davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken (CA)

I was scammed by an investment scam company called XXXX. 

I invested a total of XXXX as XXXX onto the trading platform XXXX over a period of time beginning in mid-XXXX XXXX 

With the advice of my " mentor '' XXXX, I made trades about every 2 weeks. Either short or long trades. Depending on the info provided by XXXX XXXX uncle, who supervises a technical analysis firm in XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX 

He mentored his niece, she mentored me. I had built up assets totaling XXXX XXXX XXXX. The trading cycle had ended. I was withdrawing the full amount to transfer to my Kraken wallet. The transfer was not successful. I didn't know why. 

XXXX said to write to customer service. I did, and they replied that my account was " abnormal '', and that I would need to pay an additional 20 % fee to unfreeze the funds. 

Both the principal and the fee would be released upon receipt of the additional 20 %. I said : " XXXX, what is this? She said : " Oh, yes, I had to pay 20 % fee to withdraw a similar large amount the first time from XXXX. So did my uncle. '' I said : " Why didn't you forewarn me? '' I do not have XXXX in disposable income to pay the fee. XXXX did not have liquid funds to help me out. Her funds were still tied up in some trading account. 

I absolutely will not take from my remaining retirement funds to pay this. I need what's left. I am okay, but no further reduction is possible. 

XXXX suggests I write customer service back, asking for a deadline extension ( beyond XX/XX/XXXX, which is seven days from the freeze ), pay some now, and pay the remainder before the deadline extension. I explained to her this will not happen. I don't have the funds. 

This is where I'm at. I have written off the XXXX in my mind. There is no crypto court or law to complain to. I can only write back to customer Service, but I don't even know what I would say at this point. 

I contacted the institutions involved in my case. Namely my bank, the beneficiaries of my money, the police... I am now seeking help from you. 

I primarily hold responsibility against my bank and the beneficiaries, namely Payward Ventures INC doing business as Kraken, which is why I'm addressing you. 

Please assist me with recovering some of my money.
Consumer complaint received 2023-02-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (VA)

Chime has suspended my account and requested documents from me to unsuspend my account and have not been responding after I sunbmitted the documents required, I have been trying to get access to my account for XXXX  months, now Im homeless with XXXX  children because I cant access my funds that are in my savings account, they keep saying someone will review or theyll escalate the matter and it never gets resolved, I have over XXXX locked inside of the account and its urgent I can have it removed to another bank or something please help me
Consumer complaint received 2020-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To Whomever This May Concern : I need my balances updated via the credit bureaus please for XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. They are reporting incorrect balances on the bureaus. I need them to update them.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2020-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

To Whomever This May Concern : I need my balances updated via the credit bureaus please for XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. They are reporting incorrect balances on the bureaus. I need them to update them.
Consumer complaint received 2022-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NM)

When I applied for the Citi XXXX XXXX select credit card, the adverisement on their website said " Earn XXXX XXXX XXXX XXXX XXXX XXXX  after {$2500.00} in purchases within the first 3 months of account opening... ", see attachment. I charged over {$3000.00} on the card and made full payment within the first 3 months of opening the account, but they only gave me XXXX bonus miles instead of XXXX as advertised. I contacted their customer service, but have not received any explanation or resolution.
Consumer complaint received 2023-01-18
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. (PA)

I AM WRITING TO DELTE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT!
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2021-03-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (GA)

On XX/XX/2020, I made an online bill payment through my credit union to LoanCare to pay my XX/XX/2020 mortgage payment. At that point, my account was current. On or about Feburary XXXX, I called LoanCare to get my 1099 tax information because with the U.S. Mail running slow, I had not recieved it. I was given the information. On XX/XX/2020, My credit union notified me that I had a returned check fee for a payment of {$1500.00} from LoanCare. LoanCare had processed an ACH payment from my credit union account in the amount of my mortgage payment. I was not aware of this and I did not authorize this payment.

I contaced LoanCare several times and was told that a manager would be reviewing the call recording that occurred on or about XX/XX/XXXX to determine what happened. I have yet to receive a response from them. Even after the call where I informed them that the payment was unauthorized, the payment was re-presented to my credit union. At that time, I had put a stop payment on the transaction so I was not assessed another {$29.00} returned payment fee. I am very sure that I did not autorize LoanCare to process any payments from my account. That is not how I make my loan payments and at that time, my loan was paid current.

I am afraid that I may not be the only borrower that is experiencing this. For LoanCare to make unauthorized payments from a borrower 's bank account is fraudulent.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NV)

I made a mistake when filing a dispute to remove my hard inquiries there is a XXXX XXXX  credit card with a credit limit for {$6600.00} that I mistakenly had removed I would like to be replaced please credit line was added to my credit report in XXXX
Consumer complaint received 2023-01-18
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

I disputed a 30 day late payment in XX/XX/XXXX late payment thru XXXX on XX/XX/XXXX and heard nothing back about the outcome. On XX/XX/XXXX I sent a second request with copies of my certified letter from my forts request asking them to remove the item since it wasnt investigated in 45 days. This item wasnt removed and I sent a XXXX request in and was told the item was valid. This item should have been removed since the investigation wasnt done timely but its still on my credit report
Consumer complaint received 2020-03-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (WA)

I paid this card off in full early. First red flag was they started charging me interest before ever even sending me a bill to pay on a zero interest for a year account. I paid the account off in full back on XX/XX/XXXX with a memo notification to close my account. They then sent me an interest bill for {$17.00} against a XXXX balance. So I called to confirm my account was closed. Today was my third attempt to confirm closure since they sent me another bill. I spoke with XXXX from Comenity-Iddeal Card on XX/XX/XXXX to confirm closure, she verbally stated yes it is closed and we will credit you the {$17.00} interest charge. HOW are they charging interest on a XXXX balance account? I then received another bill for XXXX with not only the {$17.00} but a late fee of {$19.00}. XXXX stated I would be sent a confirmation letter of closure on XXXX. I called again today since I now have a bill for fees for {$36.00}. Spoke to XXXX this time and she confirmed my account was closed yet I have a bill for a late fee on the XXXX that I didn't pay for XXXX - when I had a XXXX balance which is why XXXX waived that fee. This company is trying to charge interest when there is NO money owed! They are then not following up with written confirmation of the closure and are still trying to charge me interest with a late fee! Again today they confirmed that the account was closed and she was asking her supervisor to waive the fees - how are they billing interest to a XXXX dollar account! They stated again I would receive an e-mail and a letter but it would take 3 to 5 days. Since when does an e-mail take 3 to 5 days! This is beyond an unethical business practice but fraudulent to charge someone interest when nothing is owed and then to try and tack on a late fee to that AFTER the account was CLOSED!
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Disputed a {$300.00} collection from medical on my report, based on the new guidelines that medical claims less than {$500.00} would be removed from credit reports. Experian has denied the removal, and simply updated the reported date to the dispute date, thereby extending the 7 year mark.
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX : {$65000.00}
Consumer complaint received 2020-03-07
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)

While the FRCA creates the credit repair process, the XXXX XXXX XXXX XXXX regulates the credit repair industry. ... The law recognizes that consumers need to maintain a high score and have a right to seek assistance to correct their XXXX XXXX, XXXX all navient loans office of the atty XXXX XXXX fed XXXX ser navie XXXX XXXX credit collection sevic navient XXXX bank XXXX XXXX CFPB XXXX XXXX XXXX Largest XXXX XXXX XXXX XXXX for XXXX XXXX XXXX Every Stage of Repayment The Fair Debt Collection Practices Act, Pub. L. XXXX ; XXXX Stat. XXXX, codified as XXXX U.S.C. XXXX XXXX, approved on XX/XX/XXXX is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit XXXX XXXX, as Title XXXX of that Act
Consumer complaint received 2024-03-21
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. (MD)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-03-14
Product: Credit reporting 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 did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Consumer complaint received 2020-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NY)

Hi, we used Chaise credit card to buy addition tickets {$140.00} for exhibition event at XXXX XXXX in XXXX  XXXX  taking place XX/XX/XXXX - XX/XX/XXXX. We called Chaise credit card dispute department asking for help to dispute the {$140.00} charge because of the ongoing Corona virus threat and because New York  Health Department does not recommend attending public events. We talked to XXXX on supervisor team from XXXX XXXX who refused to dispute the charge and advised us to either attend this event or just take the charge.
Consumer complaint received 2020-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (TX)

XX/XX/XXXX at approximately XXXX XXXX  central. Discover called. My son answered. Did not identify himself. Discover asked if I was there, his answer was " are you collecting a debt? '' After they asked each other the same questions several times of each other the representative said that the bill was past due. This is a clear violation of my right per the fcra and the fdca of texas. When questioned she suddenly did not want to repeat her name. After being reminded that she had to per all the f..a acts, she would only give the one name, making it hard to identify who violated my rights. Spoke to a supervisor. Supervisor didnt know what happens typically when a complaint is filed. 

Representatives name was " XXXX '' she works in collections. And identified herself as a debt collector. 

" Sorry '' was the only resolution I recieved from discover at the time of the call. That is unacceptable after violating my rights. They should be bending over backwards to ensure that i didnt take this to the ffc, andvthe CFPB, and the oag. Because i recieved no resolution, we are here.
Consumer complaint received 2023-05-25
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)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$140.00} XXXX XXXXXXXX Balance : {$130.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$600.00} XXXX/XXXX  XXXX 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 2023-01-18
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: Experian Information Solutions Inc. (CA)

Utilization XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2021 NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my ( Experian, XXXX or XXXX ) consumer report, and I noticed that it is reporting my experience with your company. 
The line of credit I have with your company, which is characterized as utilization on my consumer reports. 
YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 
XXXX XXXX XXXX XXXX XXXX Credit Card XXXX XXXX XXXX XXXX line of credit XXXX XXXX XXXX XXXX auto loan No actual account numbers so this is violation Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( XXXX XXXX XXXX XXXX XXXX Making the report is not INCLUEDED on my Consumer report! Utilization is an experience with the line of credit that was extended between the consumer ( ME ) XXXX XXXX XXXX and the person ( YOU ) XXXX XXXX XXXX XXXX that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

You have 10 calendar days to update my utilization to 5 % or below and or delete all Utilization from the below account/s XXXX XXXX XXXX XXXX XXXX Credit Card XXXX XXXX XXXX XXXX line of credit XXXX XXXX XXXX XXXX auto loan No actual account numbers so this is violation Failure to respond satisfactorily with deletion of the above Utilization, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX
Consumer complaint received 2024-03-21
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. (GA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.