davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Skrill USA, Inc. (NJ)

I have been fed up with Skrill I have nearly reached VIP status so I would expect to at least be able to utilize my account without having to complete XXXX ruin my XXXX  day because I added money from my bank account to my Skrill wallet and somehow it triggers to lock my account where I cant access my funds for over 24 hours now and counting, this is all due to no human that work there and everything is algorithm-based so each time I uploaded my documents that they are requesting me to show two debit cards on the bank statement from a transaction that just happened today and expected those transactions to be on the bank statement which ended on XXXX because yes every bank sends out a statement once a month and have you ever heard of a bank statement that shows the debit card numbers? Because it seems they want me to juggle while hopping on 1 foot and saying my ABCs backwards.No I am not being sarcastic what more could I do when I sent them a letter of ownership and verification from XXXX XXXX saying that IMD owner of the two cards ending in XXXX and XXXX so Im being penalized and my money is held up from their Security check because of what money laundering? Are people not supposed to XXXX move the money from one account theres to another that is not laundering or illegal especially when I have verification from the XXXX XXXX they were so quick to do that for me but then Skrill is negligent theres no phone number to call and basically its a slap in the face they keep rejecting my uploads with my bank statements, picture of the debit cards I used to fund Skrill and a letter of ownership but that is not accepted? Why would they put me through so much trouble for no good reason who is this protecting or are they just trying to steal my {$74.00} balance? Im certain that nobody gives a XXXX and they need to be penalized
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

The information on my credit report doesnt belongs to me I would like the information removed from credit report. I filled a report through FTC EQUIFAX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX Mortgage Reporters XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax 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 Equifax 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
Consumer complaint received 2023-03-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (GA)

During the mortgage process I was made aware that multiple accounts had been reported to my personal file that did not belong to me.I reported this information to law enforcement as well as the credit agencies furnishing the information. I have attempted to resolve these discrepancies multiple times over the past couple of years. I even voluntarily paid some of the accounts in order to stop the damage to my credit and constant harassment by collectors. I was informed by my lender to file a complaint with the consumer protection bureau. I request immediate deletion of this account.
Consumer complaint received 2016-05-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TRANSUNION is reporting XXXX debts that are not mine XXXX and XXXX the bill seems to originate from XXXX. the bill is from an address I have never lived at. I requested TransUnion and the above Debt buyers validate the account but my request was ignored.
Consumer complaint received 2022-04-22
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. (GA)

On XX/XX/XXXX, I received results from reinvestigation report from Experian stating that my results had been verified. On XX/XX/2022 I sent certified mail ( XXXX ) requesting according to 15 USC 1681i ( a ) ( 7 ), the description of reinvestigation procedure. The company received on XX/XX/2022 @ XXXX pm. Today is XXXX XXXX, I have not received the documents that the law says I, the consumer, is required to have. This is noncompliance to what the law states and for each non compliance I am due " in any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.
Consumer complaint received 2023-07-28
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. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXXXXXX XXXX  XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-07-28
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)

This is my third 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 XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX Balance : {$1800.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2023-10-22
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: ADIR INTERNATIONAL LLC (CA)

Back in XXXX I went to collections for a minimal fee at Curacao. I think it was for a dollar. It's been paid and when I get my credit report the report says that it's been " closed by credit guarantor. '' It also shows pay status as " PAID IN FULL '' however, it's still popping up on my credit report. In my most recent viewing of my credit report Curacao still shows up and now it shows that my account was reupdated XX/XX/XXXX. Per my credit report, this account is open and active. I have gone to the store numerous times in the pass and they have said this account is closed. 

It is my belief this company is reopening people 's accounts without permission. My credit history is being damage because of this.
Consumer complaint received 2023-02-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Universal Account Servicing, LLC (VA)

I called the credit company " Universal Account Servicing , LLC - XXXX XXXX XXXX, XXXX MO XXXX '' XXXX different times. My first call ( XX/XX/XXXX ) was to verify that I was paying the correct payment amount and if I would be alright if I paid the last payment on the payment due date. She confirmed that I would " be alright '' if I paid my last payment amount by the final payment date. I was part of a XXXX XXXX ( XXXX  months ) and I paid my last payment on XX/XX/XXXX ( my last payment date was XXXX XXXX, XXXX ). 

I found out today ( XXXX XXXX, XXXX ) that I was not within the XXXX XXXX  date ( XX/XX/XXXX ) and that I would have to pay, in addition to my last payment, I would have to pay all the deferred interest payment. I called them again the same day and asked if I could get this waived since I have always met my payment due dates and more than the minimum payment amounts. They told me that they were a XXXX XXXX lender and had no control over whether I could get this waived. I am so worried because I would have to pay XXXX in addition to my principal payment of XXXX. I told them that I am facing financial hardship and would not be able to pay the interest ( XXXX ) and they still refused to waive the interest. I am enclosing the last statement and the payment transaction history.
Consumer complaint received 2023-10-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Block, Inc. (NV)

On XX/XX/23 I placed order XXXX XXXX XXXXXXXX & made 1st payment through Afterpay for {$18.00}, Total {$73.00}, remaining unpaid balance {$55.00}. XXXX  # XXXX, which as of XX/XX/23 does not have possession of my package. In spite of this information, XXXX has refused my multiple cancellation requests. XXXX, despite having this proof, STILL protected XXXX, which is bias. I've already cancelled the credit card, & advise all future customers to make other shopping arrangements.
Consumer complaint received 2024-02-20
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts and delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-15
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. (SC)

This is the numerous times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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
Consumer complaint received 2023-07-28
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 reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for 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 US DEPARTMENT OF EDU XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX
Consumer complaint received 2016-03-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (NV)

Chase Bank closed my account on XXXX/XXXX/16. I had {$450.00} in the account as of that date -- with no outstanding checks or debits .... I was told that I had to wait 10 days before I was to receive the balance of funds ... ... It is now XXXX/XXXX/16 and I have not received my money from the account ... ..I have contacted the bank a number of times regarding this problem -- -only to be put off with " we sent you a check '' or '' we are conducting a search for the check '' or come into the bank to see a manager who will assist you who is never there ... It is my money -- -I live off my Social Security of {$810.00} a month -- -so that is a great deal of money for me to lose ... .I do not know why the bank will not give me the money -- it offers no reason or excuse
Consumer complaint received 2023-07-28
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2019-06-27
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. (IL)

I'M THE VICTIM OF IDENTITY THEFT. i CONTACTED THE FTC AND FILED A COMPLAINT. I SUBMITTED ALL THE PROPER DOCUMENTS TO THE CREDIT REPORTING AGENCIES, YET THEY REFUSED TO REMOVE THE INACCURATE INFORMATION FROM MY FILES
Consumer complaint received 2015-10-08
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (DC)

On XXXX XXXX, 2015, Wells Fargo had my checking account available balance listed as {$670.00}. I withdrew {$500.00} from the account, which left a balance of {$170.00}. The receipt generated after my withdrawal showed the available balance as {$170.00}. The next day, it was clear that Wells Fargo incorrectly listed my available balance too high and a downward adjustment was made. The lower balance appears to be correct. However, I was charged a {$35.00} overdraft fee for the ATM withdrawal. I should not be penalized {$35.00} fee because Wells Fargo incorrectly listed my available balance as too high. At the time of the withdrawal, there were no pending transactions that would bring the available balance down. As a result, it 's clear that Wells Fargo incorrectly calculated my available balance. The receipt generated after the ATM withdrawal in question will show a positive balance before and after the withdrawal. I ask that the {$35.00} fee be returned.
Consumer complaint received 2017-01-23
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (GA)

Double charges of interests. 
Macy 's charged me interests several times for one time of late payment. I was late for a payment once, and there was a late fee and interest. I paid the full amount, {$95.00}, and this amount included the late fee AND the interest. This was due on XX/XX/2016, and I made the payment on XX/XX/2016. But Today, I found out that they charged me interest ( something called minimum interest of {$2.00} ) for XX/XX/XXXX AGAIN after this payment. Since I made the full payment before the due date, I am not supposed to owe any more interest. But they charged me again for the interest. According to their way of calculation, even if I pay the full amount, I am still owing another interest. Then, when am I ever done with the full payment? I will always be in debt, wo n't I? This is an out right exploitation and fraud. I never heard of anything like this. The amount is small. So, it is not about the amount. I am sure they have exploited MANY consumers this way. Today, I paid {$6.00} total for the double interest that they claim that I have to pay. Since Macy 's have a lot of customers, I am sure that a lot of consumers are subject to this act of fraud.
Consumer complaint received 2016-02-17
Product: Credit card — 
Issue: Credit determination — 
Company: WELLS FARGO & COMPANY (TX)

I opened a Secured Credit Card with Wells Fargo in XXXX 2014 with an initial collateral deposit of {$300.00}. I was told, upon review of my positive account history, my account was eligible for graduation to an unsecured card. I used the card for a year, made my payments on time, if not paying in full, never went over my limit, and kept careful watch over the card. I called Wells Fargo and requested a {$100.00} increase to my credit limit, which required another {$100.00} collateral deposit. I used this limit for a while. 
Last year, I called and asked a banker what was keeping my account from graduating into unsecured, and if it is not eligible for graduation I would like to cancel my card. She informed me to " hang tight '' and do not close it yet as I was " very close '' to graduation. She specifically told me that I should be graduated within the " next two months. '' Here I am a year later, still on the secured card from Wells Fargo. They now tell me that there is no way that they can tell when the accounts will graduate, and that I was severely misinformed by the banker who said I would graduate. 
When I first got the card, my credit score had a few blips on it, all of which were taken care of in the first year of having my card. Since then, I have been able to increase my credit score to XXXX with no collections or late payments on my account. They are now telling me that my credit score is something they take into account, and that may be a reason why they are not graduating me. 
I feel that it is unethical, and possibly illegal, to promise me a credit card will be unsecured " in two months, '' if that is not the case. Now, the phone bankers are eager to try to pull a credit report and get themselves a " referral credit '' in trying to open me up a brand new account. I keep refusing this, as I am not wishing to have a hit on my credit report for their referral credit.