davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-19
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. (MI)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-12-23
Product: Credit 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: CITIBANK, N.A. (CA)

I was charged on XX/XX/2023 for {$1500.00} from XXXX XXXX XXXX XXXX XXXX which was in error as it was unauthorized and I did not obtain insurance from them. 

I contacted Citi Cards over and over and opened a dispute. They say that I accepted the charge and closed the dispute which never happened. 

XXXX XXXX XXXX XXXX XXXX acknowledges that they owe me the money and that it will be credited back to my account. This has not happened.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX 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 2024-07-19
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. (NJ)

I am writing to delete the following information in 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. 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-07-01
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. (CT)

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX  XXXX ), you may be liable for your willful non-compliance.
Consumer complaint received 2024-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (IL)

Hello, I previously held the Citi/AAdvantage Platinum Select World Elite Mastercard , which I closed in XX/XX/XXXX due to unsatisfactory handling of my concerns. 

While I had the card, I purchased a XXXX laptop and several XXXX XXXX in XX/XX/XXXX and XXXX. The card offers an extended warranty in addition to the manufacturer 's warranty. 

In XX/XX/XXXX, I called Citi to file claims. After spending over 50 minutes on the call, the agent informed me they couldn't locate my account to open a claim and that a case would need to be opened for a specialist to review. Citi is yet to open a claim. 

Most recently, I contacted Citi Benefits on XX/XX/XXXX, in regards to filing the claim. I was told that no one was available to assist me, but someone would call me back on Monday, XX/XX/XXXX. I am yet to receive that call.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

this debt collector engaged n abusive, deceptive and unfair practices of the FDCPA which it prohibits they furnished this account that we didnt agree upon and i didnt sign any agreement on. a legal contract is signed by two parties and i did not participate in any of it. more so they didnt follow the proper 5 step validation procedure which make this unfair practices. according to the FDCPA im entitled to XXXX dollars per violation and clearly they violated my rights. 

Account Name : XXXX - XXXX Inquiry - that do not belong to me Ive never applied. 
XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-22
Product: Credit 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: U.S. BANCORP (MD)

My Fidelity Investment credit card was compromised twice in the last two months. I have opened fraud investigations and I spent more than an hour on the phone with a representative and at the end of the call, I asked the representative how much I had to pay this month and was told that I did not have to pay anything because I had all these wacky charges on my card and I had already paid during this billing cycle. Several days later, I was charged interested and late fees on my card balance. 

1 ) I ask that the company remove the interest and late fees.

2 ) Help me sort out how much I owe on this card as I simply can not figure it out. Too many items are in dispute status, and some are not, and I can not figure out the calculations. 
3 ) Work out some interesting/penalty free way to finish all the disputes and get the credit card balance to XXXX. -- I can't figure out what is going on because there are thousands of dollars of fraudulent charges on this card.
Consumer complaint received 2023-12-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (KS)

My initial student loan was due XX/XX/23 for {$330.00}. I made payment online, with my correct banking information, and received a confirmation email from Nelnet of payment received. There has been no payment applied, and now Nelnet is telling me my payment is more than 15 days late and I have an outstanding balance of double my initial payment. They are impossible to get in touch with ( hours and hours waiting on hold via phone, including today XX/XX/23 ; completely ignoring any emails ( sent XX/XX/23 asking for clarification/help ) ; even social media is useless ). Is there any way to move to a different servicer? Great Lakes had none of these issues. Nelnet has been nothing but impossible to deal with. Just incredibly frustrating and now it's starting to impact me financially and emotionally.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (IN)

According to 15 U.S. Code 1681n - Civil liability for willful noncompliance which states : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

According to my reports on XXXX, XXXX and XXXX, they were all in violation of these terms.
Consumer complaint received 2023-10-03
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. (NC)

My experian account has been compromised despite me having a freeze and pin on my account. Experian 's technology is compromised and hackers are able to steal accounts without any passwords or pins. How is this legal and no concern on their end and they suffer no repercussions? I need access to my account in order to open a specific line of credit I need. I am no longer able to log on or have any access to my account. I tried contacting Experian 50+ times via 4 different phone numbers and their automated service hangs up on you and does not recognize me since the hackers changed my information. I am baffled how this is possible and they need to do something about it.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

I was reviewing my credit report and I see some accounts that are not mine. I have disputed this information and you have said that these account have been verified with improper documentation. I have filed an ftc identity theft report as these accounts are not mine nor did I give permission for these businesses to have my private personal information. I did not receive any goods or services from these companies and I demand that these accounts be removed or I will have to pursue legal action against your company.
Consumer complaint received 2024-10-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Inc. (CA)

I work XXXX an just opened an account with Wave, to process my client 's payments. One of my clients paid me {$5100.00} for work I completed two moths ago.

After receiving a bank transfer from my client, an ad agency, my money was frozen by Wave and I have been unable to access the money I was paid for completed work for the last 14 days. 

I have been given NO REASON why my account was flagged. 

I provided all documents requested, but have received NO UPDATE regarding when I can expect to have the issue resolved. 

I have been provided NO TIMELINE for when I could reasonably expect to access my money that I was paid for work I already completed. 

A cursory XXXX search shows this has recently become a problem for many with new accounts. 

It is obvious Wave is holding client money that has already been cleared in their Wave run bank accounts for extended periods, thus generating a profit for Wave from the interest accrued by client money they are illegally holding. 

Wave doesn't provide any information to user whose money they're holding XXXX. 

Wave also doesn't have any way to contact an actual person. Nobody responds to email, and now " chat '' a feature I pay for is being blocked so I can't chat with customer service. 

Thousands of dollars that belong to me are being held, and Wave refuses to update me about the situation, and I can not contact them. 

This is directly affecting my business and my livelihood. This company is obviously engaging in questionable, possibly illegal, definitely unethical behavior.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CT)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

I was reviewing my credit report and noticed some inaccurate information on my credit report. When I disputed with your company you said it was validated with false/inaccurate documentation. I have filed an ftc identity theft report. I demand that these accounts be removed or else I will have to pursue legal action against your company as these need to be removed immediately.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2023-12-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (MI)

I previously had a discover card, in good standing. Circumstances raised that required me to close the account, however the account was paid off, no balance. I recently applied for a new discover and was denied for the card. Unclear I called and left with more questions than answers. I was told by the first agent that my app was denied because the account was included in bankruptcy. I explained that the card was a t XXXX balance so it is not possible that it was included because there was nothing to include. I have yet to get a resolve.
Consumer complaint received 2024-07-01
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. (AL)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2023-12-19
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: FISERV INC. (CA)

I never received my middle class payment from the XXXX XXXX XXXX. 
i reached out to the XXXX and they said i had to speak directly with the company that was issuing the payments on their behalf. 
I reached out to Money Network and they explained that the card had been mailed to me and that the balance was XXXX. 
i explained that i never received it. 
They said they would look into it. They said they will not reach out to me, but that i had to reach back out to them in 6-8 weeks. 
i just tried to contact them and can not speak to a person unless i have a card number to enter into their system. 
i can't do that as i never received the card. 
i did receive a 1099 from the XXXX stating that the money was sent to me. 
I NEVER RECEIVED IT!! 
i am reading about a lot of fraud with these cards,. 
Please help me. The amount was {$700.00}
Consumer complaint received 2023-12-18
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: BARCLAYS BANK DELAWARE (NY)

On XX/XX/2023 a hard credit check was done by XXXX followed by a charge and balance amount of {$3400.00}. Called XXXX on XX/XX/XXXX was told they were reporting identity theft and would be sending out a claim information letter. 

On XX/XX/2023 a hard credit check was done by Barclays Bank of Delaware, at XXXX XXXX received an email with receipt of a charge for {$200.00}, at XXXX XXXX received a from Barclays Bank to verify if I was opening this account and replied no. 

I put a freeze on all XXXX of the credit reporting agencies
Consumer complaint received 2024-07-01
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. (NY)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE this fraudulent information from my credit report.
Consumer complaint received 2023-12-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY (TX)

Subject : Continuing Issues with Bill Payments- Formal Complaint Dear Wells Fargo Customer Service, I am writing to express my frustration and dissatisfaction with the handling of my bill payments by Wells Fargo. Despite multiple attempts to address and rectify the payment issues, the situation remains unresolved, and I find the management of these matters to be chaotic. 

I have made repeated efforts to contact Wells Fargo regarding the difficulties I am facing with bill payments. Unfortunately, these attempts have not yielded a satisfactory resolution, leading me to escalate the matter and file a formal complaint. 

I trust that Wells Fargo will thoroughly investigate the issues Ive raised and take appropriate actions to rectify the ongoing problems with my bill payments. Your prompt attention to this matter is crucial to maintaining a positive customer relationship. 

Sincerely, XXXX