davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-01
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. (NC)

I recently checked my updated personal credit report and I noticed that there are unauthorized inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that CREDIT BUREAUS initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unathorized inquiries as soon as possible : XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX, XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2024-06-12
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: CITIBANK, N.A. (NC)

Violation of FCRA by Citi Bank for Reporting Inaccurate Information Credit Reporting Agencies Involved : XXXX XXXX XXXX Account Information : Account Name : CITICARDS CBNA Account Number : XXXX Type of Account : Secured Revolving Credit Card Complaint Description : I am writing to file a formal complaint against Citi Bank for violations of the Fair Credit Reporting Act ( FCRA ) due to the continuous reporting of inaccurate information to the credit bureaus, despite numerous attempts to correct these inaccuracies through disputes. 

Details of Violations : Inaccurate Reporting : Citi Bank continues to report inconsistent and incorrect information about my secured credit card account across XXXX, XXXX, and XXXX. Despite the secured nature of this account, indicating that no money is owed, Citi Bank reports a balance and past due amounts. 
The reported high balances and past due statuses vary significantly between the credit reporting agencies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute Attempts : I have filed multiple disputes with all three credit reporting agencies to correct these inaccuracies. Despite these efforts, Citi Bank continues to report incorrect information, in violation of the FCRA 's requirements for accuracy and timely correction of disputed information. 
Statute of Limitations : The account in question is past the statute of limitations for debt collection in North Carolina, which is three years. The last reported activity on this account was on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (NV)

On XXXX XX/XX/2024, I did a wire transfer of USD XXXX into my Wise account from my XXXX XXXX XXXXXXXX Checking account This wire transfer is to allow me to remit money in XXXX XXXX to my Uncle in XXXX to facilitate his home buying. 
I initiated XXXX transactions in Wise - one for USD XXXX and another for USD XXXX Wise transferred USD XXXX successfully to my uncle and dropped me a note that they will initiate a process to refund USD XXXX and asked me to input my account information Initially, i had a typo in my account information and the money was returned to Wise. They have not provided any details on the transfer or what went wrong, etc. I had to call the to figure out what is going on at their end. 
I corrected the account information and asked them to resubmit the refund several times since then. Every single time, the money keeps getting returned Since then I have called their customer service dept several times, spoke with several folks in their team - some of them are plain rude and dont understand the gravity of situation and flat out hung up. I have also provided all documents requested to the best of my ability and availability. I even sent detailed emails explaining them the issue, expected resolutions, etc. 
They failed to resolve, escalate or involve appropriate teams or personnel even through they keep telling me that they have escalated the issue Their process is very obscure to the fact that the customer doesnt have an idea of what is going on in the backend. 
It is close to 18 days since the transaction has happened and there seems to be no line of sight into when Wise will be resolving my issue. 
It is really frustrating experience. The money was supposed to be helping my uncle with his home purchase and now we are scrambling last minute to find other avenues. 
I sincerely request you to take Wise to task and establish accountability with their team and organization. 
I would appreciate if their team is forthcoming with their processes, issues, etc.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (CT)

I paid my credit balance of {$31.00} in XXXX of XXXX my payment was kicked back due to Webster bank changing routing number and didn't tell me until XXXX of XXXX when I repeated was putting payments in for {$31.00} so my card wouldn't show a balance. Paid again XX/XX/XXXX with new routing number and its still showing on my credit report.
Consumer complaint received 2024-06-12
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (MN)

On XX/XX/XXXX the debt collector ( Hunter Warfield ) had sent us a letter with the claim that we had owed a debt that was falsely and illegally given. We had ended a lease due to a stalking and break-in that happened to the property. 

On XX/XX/XXXX I had sent a letter to the debt collection agency after not getting information for a address we could send this to. I had to pull up their Address online. 

In XX/XX/XXXX, I had a hard hit on my credit score due to this debt not being paid off. We then received another letter from Hunter Warfield in regard to paying this debt then. I was very unhappy about this and was looking for lawyers to represent us after contacting us after out letter.

In XX/XX/XXXX, I had taken another hit with my credit because of them. 

On XX/XX/XXXX They had sent another email claiming we still owed the debt, but saying that they have a deal this month to pay it off for 20 % off.
Consumer complaint received 2024-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (AL)

I went to an ATM to withdraw funds and I requested {$200.00}. The ATM did not disperse the funds but the amount was deducted from my account. The ATM printed a receipt that stated my request for {$200.00} and {$0.00} was disbursed. The receipt also states to dispute the transaction with my card provider which is CHIME. I also called the ATM vendor and they stated the same thing to call and dispute the charge. I called Chime the day it happened while still in the store which was on XX/XX/XXXX and they said I had to wait to dispute the transaction until it settled. It settled the next day and I called and disputed the charge on XX/XX/year> and i was hung up on 4 times during the process. Today is the XXXX and it says the dispute was denied even though I provided them with the receipt that shows I did not receive any cash. I have requested documentation about why the dispute was denied and I was hung up on again.
Consumer complaint received 2023-07-10
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. (NY)

While trying to unfreeze a TransUnion credit freeze I have placed on my account. It stated that my email address and password were not correct although stored in the memory of my XXXX I checked with the lender. The freeze is still in place, which is good, but I cant get a hold of anybody to resolve my login attempts so I can reset my password and control my credit, freeze and unfreeze
Consumer complaint received 2024-09-11
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)

I have sent dispute letters to XXXX, XXXX, and Transunion 5 different times. I have not recieved any results from them. I have attached my 3 bureau report showing all of the errors in the account. Please help me resolve this matter.
Consumer complaint received 2023-07-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (GA)

I spoke with someone at this company on last XXXX regarding false information being reported from their agency. I informed the representative that I never had a contract with them and I don't understand how they can be reporting to ruin my credit report. The representative informed me that I should paid then they won't have to report. I informed representatives that I will not be paying anything due to the fact that I do not have a contract with them.
Consumer complaint received 2024-06-12
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. (NY)

This is a follow up to prior complaint XXXX that was closed because the credit card company responded to your inquiry. The credit card company said it would take XXXX days to complete their investigation, but they keep extending their deadline and have now told us that the next update will come on XX/XX/XXXX, which is XXXX  months past the date of when we filed the disputes ( XXXX in total, all paid to the same vendor ). When we try and call them to discuss the disputes, no one is willing to help us, or explain to us what is happing.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2021-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I have tried to no avail to resolve inaccuracies on my Experian credit report. There are duplicate accounts that they refuse to thoroughly investigate after numerous disputes, there is an account from XXXX XXXX that shows a late payment, and the account was refinanced through XXXX XXXX XXXX XXXX before a payment was even owed. There are accounts that were disputed with XXXX XXXX and removed, and Experian refuses to properly handle them. I received over 24 notifications from Experian in a 30-day time frame, on results of disputes that are were not even updated, in fact, they have lowered my credit score for trying to resolve these issues. I have a XXXX  job, that requires me to maintain my credit, and in the process of trying to purchase a home, this issue is interfering with my livelihood and chances at obtaining a fair home loan. I need assistance please.
Consumer complaint received 2024-06-12
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Starmark Financial LLC (KS)

I was called at my place of employment and I returned a call on XX/XX/XXXX. XXXXXXXX XXXX XXXX. Verbally requesting that they no longer call my place of employment. I then received another call at my employment on XX/XX/year> from the same individual at XXXXXXXX XXXX.
Consumer complaint received 2023-06-02
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: Advanced Resolution Services Inc. (PR)

This agency XXXX is not reporting accurate information. According to [ XXXX XXXX XXXX ] ( b ), 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 to whom the report relates. 
They are in violation of the FCRA, [ XXXX XXXX XXXX ] ( a ) ( XXXX ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. 
My rights were violated, especially my right to privacy, according to [ XXXX XXXX XXXX ] ( a ) ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.
Consumer complaint received 2024-09-11
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. (SC)

The following companies XXXX, XXXX XXXX, XXXX XXXX, and XXXX have placed accounts on my credit report without first giving me the opportunity to challenge the debt. Also, these collections are reporting as " open '' or " closed '' and should be immediately deleted pursuant to 15 USC code 1681S-2 & 1692G. I have disputed the accounts mentioned with all XXXX credit bureaus and they have reported that all accounts disputed have been verified for accuracy. However, the credit bureaus did not provide the verification methods used within the 5 day timeframe. According to FCRA section 605b it is illegal to report information on my credit report without my permission. I will pursue all legal remedy pursuant to 15 USC 1681n ( Civil Liability for Willful Noncompliance ). I am requesting that all collection accounts be immediately removed from my consumer credit report and an updated copy of my report mailed. 

XXXX - Acct # XXXX XXXX  XXXX - Acct # XXXX XXXX XXXX - XXXX - Acct # XXXX
Consumer complaint received 2024-06-12
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: CITIBANK, N.A. (MI)

On XX/XX/year> purchased XXXX XXXX XXXX XXXX XXXX clerk urged me to get {$50.00} off by opening new credit card. I was led to customer service counter. Presented my current drivers license. The clerk was multi tasking with phone and other customers during transaction. He used his computer said sign here I signed and went to complete sale at cash register. I waited for bill as expected it did not come. But on XX/XX/year> I received a letter saying there was undeliverable items. I called Home Depot about it the woman said card was returned. Never mentioning the address was XXXX of XXXX years ago. How did I receive this letter but not the bill or credit card. I assumed she fixed the problem she cancelled the card she said At time I had another Home Depot card I was paying off and I fact did a few months later I assumed the amount was transferred to this account. When applying for a home loan last year I discovered there was a delinquency on my account. 
After numerous phone calls to city bank and XXXX XXXX and the credit collector it took me figuring out that the clerk opening the card had put my XXXX XXXX XXXX address on the account opened in XX/XX/year>. 
All the correspondence had been going there the amount owed was not transferred to the other card. I never received the bill due yo wrong address. 
I have appealed to XXXX XXXX numerous times. 
I have settled with collector for much more than the original purchase would have been had i not accepted the promotion. 
How could I get a letter addressed to my XXXX address stating they had returned mail. Yet they did not notice the billing of that card was an old XXXX address. 
Even the XXXX had the old address in XXXX 
I would like my credit report delinquency on this issue removed. It was their clerks fault he picked up my wrong address I called did all the right things. But they never caught it. 
Until I figured this out. 
If you look at my credit report you will see I have no other delinquencies and have far more items paid than the small sum that was charged. I pay my bills. Someone please put XXXX and XXXX together and see this was a clerk error. A customer service error when I proactively called in XX/XX/year>. I have the letter received still from XXXX. They had my proper address on the notice of return mail. But neglected to see the new account was opened with my XXXX XXXXddress of XXXX  years ago. Hence all correspondence was still going there. 
Thank you.
Consumer complaint received 2023-06-02
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: LEXISNEXIS (PR)

Lexis nexis keeps violating my rights, they are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information they are reporting.

My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

I, therefore, request that they immediately delete the items specified above from my consumer file with their agency.
Consumer complaint received 2024-09-11
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. (SC)

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 2024-06-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (NH)

I was notified today ( XX/XX/XXXX ) by a third party credit monitoring service that my Synchrony Paypal XXXX is closed. I logged in Paypal immediately and I am still able to see my account and the cash back rewards of {$72.00}. But clicking on redeeming causes an error that says " We cant redeem your rewards right now. Please try again or call us at ( XXXX ) XXXX. ". I called the number, the first representative says I should be able to redeem the rewards since I accumulated them before the account was closed by Synchrony. Btw, this is before any official communication from Synchrony reached me. Supposely I will get a letter explaining why my account was closed. However, after consulting with a XXXX, the representative told me the cash back rewards are forfeited by Synchrony.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (SC)

XXXX XXXX has sold the alleged debt to XXXX XXXX XXXX. XXXX XXXX XXXX XXXX is still harassing, reporting and attempting to collect on this debt. This is violation of FCRA, and Privacy Act. However it is still showing on my report. The accounts ending in XXXX, XXXX, XXXX. This data is inaccurate and illegal.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions