davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-17
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: CITIBANK, N.A. (TX)

Sent this to Citi... they believed the vendor and NOT the consumer... this site/merchant needs to be shut down. Citi denied my claim without even a call. The merchant is playing them with 100s of pages of fraudulent and misleading documents. They will not accept my return and told me they would just throw it away and deny they got it. XXXX dealer told me I was being forced to buy a fake product by a fake vendor. 

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX Citi Visa XXXX : Billing Inquiries Re : Notice of disputed charge to Account No XXXX XXXX XXXX Anywhere Visa Card by Citi-XXXX Coa Card by Citi-XXXX  Dispute Number XXXX XXXX Merchant : XXXX ( Fraud Site ) Dear [ Fraud and Billing Inquiries Division ] : I am writing to dispute a charge of {$170.00} to my credit account on XX/XX/2022. The charge is in error because the site is either fraudulent or sells damaged goods with no real XXXX  ( return process ). Local XXXX XXXX said they had never heard of their return process and they mentioned the part might be used or not from XXXX The part does not fit my car and or is damaged. 

I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. 
I have already reported the site to the FTC and the Texas Attorney General. While I still have the part, the representative told me to wait for the XXXXif  I get one before returning the part. He said if I returned the part with no XXXX, they would just throw it away. 

Again, the XXXX  requires me to take it to a XXXX XXXX to validate the part and or warranty. The local XXXX dealer told me they had never heard of such a process or this online site. The vendor will not accept the return without an XXXX, they said they would just throw it away and pretend they never got it. This is clearly a scam from this vendor and they should be shut down for selling fraudulent copycat parts. 
They are clearly taking advantage of the credit card claim process by saying the consumer still has the part. Again, the XXXX dealer said I was being sold a fraudulent part and there is no such thing as them verifying the part. 
The part has since become toxic as it is venting plastic chemicals ( smells ) and has started to disintegrate. If Citi and XXXX will not protect mewho will. 
Attached is a copy of the order and their XXXX  process. The second option is non-sensical since it still requires XXXX to validate/inspect the part. 

XXXX XXXX Vis a Card by Citi-XXXXVisa Card by Citi-XXXX Sincerely XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-06
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: EQUIFAX, INC. (CA)

When I investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2020-04-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Law Office of Michael J. Scott, PC (TX)

Please reference complaint numbers XXXX and XXXX from XX/XX/2020. 

As of XX/XX/2020, per my local court clerks, this file has not been withdrawn and no " hardship hold '' has been placed on my account. This company stated to CFPB on XX/XX/2020 that a 60-day " hardship hold '' was placed upon my account. There is no hold, they are pursuing legal action, during a national emergency. Scott and Associates have lied to the CFPB, a government agency, and should be held liable. XXXX XXXX XXXX, ( who has not yet even responded to the XX/XX/2020 complaint ), should also be held liable for the actions of their representative party. 

If the CFPB desires me to furnish the recorded telephone call where the Scott and Associates agent says to me that I do not have to respond to the summons of the lawsuit, I will gladly do so. It has already been given to the Attorney General of Texas and the State Bar of Texas. 

I will also begin to visit XXXX XXXXXXXX XXXX social media pages and demand to know why they would decide to file a lawsuit against a person who has continually attempted to get on a hardship payment plan, especially during a national emergency. I will also demand to know why, ( as Scott and Associates stated in the attached letter response ), they would NOT take the file back into their possession.
Consumer complaint received 2020-04-08
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. (AR)

My bank called me and told me there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it was not mine. I then later that day got a second call from another bank and I immediately knew my identity had been stolen. I got online and made an account withXX/XX/XXXX XXXX and got a copy of my report. For several years my name and social was used to open accounts that are not mine. Please remove these items from my credit report. 

BANKRUPTCY XXXX {$0.00}
Consumer complaint received 2023-01-06
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. (CA)

When I investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I have been having an Issue with an inaccurately reported item on my credit report. XXXX XXXX where my father used my information his daughter to illegally purchase a recreational vehicle without my knowledge. This company has been served with legal documents to delete this item from my credit report and as of one year nothing has been done. The name of the company is XXXX XXXX.
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After reviewing my credit reports I noticed that you are alleging that the following accounts are Charge Off without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove this negative and adverse remarks. 

XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX  XXXX Balance : {$2500.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$2900.00} XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXXXXXX XXXX  XXXX Balance : {$8900.00} XXXXXXXX XXXX  XXXX Balance : {$4200.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$7700.00}
Consumer complaint received 2020-04-08
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: EQUIFAX, INC. (NY)

I submitted a dispute with Equifax online after waiting on hold for over 2 hours. I could not get any answers from agents over the phone and they didn't even undestand what I was talking about. I followed the directions and submitted the dispute using my Equifax account. I went to check the status and was met with the following message : " It looks like we need more information to securely match you to your dispute file. Our consumer care team is ready to assist you with that. Please call us at XXXX between XXXX XXXX  until XXXX XXXX  EST, seven days a week so that we can help. '' I called the number and the systems hangs up every time you press 1 to speak with an agent. I called corporate and I was put through to a specialist and a supervisor who did not know what the message meant and said they could not help. Equifax is not assisting me and not correcting the information on my credit report. I even uploaded a letter from a lender to dispute the issue.
Consumer complaint received 2020-03-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NJ)

American Express serve card just cut off a bunch of customers accounts. We loaded our money onto these cards and they took the money. Cant log into the site, we cant spend, all purchases are declined and when we call the autmoated voice says put in you social and says no account linked to that social and hangs u. This is a card that people who cant use banks, use to load their money on and they are mostly poor and their money is gone! They shut down their system
Consumer complaint received 2020-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

My identity has been compromised. I found out because XX/XX/XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX {$150000.00} XX/XX/XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX {$120.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXXDISCHARGED XXXX {$0.00}
Consumer complaint received 2020-04-08
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. (AR)

My identity has been compromised. I found out because XX/XX/XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX {$150000.00} XX/XX/XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX {$120.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Consumer complaint received 2023-01-06
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: EQUIFAX, INC. (NJ)

I discovered that some of the items on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified items without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-01-06
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. (NJ)

I discovered that some of the items on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified items without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

On XXXX XXXX, 2020 I noticed an alert on my credit file from Jefferson capital systemXX/XX/XXXX wireless. Its a collection saying I owe them {$1000.00}. 
I immediately tried to contact them. I filed a dispute with XX/XX/XXXX the same day of the alert to get it removed from my account. On XXXX/XXXX/2020 the file was only updated. This is not my account. It's taking a toll on my credit score. That's not right. Please help me resolve this matter.
Consumer complaint received 2023-02-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (NY)

I bought several XXXX dollars in American Express XXXX XXXX ( https : //www.amexgiftcard.com/ ) in XX/XX/2001. I received the gift cards directly from American Express unopened by mail. However, there are fraudulent charges on several of the cards ( e.g. ~ {$90.00} of charges, ~ {$97.00} of charges, and ~ {$50.00} of charges on XXXX {$100.00} AMEX gift cards. I also gave so me the gift cards away as gifts and several receipts reported that there were fraudulent charges as well. Overall, this has been a nightmare experience. 

I reached out the American Express to dispute the charges and get a refund. However, they claimed that refund is not possible and you must contact the merchant direction ( which is not a reasonable solution particularly for {$100.00} gift card ).
Consumer complaint received 2020-04-08
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: National Credit Adjusters, LLC (FL)

The company called XXXX XXXX c/o XXXX reported on my credit report that I was past due on a loan that I did not approve. This was reported on my XXXX  report on XX/XX/XXXXXX/XX/XXXX, with the loan amount past due being {$3800.00}. When I got the alert I called the company and after several hours I was able to get a customer service representative on the phone. I explained to her what was reported to the credit reporting agency and that I had no knowledge of this account and never requested a loan from this lender. She took my information and said her company would investigate this and get back to me as soon as possible. I never heard from anyone for 2 weeks. I called back and got the same answer. After another week, I called again and told them that I had been told for 3 weeks that someone would be investigating this account with no results and the agent again told me that they were still investigating my account and they would notify me when they came to a conclusion. After never hearing anything from the company, I disputed the account on my XXXX   report, but there were no changes made to this account. I have since not been able to get ahold of anyone higher than a customer service representative. When I ask to be transferred to a supervisor I am told to please hold and then the line disconnects. This has happened over 5 times. I have made many many attempts to contact this company as well as the credit bureaus with no luck whatsoever. After several months of trying to fix this issue, it was reported to XXXX  that the debt was sold to National Credit Adjusters LLC. I have since contacted them via the phone number and address listed on my credit report, with the same results as the last company. My last attempt to contact this company was on XX/XX/XXXX via phone and XX/XX/XXXX via mail with no further response. The account history reported shows 4 paid on time payments to this account, which of course were not made from my bank account- which I would have been able to dispute through my bank. When I also made this aware to the financing company as well as the debt purchasing company, they just told me that they would notate that in the file and let their supervisor know and get back with me.
Consumer complaint received 2023-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (MI)

Wells Fargo is forcing my account to overdraft in large amounts just before my husband gets paid. My account isn't covered by overdraft protection but somehow my account keeps ending up XXXX or more overdraft. When I go through my banking statements I found where XXXX+ dollars is missing from my account every couple of days also causing overdrafts. As of today 's date there is just about XXXX of my tax return missing from my account.
Consumer complaint received 2022-02-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NC)

Refinance XXXX accounts below mortgages and only XXXX payment was posted. Both wires were sent at the same time and should received and not returned. I have sent both wires confirmations to the bank and they are stating they cant not help. 

XXXX XXXX XXXX XXXX XXXX Wire transfer was received and posted XXXX XXXX XXXX # XXXX Wire transfer is missing
Consumer complaint received 2020-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2020-04-08
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. (AR)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
Consumer complaint received 2020-04-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC. (NC)

Installment Loan Statement billing address change request is being ignored by Citizens One. 

It took months for Citizens One to address an error in the first billing address. They forgot to include the apartment number. 

When Citizens One made the apartment number correction I received my first installment loan statement and I returned the bottom portion with a checkmark in the box for address change request. I also completed the backside with the new address. 

Many requests for the address change was made to Citizens One. The last request was made via email on XX/XX/2020 at XXXX XXXX EDT. As of today no response to this email from Citizens One and I have not received an installment loan statement at the new address.
Consumer complaint received 2023-12-18
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-02-09
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)

I've tried having this fraudulent information resolved a few times to no avail. It's preventing me from taking a step in the right direction for employment and housing. I need help ASAP.
Consumer complaint received 2020-04-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (FL)

I just received a notice from my Wells Fargo they are closing my account. I am not bouncing checks or anything like that. It's just that I have a small account that only receives my social security check. 

The bank only gave me a one week notice. I receive my Social Security check into this account and Social Secuirty takes 6 to 8 weeks to be able to switch to my new account. Can you help me to stall the closing until my Social Security check can make the switch to the new account?