davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-08
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. (TX)

I am reaching out to you urgently regarding the fraudulent account currently appearing on my credit report. Despite numerous efforts to correct this issue, I am dismayed to discover that these inaccurate entries continue to persist. It is evident that your organization has not taken the necessary steps to resolve my concerns. 
XXXX XXXX XXXX : {$5500.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$5400.00} XXXX xxxxxxxxxxxx XXXX Balance XXXX {$5300.00} XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX Balance : {$1400.00} ''
Consumer complaint received 2023-07-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. ()

I tried to bridge ETH direct from my Coinbase account to their Layer 2 product, Base, via the portal proxy contract. This was an error, since the bridging will deliver the ETH back to the exchange on Base, and there is a possibility the ETH would be lost and unrecoverable. I tried working out asset recovery with their support ; unfortunately, their support had no idea what I was talking about, even after directing them to their own user documents and explaining the issue very clear. Further, they called me XXXX XXXX XXXX which is not my name, and purported to deliver me a case number for reference, but didn't. I was then cut off from online chat support and told " email support '' would be in touch. That has not happened yet, and I am skeptical about receiving any sort of adequate support to attempt to resolve this issue ( understanding it may not even be resolvable ).
Consumer complaint received 2024-03-12
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Block, Inc. (CA)

On XX/XX/XXXX I placed an order on XXXX using the third party pay over time provider, AfterPay. Immediately after placing the order, I cancelled it. However, AfterPay had collected the first payment for the order. When I notified AfterPay that the order was canceled and provided them with correspondence from XXXX confirming the cancellation, they said it wasnt good enough. They said I needed to obtain a screenshot of my transactions showing orders in XXXX in order to prove it. So, I did exactly that and it showed no orders. Now theyre telling me they cant provide the refund until XXXX tells them the order is canceled and to issue a refund, despite proof from XXXX that there were no charges. That request is impossible for me to achieve, so they expect me to pay for an order and goods I WILL NEVER RECEIVE? Despite the XXXX separate and different written messages from XXXX confirming the order cancellation and that they did not charge for the order, AfterPay refuses to issue the refund of my first payment. I HAVE NEVER MISSED not XXXX XXXX of any purchase made with them, and this is their response.
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 — Information belongs to someone else
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 include it once more. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.
Consumer complaint received 2024-04-08
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. (PA)

It has come to my attention that despite my consistent attempts to resolve this issue, the fraudulent items remain unchanged on my credit file. These inaccuracies not only damage my creditworthiness but also pose a serious threat to my financial stability and reputation. 

Despite repeated efforts to dispute and remove these fraudulent items, they persist, causing significant distress and detriment to my financial well-being. 

I implore you to conduct a thorough investigation into the fraudulent items on my credit file and take immediate action to rectify this matter. It is imperative that these inaccuracies are promptly removed to restore the integrity of my credit history and prevent further harm to my financial standing. 

Furthermore, I demand compensation for the undue stress, time, and resources expended in attempting to resolve this issue over XXXX attempts. Your failure to address this matter adequately reflects poorly on your commitment to consumer rights and protection. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-08
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: Experian Information Solutions Inc. (FL)

Inaccurate late payments like this are preventing me from obtaining credit that I'm trying to apply for because it's lowering my credit score big time. I've already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can't be reported.I have fully investigated my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent, credit worthy individuals by reporting erroneous and inaccurate information. Under the Fair Credit Reporting Act, the following applies to me : FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher ( A ) In general. The XXXX banking agencies, the National Credit Union Administration, and the Commission shall jointly prescribe regulations that shall identify the circumstances under which a furnisher shall be required to re-investigate a dispute concerning the accuracy of information contained in a consumer report on the consumer, based on a direct request of a consumer. 
Please update to paid as agreed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-04-27
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. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have tried numerous times over the past five months to get a copy of my credit report from Transunion using their websites. Also, I have tried numerous times to submit disputes using their websites. Regardless of the web browser, when I go to submit a request for a credit report or to submit a dispute, the website will advance you to the next page but the next page doesn't provide any way to continue the request for the credit report or submitting the dispute. Furthermore, when I called them to request a copy of my credit report, the representative informed me that I had to mail in the request for my credit report. Also, I was informed that I had to mail in the payoff letter on one of my accounts in order to submit a credit dispute. In today 's electronic age, consumer 's should be able to take care of both of these items online. XXXX and XXXX offer credit reports and disputes online along with the ability to upload documents. Why doesn't Transunion offer these services online??? It seems to me that Transunion is forcing consumers to take outdated and arduous steps to see their credit reports and/or to submit disputes in hopes that they become discouraged and abandon the requests thus saving Transunion money and time by not having or meet the needs of the consumers.
Consumer complaint received 2024-04-08
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: Experian Information Solutions Inc. (FL)

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-27
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. (AZ)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to validate these items and it is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable items listed below : XXXXXXXX XXXX Date of inquiry : XXXX XXXX  Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: The Law Firm of Derek Williams, LLC d/b/a Infinite Law Group (OK)

In XXXX I signed up with a debt consolidation service Infinite Law Group. At some point they sold or transferred my account to Derek Williams Law Group. I realized in XXXX that I am paying too much for the services I have received. I have heard nothing from the in 6 months. I decided to cancel the service. I requested a refund of the monies I have paid in {$1800.00}. I got a breakdown of my account finding that none of the debts had been settled and the balance in my account is only {$200.00}. I cancelled and asked for a refund. I have been told that I do not warrant any additional refund. In further investigation, my contract states that I would be charged {$65.00} a month for the 10 months for a {$650.00} retainer fee that they have been collecting {$100.00} for. I have requested a log of what calls and letters have been sent to my creditors but am being told that they have to get approval by management as they usually don't give clients access to that. I want to know what has been done on my account to warranty the {$110.00}, {$49.00} and {$100.00} they have collected monthly out of the {$300.00} I have been paying into the account. It appears to me that they haven't been able to settle any of my accounts and won't be able to for a long time as there are little to no funds in the account to pay any of the debts even if they had been settled. Every time I have called them in the last 2 weeks, all I hear is but your contract ... yet they have been over charging me per my contract. I feel that they have been stealing money from my account. If I had not cancelled with them I would never have known that they were taking the additional {$35.00} a month out of my escrow account. If they are doing it to me how many other people are they doing this to? I was told by them that I was only eligible for a refund in the 1st 30 days. How would I have known in the 1sXXXX 30 days that no work would be done on my behalf. I feel that I have been ripped off by this law firm and have been advised to file a complaint
Consumer complaint received 2023-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NC)

The Chase Credit Card Company is running a scam! They overcharged me {$820.00} this month, and when I went to check my charges ( like I do every couple weeks ), I caught this. Last Monday I submitted a request to get this refunded back into my bank account, and they said I have to accept an email that will arrive in 48-72 hours... I set an alarm on my phone to check everyday, and after almost a week of not seeing anything, I checked one last time today, and sure enough they sent it at XXXX last night, with an expiration to accept the money by midnight TONIGHT or I wouldn't be refunded!!! This is an unacceptable solution to a mistake THEY made. If I didn't check my email between XXXX ( like they were probably hoping I would forget ), I wouldn't get my money back! I also spoke to a customer service representative today before checking my email one last time, and he said to just keep checking this week ( knowing that there's an expiration/time-limit to receiving this email )! This is WRONG. How many other people are they doing this to?
Consumer complaint received 2023-07-30
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

XXXX XXXX to XX/XX/2023 I was charged XXXX dollars on my master card, I did not make purchase, I live in XXXX purchase was made in XXXX. I called company they said they would investigate, they did not, I recieved letter that I was responsible. This made me so angry, I cancelled card. 
I realalize I should not have cancelled card, they sent me a new card, which I don't intend to use. I have had good credit and paid bill on time, never late, I do not appreciate being treated this way. XXXX dollars may not be much to others, but I am on a fixed income, that money can be used for other things. 
I hope you can help me, and don't want this to happen to anyone else.
Consumer complaint received 2023-04-29
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: JPMORGAN CHASE & CO. (NY)

A charge I did not recognize appeared on my card. Visa refused to undertake an investigation, but in doing so did not comply with requirements of the Fair Credit Billing Act. The company continued to ask me for information about the charge but I can provide no information about a charge I know nothing about. The Fair Credit Billing Act requires : XXXX. That Visa " conduct an investigation yourself and that you set forth the reasons why you believe the account was shown correctly. '' This was not done. See attached correspondence from Visa XXXX. The Act also requires Visa, upon my request, to provide copies of documentary evidence of my indebtedness. Despite my written request, this was not done XXXX. The act also states " In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed or otherwise sent to the obligor and provides the obligor with a statement of such determination. I requested this statement but it was not done. In fact, it can not be done because I received no services. I wrote to Visa about this but my letter was ignored In their letter, Visa state " we found no evidence of a billing error ''. But that is NOT the standard under the Fair Credit Billing Act. The Act requires Visa to show why the charge is correct, to provide documentary evidence, determine that goods were delivered and make a statement to that effect. None of this was done.
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WV)

Nothing happened a total disregard for the laws Thats all set in place to protect the consumer. It says in fair credit reporting act I have the right to privacy I need all that information deleted off my credit report its all inaccurate. 15 USC 1681 section 604 a section 2 it also states that a consumer report an agency can not furnish an account without my written instructions
Consumer complaint received 2024-04-08
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. (NC)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per XXXX  XXXX ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX  XXXX Balance : {$2300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2300.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-08
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: Experian Information Solutions Inc. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NJ)

Funds were slowly being charged in small amounts since XX/XX/XXXX by online gambling accounts. I just noticed it on XX/XX/XXXX. I reported the charges and asked them to go back and see how many there were. There were 184 small charges made since XXXX. 

Since we had called Wells Fargo in XXXX ( because we noticed authorized charges being made from gambling accounts then as well ), we werent checking for these charges because we assumed they were blocked and Wells Fargo was a safe institution to keep our money at. When I found out all of those little charges totaled over XXXX dollars, Wells Fargo submitted a claim. 

6 business days later, I found more fraudulent charges by another gambling company ( XX/XX/XXXX ). At this time, Wells Fargo did not stop the charges or think to contact us when over 78 charges were made to a betting site over the course of 5 days. Again, I was not checking my bank account, as there was a claim already open and I didnt even have access to a debit card. 

When I called to file yet another claim, the employee stated that the other claim was closed and denied and that the reason it was denied was because I didnt report it sooner. Is that legal? To say, too late, you didnt notice fast enough, now its gone? It is XXXX dollars. XXXX dollars is not able to be returned to us. None of those charges were made by myself or my husband. 

There is currently another claim open for another XXXX dollars that was taken while the XXXX dollar claim was in the process of being denied. 

I spoke with a Wells Fargo manager. The manager was kind enough to file a complaint against the claim result but with no guarantee. In what world is this fair? 

I am a XXXX XXXX XXXX and my husband is in XXXX XXXX. We are hardworking citizens. XXXX dollars of fraudulent charges in 4 months and not one alert, not one cause for concern? Now, when we are uncovering how long this has been going on for, they just say no? This is not acceptable. It is our money that we work really hard for. This loss of money does severely impact our financial security. We have kids in daycare. Bills that have to be paid. It isnt right. Please help us rectify this situation. 

Thank you.