davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (OK)

XXXX - online credit card merchant - I charged my military customers card on XXXX {$3900.00} for the purchase of aircraft parts. At XXXX on XXXX I received an email notice that Square needed me to log in to account and answer questions and submit supporting records to validate this as a legitimate charge. I answered all questions, provided them a copy of the signed credit card authorization form, a copy of our invoice to the customer. Upon completion of this process- it confirmed that I would receive an e-mail response with in 2 days. On XXXX, with no response received, I called to get resolution as this is holding up the release of my customers part. I was told it was still in review ... and they could not confirm the exact reason why my the payment was being withheld from being transferred to me. I insisted they send an email placing their response in writing as to what the problem is so I could report it back to my customer ... .as we both assumed it was a problem with my customers card. Squares email response was very vague and made only " suggestions '' as to the possible delay is dispute response. In the meantime, they are sitting on the {$3900.00} with no timeline for transferring the funds. My customer was going to wire the funds due to the delay in payment/shipment of parts- but after discovering Square charged their card and has yet to refund the money... .they are refusing to wire money and consider it paid. This has put me in a very difficult position with my customer- as of XXXX have yet to receive any communication from Square as to a resolution. If they are disputing the charge... why are they not refunding the charge back to my customer? Why are they holding my customers money hostage - while they are questioning the legitimacy of the charge? Why am I am having for painfully extract answers from them ... .and all answers continue to be vague answers?
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

recently I did an investigation on my credit report and found several items on there to be inaccurate. 
under 15 U.S Code1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
U.S Code1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation, and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
please remove the following items from my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-09
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. (TX)

My account with XXXX XXXX XXXXXXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX, XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 
I demand the late payment reported in months that are reported late to be removed. 
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
XXXX XXXX  XXXX, XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 
I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently viewed my credit report and noticed that The current personal information being furnished is inaccurate, not relevant and out dated information. I am requesting that you update/correct my personal information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
NAME : Please update the name to XXXX XXXX ADDRESS : Please update the address to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX Please delete all other addresses, as they are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA, since they are inaccurate. I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

I do not wish to have any telephone numbers on my report.

Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), 1 am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete. I have attached documents to verify my identity and proof of address.

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-07-09
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. (FL)

Despite making this attempts to resolve this issue, the inaccuracies persist, causing significant harm to my credit standing. Despite these efforts, the errors remain unresolved. The lack of correction and communication from your company is both frustrating and unacceptable. The continued presence of these inaccuracies is impacting my financial stability and causing undue stress. I am now seeking the intervention of you to assist in rectifying this issue. I expect an immediate corrections and to receive a response within exact timeframe from the date of this letter. If this matter remains unresolved, I will have no choice but to formally file a complaint and consider further legal actions to protect my rights. Please help me correct 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
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TN)

I previous wrote all three credit bureaus asking that bankruptcy be removed from my credit report I also wrote XXXX XXXX XXXX court asking do they report to the credit bureau they sent me back a letter stating that they do not report to the credit bureau. Under the FCRA act law this is a violation Im asking for it to be removed immediately
Consumer complaint received 2023-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

There were multiple fraudulent charges on my account. 2 of them were rejected by the bank but one transaction that was not performed by me was authorized. 

on XX/XX/2023 I received texts from wells Fargo that there was suspicious transactions of XXXX which was rejected and XXXX which was processed. 

There was another one from XXXX XXXX  but I no longer have that amount as I had already called wells Fargo for them to take action but that one was rejected. 

They denied my claim on the XXXX transaction at XXXX XXXX XXXX store. I showed them GPS movement of my location on the XXXX when I received the texts and the XXXX which they indicated when the transaction was made or when it was completed. My location indicated I was not in the area of that store. 

Also, they supposedly sent a replacement ATM Debit card for my expired card which I never received. I received a notification on XX/XX/2023 that the replacement card shipped but I never received it.
Consumer complaint received 2017-05-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (LA)

My mortgage was sold to Nationstar Mortgage  Servicing  2 months ago. Today I received a phone call from  XXXX . I was told it was Nationstar Mortgage and I was on a recorded lone. I was told it was a mortgage check up and I needed to verify my mortgage information. I asked " Is this a sales call '' the answer was " NO ''. the person told me to hold while he got a mortgage person on the line. When he returned to the call I asked why the call was coming from a  XXXX   XXXX  number and where he was located. He said  XXXX , Tx and he thought it was because it was an internet phone. He transferred me to  XXXX   XXXX   NMLS  ID  XXXX  who immediately went into sales mode. I stopped him asking him if it was a sales call or a mortgage check up verifying information. he said it was sales. I lectured him for a few minutes about them as my servicer can not " spoof '' a phone number and they can not deceive / lye about the purpose of their call. He defended it briefly then he said he would place me on a do not call do not send US mail list. I asked for his supervisor after he made excuses for the "  XXXX  '' phone number. He transferred me to  XXXX   XXXX  NMLS ID  XXXX .  XXXX  also defended the "  XXXX  '' area code number saying " if the guy is in  XXXX  he can not use his phone number ''. I  XXXX  the phone number it does not come up as ANYTHING remotely close to Nationstar.  XXXX  went on o say they had recently acquired a mult i billion d ollar portfolio of mortgages. I said then chances are Nationstar is breaking the law hundreds of times each day with they " verify mortgage info calls ''. I told him that several laws were being broken and I would be filing a complaint.
Consumer complaint received 2024-07-09
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. (CA)

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my account. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. This discrepancy is due to an error and seek your immediate intervention to rectify it. Moreover, other credit bureaus have already corrected the status of the account stated above .Also, I contact the bank thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my account and take the necessary steps to correct or remove this information from my credit report. 


XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I was shocked this morning to find inaccurate accounts suddenly appearing on my credit report. I usually check my report regularly, but this time, there were unexpected discrepancies. I even refreshed my browser, hoping it was just a glitch, but the inaccuracies remained. Given this issue, I am requesting that the documents I've provided be thoroughly reviewed so I can stop worrying about this.
Consumer complaint received 2023-02-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: YSA ARM LLC DBA Oxygen XL (FL)

Oxygen XL debt collector y trying to collect a debt that I supposedly owe to XXXX XXXX XXXX XXXX. 
I parked In XXXX XXXX XXXX. On XXXX  the pay booth was not functional, it was off..therefore I went half a block down to the next pay booth and purchased my parking at XXXXXXXX  and paid until XXXX XXXX 
When i returned to my vehicle i had a parking ticket that was given on XX/XX/ at XXXX for {$45.00}. 
I sent the company proof of receipts and they tell me that the parking charge was legally issued and that I had XXXX days to pay or request an appeal..told me that I paid in a booth that belongs to another parking company? ..when it is the same XXXX XXXX XXXX XXXX.. I requested an appeal and again was denied..supposed to pay {$85.00} now.. was contacted by Oxygen XL debt collector and I again disputed the charges and sent them my receipts.. again was told that I needed to pay but were willing to settled for like {$52.00} or something like that, which I of course refuse to pay .. now I'm threatened to ruin my credit and boot or tow my vehicle. This is fraud and there are hundreds if not thousands of complains against this company taking advantage of customers..How can the state allow this to happen? Where are my rights? I am XXXX XXXX XXXXXXXX veteran too..have some respect.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NC)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-08-16
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. (FL)

I was genuinely shocked this morning to find inaccurate accounts on my credit report, and I have no idea why this has happened. I checked my credit report like I usually do, but this time there were discrepancies that just didnt make sense. I even refreshed my browser, hoping it was some kind of error, but the inaccuracies were still there. This situation has me really stressed, and Im asking that the documents Ive submitted be thoroughly reviewed so I can stop worrying about this issue.
Consumer complaint received 2024-08-06
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. (PA)

After reviewing my XXXX reports, I noticed that some payments on an account, which I have always paid on time, are listed as late. Accurate reporting by consumer agencies is essential, and I need this information to be precise. I have never missed a payment on the following account : [ XXXX XXXX XXXX ], [ Account XXXX : XXXX ]. I request a thorough investigation into these discrepancies and ask that you provide evidence, such as statements, showing these payments were late. If you can not provide such proof, please promptly update the records to reflect the payments as on-time, as I have consistently met my payment obligations.
Consumer complaint received 2023-10-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (CO)

On XX/XX/23 I received from my Bank credit report ( XXXX XXXX ) that there was a hard impact on my credit because I applied for a Credit Card at Chase. I received in the middle of the night emails from Chase. The first email thanking me for applying for a credit card, a second email letting me know that my Chase online contact was changed, a third email welcoming to credit journey and a fourth email welcoming to identity monitoring. 
I have never had a credit card or an account at Chase nor applied at Chase Bank for anything. 
The same day I reached out to XXXX XXXX to be sure that it was a legitimate email from them, they confirmed it was legitimate and that I should contact Chase. I reached out to Chase Bank and they immediately transferred me to their fraud department and cancel the application. They said they will investigate the situation. Once they have an answer they will send me a letter with the results. Chase also told me that they will reach out to all three credit bureaus so my credit score will not be impacted.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Tonight, I noticed unauthorized inquiries on my credit report, and Im puzzled as to why theyve appeared. I was doing my regular check on my credit report, but this time, there were unexpected discrepancies. I refreshed my browser, hoping it was a mistake, but the inquiries didnt go away. This situation has left me very frustrated, and Im requesting a thorough review of the documents Ive provided so I can finally have peace of mind.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.
Consumer complaint received 2024-08-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

In XXXX, I noticed that Citizens Bank had charged me double for transactions that I had already paid for. On [ specific date in XXXX, unknown ], I contacted the bank 's customer service. The original representative confirmed that the charges on my statement were incorrect and advised me to check back later for the payment to clear. She mentioned that it could take some time since I made two payments in the same month, with one payment in the middle of the month. 

Following her advice, I checked again after a few days, but nothing had changed. On [ XXXX, XXXX ], I contacted customer service again and spoke with two different representatives. Instead of resolving the issue, they argued with me about the charges. Despite my attempts to explain the situation and the previous representatives confirmation, they were unhelpful and dismissive.

I was on hold with the fraud department for over an hour, on top of multiple frustrating calls with other agents. This prolonged hold time and the unprofessional behavior of the representatives have caused significant frustration.