davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

XXXX  ; Experian and XXXX  are not researching and properly reporting that the following accounts are in fact in dispute. XXXX partial account number XXXX ; XXXX partial account number XXXX ; XXXX partial account number XXXX ; XXXX partial account number XXXX ; and XXXX XXXX partial account number XXXX. ( Please see attached. ) All of the collection accounts listed above are reporting account not disputed on my credit report. I have requested multiple times that these accounts be investigated and put in dispute. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are in dispute.
Consumer complaint received 2020-06-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  ; XXXX  and Transunion are not researching and properly reporting that the following accounts are in fact in dispute. XXXX partial account number XXXX ; XXXX partial account number XXXX ; XXXX partial account number XXXX ; XXXX partial account number XXXX ; and XXXX XXXX partial account number XXXX. ( Please see attached. ) All of the collection accounts listed above are reporting account not disputed on my credit report. I have requested multiple times that these accounts be investigated and put in dispute. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are in dispute.
Consumer complaint received 2023-03-28
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)

This is my 1st 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 have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove/delete the following items listed below : 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, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$110.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$610.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$79.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/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
Consumer complaint received 2023-03-28
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. (WA)

This is my XXXX  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 have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-07
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

XXXX XXXX XXXX XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION SYNCB/CARECR XXXX To whom this may concern, My credit card was recently closed after I recently was asked to make a big payment to higher my limit, as my family is in need of medicine after hearing we have received XXXX. On XX/XX/XXXX, I spoke with a representative that advised if I make a big payment to lower my balances, I could ask for an increase. Because of XXXX and work, I had called in to say I will need a month assistance to catch up on payments. However, within two weeks I canceled the help and assistance and made a lump payment. Its been a stressful time for my family, as we have been in and out of work, school. Its even more stressful when you make arrangements with your bank. Give them your entire pay check, for them to close it during this crucial time. It is upsetting and embarrassing to deal with this especially when I wasnt advised on why they even closed it, even more embarrassing when I went to go pick up my meds and I was declined with NO notice. WHY ME? WHY NOW? I have no late reportings on my bureaus, and you choose to close me? There has to be another issue at hand? 

XXXX XXXX XXXX XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2023-03-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Mercedes Benz Financial Services (CA)

In XXXX I purchased a XXXX XXXX XXXX from XXXX Mercedes. In XX/XX/XXXX I decided to trade the car after an dispute with the company after getting the car serviced and then noticed parts on the car was switched or removed. The XXXX dealership denied taking parts, however, I know what features was on the car and what was not. Upon trading the car to XXXX dealership, i was informed that the Mercedes dealer owed money to me after the contract is closed, for service contracts purchased and not used the whole contract term. My complaint with Mercedes dealership started when the dealer initiated paperwork to reflect that I traded the car in XX/XX/XXXX, however, the car was traded in XXXX, on XX/XX/XXXX. If the date is not correct the amount will not be correct, therefore when I saw the error I contacted the companies in which I purchased the contracts from and requested the date is corrected. At this time I spoke to the GAP insurance company and the TIRE insurance company who both gave me a quote of the amount i should be refunded. The total amount between the two companies was over {$1700.00} dollars. Mercedes Dealership sent me a check for {$1300.00} and I have not cashed it because the amount is not correct. 

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Consumer complaint received 2022-01-03
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. (DC)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2023-03-28
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 (CA)

I am being charged for items and service never authorized by me. I never booked a hotel with XXXX. Wells Fargo is saying it was done online. Which I havent done business with XXXX. There was a couple of charges that I am being charged for that I did not do or even attempt to do I have been a victim of identity theft and have reached out to Wells Fargo several times and they keep denying my claim.
Consumer complaint received 2023-03-28
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)

I have repeatedly tried to have inaccurate information removed from my credit file. XXXX XXXX XXXX has repeatedly ignored my dispute of information being furnished to Equifax, XXXX, and XXXX. The three credit reporting agencies have all continued to report information that is inaccurate. The first dispute of inaccurate information was filled on XX/XX/2022. I received no response. I resubmitted in XXXX of XXXX, but still got no response. I don't know what else to do besides ask for CFPB to help resolve this matter.
Consumer complaint received 2020-12-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (NY)

on XX/XX/XXXX at approx. XXXX, I sold my cryptocurrency stock after being up all evening watching the increase in this one crypto currency XXXX. I sold the stock when it hit XXXX cents. their computer system went down and was not operational for several hours - the next day. 
I thought I had it sold as it said confirmed before crashing. the next day, my account showed XXXX balance - like all my money was gone. I made several complaints to the company. after 2 days of not seeing my money in the account, it miraculously appeared showing a loss of several thousands of dollars. 
I made the sale and transfer prior to their computer crashing. they have not honored this and my account was not made available for two whole days after this event. 

I would like your company to investigate. this happened to thousands of other people. I am not alone in this. 
I demand from the company that they refund my account in the positive at the time of sale of XXXX cents before their computer system crashed. 
everything is documented. Please investigate into COINBASE. 
My account is my email XXXX. should you have any questions, please don't hesitate to contact me via cell XXXX or email. 

I am only asking what is rightfully mine and coinbase should not get away with stealing money from me or thousands of others due to their computer failure. I sold my shares at XXXX cents each.
Consumer complaint received 2022-04-27
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. (GA)

I believe the reporting credit bureaus are in violation Equifax XXXX And XXXX XXXX stated I have a verified bankruptcy on file, The US Bankruptcy Court States they do not report to reporting agencies : -XXXX XXXX Bankruptcy Case Number : XXXX This Is A Violation In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 the reporting agencies has violated my rights 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 1681 b
Consumer complaint received 2020-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (GA)

Hello, I have an issue with a Chase credit card. One of my oldest credit card account in the credit history has been closed. I made the last payment on that credit card in XX/XX/2019 and last transaction was in XX/XX/2019. I, then travelled to XXXX to take care of family for a few months but got stuck here because of the pandemic. I was supposed to come back in XXXX, but the government of XXXX imposed a nation-wide lockdown in mid XXXX for about 3 and a half months, followed by some strict international travel restrictions. I was just able to come back in XXXX. As I was out of the country, I didn't use a lot of credit cards. For security reasons, I like to use local currency cash while traveling internationally. Apparently Chase closed my account, because it was inactive. However, my other credit cards were inactive as well, but they were not closed. I tried talking to Chase credit card department but was told that there is nothing that they could do and it can not be reopened. My credit card was inactive for less than a year, for about 9-10 months, I do not think they should close the account. Also, my credit scored has dropped, because this was oldest credit account on file and had a decent amount of credit limit. I am trying to buy a house and all this factors could play a huge role in my mortgage and interest rates. Please look into this matter and I would like to get that account reopened. 

Thank you.
Consumer complaint received 2020-08-12
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (NV)

I was contacted on XXXX by I Q International. When I spoke with the rep he was very verbally abusive. He stated that I need to pay the amount in full and that they do not accept any type of payment arrangements. I told im i did not have the XXXX he then stated why was I calling him and wasting their time. However, I did not call them. He then stated they were going to negatively affect my credit. I decided to take a moment to calm down and call back on XXXX. When I got a rep on a phone I stated what happened the day before and that I had questions. He stated they do but they do not make payment arrangements. He advised me first I need to apply for a loan from a third party to pay them in full. He stated I need to do this with a co-signer because of my credit was bad. I personally do not think this was any of his business to ask me that kind of information. He then went on to state that if I was denied I need to send them that information and then they will talk about payment arrangements. I have never heard of a company that collects debt dealing the way they are and find it not right as well as abusive and intrusive to personal business that they should not be asking. They have degraded me and made me feel as if im am being bullied in to applying for a loan I know I can not get or a loan that is going to cost me well over what my normal debt is. I asked if they will provide any paper work stating I am making payments as i already know i will not be able to get as I do not have a co-signer or the credit score to  obtain such a loan. He then stated that they do not give any type of paper stating I am paying so I can try and get another apartment and show I am working to pay that debt off. I'm not sure if this is a legit way of doing business with people or if this is a complete scam. My next move is to open a lawsuit since I can not even get the correct information or any type of document showing im paying or what they are saying is true. Its not okay to treat people in this way when they are trying to pay.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (NJ)

I am writing to bring to your attention a violation of the Fair Credit Reporting Act ( FCRA ). Despite my request to close my credit card account, it appears that the account has not been closed and is still active. This is a serious violation of my rights under the FCRA and I expect immediate action to be taken to rectify this situation. 

This account has been closed since XXXX, I have prof of closing my account via text message through Goldman Sachs VIA APPLE. Not only have they violated a law but they have been illegal effecting my credit report and causing major damages to impact my score by causing this huge mistake! This should not have happened and is completely unacceptable. I know my rights as a consumer and this is just unjust.
Consumer complaint received 2023-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (GA)

On XX/XX/XXXX XXXX XXXX I utilized the free, online platform, XXXX, to arrange for cleaning services for my home. I booked the appointment on the website and when the contractors completed their work, I submitted an online payment of {$240.00} to the XXXX online payment portal. As soon as I did this, the contractors informed me they do NOT accept payments via XXXX and that all payments would need to be received directly. So, I paid the contractors directly, and they informed me I needed to cancel the previously submitted payment to XXXX. On XX/XX/XXXX I opened an American Express dispute claim to request them to have the merchant refund me the payment I'd submitted for the cleaning services. 

Although I provided evidence that I made a duplicate payment for the same service, American Express is NOT closing the claim in my favor. Here we are almost 120 days later, and my dispute with American Express is still pending and I have not received any refund for this duplicate payment. I provided American Express with RECEIPTS of me paying the contractors directly. I also provided evidence that the contractors NEVER received a payout from XXXX for the services they performed for me. The contractors even tried to call XXXX to inform them that I paid for my services directly, but American Express is refusing to chargeback the {$240.00} duplicate payment back to me.
Consumer complaint received 2020-12-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NV)

I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( XXXX, XXXX  and Equifax ) on/around XX/XX/2020 and a second request was sent via certified mail on XX/XX/2020. 
In my letter sent and received by XXXX, XXXX  and Equifax I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been over 4 months from my first written request and more than 3 months since my second written request and I still have not received any responses.
Consumer complaint received 2023-03-28
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. (TX)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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