davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: WELLS FARGO & COMPANY (FL)

In regards to my CC ending in XXXX, I filled a claim for a charge of {$81.00} on XX/XX/2021 ; The correct amount I should have been charged is {$35.00}. For backstory, I went to XXXX XXXX in NY for a work meeting, I bought three rum and cokes and they were {$9.00} each, after tax and tip my total was {$35.00} for the three drinks. I left and came back within the hour and ordered the exact same three drinks but this time I was with my coworker, my card was on file. Upon waking up the next morning ( Knowing I never accurately signed a receipt upon leaving ) I noticed a charge of {$81.00} including the original {$35.00} from my first visit. My guess is that the bartender put my coworkers drinks on my tab and possibly my coworker may have signed the receipt. In any case, there should only be two charges for {$35.00} ( generously ) and I was wrongly charged {$46.00} which isn't a large sum of money but Wells Fargo basically told me to go XXXX. 

Would love to see this get resolved as its not so much about the money but the principle and shadiness behind Wells Fargo Claim process.
Consumer complaint received 2023-08-22
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. (WI)

Disputed charge for XXXX on XXXX. I told credit card company Citi that I did not receive service. Nobody waited on us. for 3 hours..The person on the phone said Oh did you cancel? I said no I never received service. We had to be at our destination by XXXX. I walked across the rental to XXXX who waited on us immediately. Citi did reverse charge and later on XXXX I saw they recharged it. I sent in my dispute in writing and now received on XX/XX/XXXX letter stating there is nothing they can do. I called Citi rental and they have no record of a reservation for a car from me. I talked toXXXX XXXX  off site XXXX. I talked to XXXX. She had no reservation or service provided me. I have an additional charge to prove I rented from XXXX instead. The person who answered phone obviously put down the wrong reason. They are trying to say I changed my story. Not the case. Received no service from XXXX XXXX made through Citi travel.! Please help me recover my XXXX. I have always paid bills and have not had this problem before. I also lost rewards points. Citi rewards promotes Citi travel .Citi card says they are no affiliated.
Consumer complaint received 2023-08-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I saw this collection on my credit report and requested a validation of the debt from Portfolio Recovery Associates , LLC, the collection agency on XX/XX/2023. As you can see from the attached documentation, the request was received on XX/XX/2023, but I have not received any of the requested documentation within the required 30-day time frame. Therefore I would like to request that Portfolio Recovery Associates, LLCstop reporting this collection to the three credit bureaus. Thank you for your assistance in this matter.
Consumer complaint received 2023-03-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-08-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WorldRemit Corp. (TX)

On XX/XX/23 at XXXX with Transaction ID : XXXX I sent the total amount of {$1500.00} to My account in XXXX ( XXXXXXXX XXXX XXXXXXXX, Acct # XXXX ) exchange rate of {$1.00} to XXXXXXXX XXXX through WorldRemit Services. As of today, XX/XX/23, no money has been credited/deposited into my XXXX  account, even though their receipt says delivered. Multiple attempts to reach WorldRemit have been unsuccessful. This has incurred pain and suffering because the money was meant for emergency medical needs.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 2023-02-24
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i.

Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.

Summary of Accounts being challenged in list form : XXXX XXXX XXXX - Account Number:XXXX Please supply information on how you have verified this item. 

XXXX XXXX XXXX - Account Number:XXXX  Please remove inaccurate reported late payments and update to paid as agreed XXXX  XXXX - Account Number:XXXX  Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the XXXX characters of the XXXX statement and all of its trailing fragments, and any other necessary aspect of factual reporting!
Consumer complaint received 2023-11-29
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: EQUIFAX, INC. (SC)

I recently submitted a dispute request to All 3 consumer reporting agencies regarding an account listed on my credit profile. XXXX XXXX XXXX XXXX I received a notification from XXXX stating that the account has been verified and updated. However after contacting XXXX they have stated in writing that they will be placing the referenced account into a restrictive status and they will not be attempting to collect anything from me. Now because their is nor evidence of indebtedness with XXXX XXXX XXXX the consumer reporting agencies have no business still reporting this unverified inaccurate information on my consumer report. I have included evidence that I have filed the proper complaints against the parties involved and that I am awaiting a quick response to my request to remove this information from my consumer report.
Consumer complaint received 2023-02-24
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Chime Financial Inc (NC)

On XX/XX/XXXX, a false tax return for the year XXXX was filed in my name and social security number but the first name belonged to my sister XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This was a requirement to obtain stimulus..she is on SSXXXXI so she was not eligible She also, I believe, opened a chime account in my name with her address XXXX XXXX XXXX XXXX XXXX Virginia to deposit my stimulus payments into this account the checks were sent out on XX/XX/XXXX ( {$1200.00} ) XX/XX/XXXX ( {$600.00} ) and XXXX of XXXX ( {$1400.00} ). I need to file a complaint because I am having trouble getting the records for this account. I have also filed a complaint and a case with the Federal trade commission and the IRS criminal investigation unit. I also plan to file a complaint with the XXXX XXXX XXXX and try to take legal action against chime and the IRS my sister 's real name is XXXX XXXX XXXX XXXX XXXX XXXX in XXXX Virginia XXXX all IRS correspondence from XX/XX/XXXX till XX/XX/XXXX had her first name on it but my social security number which is the reason for the identity theft situation. I can not get the checks from the IRS since it is a criminal investigation but I want to file this complaint because Banks need to be held accountable and need to do more research when they are cashing amounts of money in that size the total amounts of money is {$4.00}, XXXX approximately that I am aware of
Consumer complaint received 2021-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Colony Brands, Inc. (CO)

As of XX/XX/2014 a charge-off is still appearing on my XXXX credit report. I have disputed this information with XXXX against the company called XXXX XXXXColony Bands XXXX Inc ... Each time I dispute this charge-off which is still showing an amount owed for {$1900.00} they simply add a new charge-off date reflecting the date of my dispute. This charge-off is over seven years old. I never purchased goods in that amount from that company and the charge off needs to fall off my XXXX credit report.
Consumer complaint received 2023-08-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (MD)

On XX/XX/2023 I received a text message from XXXX XXXX XXXX XXXX to validate a charge of {$490.00} for XXXX XXXX. I rejected the request and called the credit card company. They closed out my credit card and started an investigation for the attempted charge. 
On XX/XX/2023, I checked my mail and received my bill from XXXX 's credit card showing a chargeback to my account for the {$490.00}. I called XXXX on XX/XX/2023, and they said the charge did not go through so they removed the credit for the investigation. 
I then opened the mail from Caine & Weiner and later found out they are a collection agency for XXXX XXXX. I also called the company on XX/XX/2023, to let them know the charge was fraudulent and they said they receive the charge for collecting around XX/XX/2023. 
Caine & Weiner mentioned the account was opened online for gambling. They gave me my address, dob, social security number, and of course my name. All the information provided was an exact match of my Personally Identifiable Information ( PII ). They did not believe that it was a fraudulent charge. 
Craine Weiner said I have to provide a police report number. I filed a police report on XX/XX/2023, XXXX, and called Caine & Weiner and provided the police report number, they said they will get back to me in 2 weeks. 
I am very concerned since someone has all my PII and I am not sure what happened between XX/XX/2023, and today. I am only aware of this one attempt because it came to my attention via a collection agency. 
What can I do to protect my PII today and moving forward?
Consumer complaint received 2023-05-11
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. (CA)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I have no knowledge of this and all is being investigated and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete this account : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-06
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-12-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A. (DC)

I have a " Virtual Wallet '' account with PNC that I've had for nearly a decade without incident. When reviewing my account this ( XX/XX/XXXX ), I notice a {$15.00} fee from PNC in XX/XX/XXXX and XX/XX/XXXX and call to see what it's all about. 

The customer service representative tells me I must not be meeting the requirements of the account ( for the first time in 7+ years mind you ). I tell them that I'll need to look into that, but it seems off to me since this has never happened before and that I wasn't notified to any changes to my account that would suddenly make me ineligible. I request a refund for the fees since I'm a long time, loyal customer and wasn't proactively notified that I was ineligible and would be facing charges. The customer rep tell me only one fee can be waived. I insistent that both be waived or that I speak with a supervisor to discuss the eligibility requirements further.

When I finally speak with a supervisor they discover that I DO in fact meet the requirements. So essentially, PNC was going to steal {$15.00} a month from my account because " I didn't meet account requirements '' that I DID in fact meet. And I had to proactively suss all of this by going through a 1 hr phone call and demanding to speak to a senior representative. How many others are being ripped off by this scam right now? PNC needs to make sure they are proactively communicating if customers aren't meeting standards and not just sneakily issuing fees that can get buried. Shame on them!
Consumer complaint received 2024-03-14
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. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX  XXXX # XXXX Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ROBINHOOD MARKETS INC. (AZ)

I opened dispute claim # XXXX with Robinhood. After not being able to initiate it in the app, I had to wait 30+ minutes to speak to a representative and more time on hold. Representative XXXX informed me the dispute was not yet opened and I will have to wait for someone from the disputes department to reach out and start the process. As my bank, Robinhood is obligated to promptly open a dispute and start the investigation, which they have not done. They are also obligated to provide a temporary credit within 10 business days of the reported error under Regulation E.

Robinhood needs to open my dispute ASAP and apply credits to my account immediately.
Consumer complaint received 2023-03-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TX)

National credit Systems is reporting an inaccurate collection account on my reports that I have been disputing for some time. 

I sent them a letter requesting validation of debt which I have left the tracking to prove receipt XXXX XXXX XXXX XXXX XXXX. 

In receipt of my dispute they asked me to provide documents concerning this debt and sent over an itemized statement from the original creditor. How are they able to verify this debt as accurate if they are asking me to send in documentation regarding this account? Furthermore, an itemized statement is not proof of debt. 

Clearly they are unable to validate this debt and I am requesting that this account is deleted from my reports now!