Wells Fargo checking account. I called the bank immediately ( and to their credit, I did receive the funds back from this first fraudulent check ). The representative froze the account and helped me open a new account. With the original account frozen, and the bank assured me that no transactions would clear that frozen account without my authorization. Based on this assurance, I did not concern myself with another missing check that had not yet been cashed. 

I then contacted the company to which I had mailed the missing check and learned that they did not receive it. I later filed a complaint with XXXXXXXX XXXX XXXX XXXXXXXX XXXX for stolen mail. Based on the assurances of Wells Fargo, I did not expect this stolen check to be cashed. 

On XX/XX/XXXX, I saw that the missing check had in fact been cashed ( see attachment ) despite the account being " frozen ''. I called Wells Fargo the same day and received a claim number for my dispute of this transaction. I was told to expect resolution in XXXX business days and that I could monitor the claim online on the Wells Fargo website. A second claim number appeared on the website. Eventually the website indicated that the claim had a closed status. However, the money had not been returned to my account. The website indicated that I could call XXXX for more information. On XX/XX/XXXX, I called this number and was repeatedly transferred to various departments within Wells Fargo, speaking to at least XXXX different individuals. None of them could use either of the claim numbers to look up the claim and none of them could tell me anything about the status of this claim. 
To date, I have not yet received the funds from the check that Wells Fargo wrongly allowed to clear the frozen account.
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

Again, I was the victim of identity theft and this is my third request to remove the information in my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any items not later than 4 business days after XX/XX/XXXX. Ive already included this report in a previous letter & I am including it again. Also, the information that other Credit Bureaus provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts in their accuracy. This letter is to notify the Credit Bureaus that if they do not REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold the Credit Bureaus accountable for their willful noncompliance. 


XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$5700.00} XXXX XXXX XXXX Balance Owed ; {$4300.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$500.00} XXXX XXXX XXXX  XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$29.00} XXXX XXXX Balance Owed : {$850.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX MO XXXX XXXX XXXX XXXX XXXX, MO XXXX
Consumer complaint received 2022-03-23
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: EQUIFAX, INC. (PA)

Yes i was taking a look at my credit report and noticed these two inquiries on my Equifax credit report that i do not recognize the first one is XXXX XXXX  the inquiry date is XXXX Second one is XXXX XXXX XXXX  XXXX XXXX is XXXX the actions that were taken by the company was simply for me to call you guys or submit one of these.
Consumer complaint received 2022-07-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (KY)

I called XXXX XXXX on XX/XX/XXXX to verify if my account was closed and paid in full. Can not remember if I made a final payment at that time or before. I spoke to supervising agent ID # XXXX whom verified that my account was closed and paid in full. XXXX has since added additional charges, turned me into collections and continues to try and collect moneys not allowed to them. 

Since they continue to attempt to collect charges not owed, I would like to make you aware that since I upgraded with sprint in XXXX, they continually over charged me on a monthly bases. I have two specific, on line conversations with XXXX representatives that concur with my beliefs. Please allow a corporate lawyer to contact me if they believe I have a case case against this company. 

Thank You, XXXX XXXX
Consumer complaint received 2022-03-23
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. (KY)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} ( XX/XX/XXXX - XX/XX/XXXX ) XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2022-07-29
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. (LA)

It has been found out that you are not REMOVING items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1400.00} ; XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) XXXX Balance : {$1900.00} ; XXXX XXXX ( Original Creditor : 08 XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$560.00}
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (FL)

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-11-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

Hello, You have filled two lawsuits against me for 2 separate accounts. I have no knowledge of either of these accounts. I would have taken care of them if they were mine. I have been trying to dispute these off my credit report. I would like copies of the contracts with my signature showing I agree to pay these amounts by the original creditors you have reported for. I know I havent signed another with you or the original creditor. The contracts will show if it is my signature or not. I would like to get this matter taken care of. 

Thank you
Consumer complaint received 2022-03-23
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. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2021-05-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2022-07-29
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. (FL)

It has been discovered that you are not DISPOSING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which are answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the law. 
XXXX XXXX Balance : {$620.00XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$110.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$570.00}
Consumer complaint received 2021-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX, Citibank closed my Citi XXXX account for the reason abusive manner for the primary purpose of acquiring ThankYou Points, and forfeited all my thank you points ( XXXX ). 

1. Citibank arbitrarily closed my account without clear standard defending their excuse. 

2. On XX/XX/XXXX, during the talk with online representative, I was told that even though my account was closed, I could still redeem all my points. 

3. Its absurd that Citi forfeited all my points by saying I got all my points by misusing my card. 

4. Amount 40000+ points, most of them are not even from this card. They were earned through another card called XXXX.
Consumer complaint received 2022-04-24
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. (FL)

In accordance with the fair credit reporting and act XXXX account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A.states I have rights to privacy.

15 U.S.C 681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

The three main credit bureaus do not have accurate information on my credit reports. 
They are impossible to reach either though their individual sites as well as the contact numbers they provide. 

Due to their inaccurate information, my FICO scores are not only below that they should be, the decline with no specific information given by the credit bureaus. 

Two issues that they have incorrect is they show I have no installment loan and according to their models, this hurts my credit score. If fact, I do have an auto loan that they showed all of last year but for some reason fail to show it now. 

They also show a debit balance on my credit card that has impacted my score by 18 basis points. When in fact, I have a credit balance. It appears they looked at the credit balance as a debit balance. 

My FICO scores should be much better than they are reporting. I track them and the information provided several times a month. 

I often receive a notice that their sites are down and when calling their contact numbers only get into a calling tree that does not allow me to reach a representative. 

Thus my scores are now so low I am not able to gain a favorable mortgage rate. 

I've been frustrated with these " for profit '' credit bureaus as long as I can remember. 

Any assistance would be greatly appreciated.
Consumer complaint received 2021-05-05
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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (NY)

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. All reporting needs to cease.
Consumer complaint received 2022-08-23
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. (FL)

Hey I went to the car dealership and was trying to apply for a car. They said they was going to give me a soft inquiry on my credit but when I checked there was a lot of hard inquiries. The names are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-29
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. (NY)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : Balance : $ XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$490.00}