davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It May Concern TransUnion XXXX. XXXX XXXX XXXX, CA XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX PLEASE UPDATE MY PHONE NUMBER XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s )  listed below are as follow : Have enclosed a two bills ***PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX BEEN LIVING THERE SINCE XX/XX/XXXX THESE ADRESSES ARE MY OLD ADRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX XXXX   XXXX , FL XXXX Old number and is no longer mine : XXXX *****MY CORECT NUMBER XXXX CELL Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address. 

XXXX, XXXX SOC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2023-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have reached out to the credit bureaus and attempted to send certified letters to the US Department of Education. Unfortunately, the letters consistently show as in " transit, '' and I have been unable to confirm delivery. Despite using the contact information from my credit report, I have not received any verification of successful delivery. This lack of confirmation has raised serious concerns about the inaccuracies in my credit report related to this account. I worry that my concerns have not been properly investigated, especially as I have not received any response. These inaccuracies are significantly impacting my credit, and I am seeking assistance to ensure that this matter is resolved.
Consumer complaint received 2019-12-05
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. (PA)

I am a victim of identity theft. My personal information and identity is being used to fraudently obtain accounts. My information was exposed over 3 times in the last 4 months and my personal information was used 6 months ago. The fair credit reporting act section 605-B states i have the right to have this information removed due to the fact that i am a victim of identity theft.
Consumer complaint received 2024-05-12
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. (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.

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 2021-08-30
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. (NJ)

I have filed a dispute on several occasions for this creditor XXXX  XXXX XXXX XXXX listed on my credit report. On XX/XX/21 I called XXXX XXXX XXXX  asking about information on this account. The creditor told me that they do not have this account and this account has been sold to XXXX XXXX XXXX. I called XXXX XXXX XXXX on wanting to find out information about the account that XXXX XXXX XXXX  said they do not have and XXXX XXXX XXXX who is a junk debt buyer gave me a reference number if XXXX. I then proceed to go to their website with this information and I get a message that they do not have this account ( please refer to attached document ) because it has been sent to another junk debt buyer called XXXX XXXX. I called XXXX XXXX back and ask them why did they tell me they have this supposed debt from XXXX XXXX XXXX  when now XXXX XXXX has that whatever debt. I then called XXXX XXXX with my issue and this company gave me an account number of XXXX. I log this number into their website to see if there is an account and I get a message of no information found. ( see attached document. ) I want to know how is this credit bureau listing an account that does not belong to me and that you keep verifying that it is mine when XXXX  XXXX XXXX  says they do not have the account. What are you verifying this information from? Why are you allowed to post information on my credit report that is WRONG? For the final time I am asking you please to get physical information from XXXX XXXX XXXX  that shows this account belongs to me because they are telling me they dont have the account and a junk debt buyer has it. You are allowing XXXX XXXX XXXX  to continuously report this account every month to you when I do not owe them anything. Since this is my very last time asking for the removal of this account from my credit report, if this matter is not resolved within 15 days I am filing a lawsuit in small claims court for violations of the FCRA. I take my credit seriously. Please delete this erroneous information from my credit report for the last time.
Consumer complaint received 2019-12-05
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. (PA)

My personal information including social security number, address, and other personal information has been exposed in multiple data breaches and has resulted in identity fraud. Someone has gotten a hold of my information and is using it to fraudulently open accounts in my name. I reviewed my credit report and examined numerous fraudulent accounts on my report.
Consumer complaint received 2021-08-30
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 have filed a dispute on several occasions for this creditor XXXX XXXX XXXX XXXX listed on my credit report. On XX/XX/21 I called XXXX XXXX XXXX  asking about information on this account. The creditor told me that they do not have this account and this account has been sold to XXXX XXXX XXXX. I called XXXX XXXX XXXX on wanting to find out information about the account that XXXX XXXX XXXX  said they do not have and XXXX XXXX XXXX who is a junk debt buyer gave me a reference number if XXXX. I then proceed to go to their website with this information and I get a message that they do not have this account ( please refer to attached document ) because it has been sent to another junk debt buyer called XXXX XXXX. I called XXXX XXXX back and ask them why did they tell me they have this supposed debt from XXXX XXXX XXXX  when now XXXX XXXX has that whatever debt. I then called XXXX XXXX with my issue and this company gave me an account number of XXXX. I log this number into their website to see if there is an account and I get a message of no information found. ( see attached document. ) I want to know how is this credit bureau listing an account that does not belong to me and that you keep verifying that it is mine when XXXX  XXXX XXXX  says they do not have the account. What are you verifying this information from? Why are you allowed to post information on my credit report that is WRONG? For the final time I am asking you please to get physical information from XXXX XXXX XXXX  that shows this account belongs to me because they are telling me they dont have the account and a junk debt buyer has it. You are allowing XXXX XXXX XXXX  to continuously report this account every month to you when I do not owe them anything. Since this is my very last time asking for the removal of this account from my credit report, if this matter is not resolved within 15 days I am filing a lawsuit in small claims court for violations of the FCRA. I take my credit seriously. Please delete this erroneous information from my credit report for the last time.
Consumer complaint received 2019-12-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (NY)

I used my Brand Source credit card to make a purchase on XX/XX/19 with a 48 month interest free payment plan. I did not realize that my online account was still set up on auto pay to deduct a {$220.00} payment, due to a previous purchase that had been paid off. I scheduled my calculated monthly payment for the interest free plan which was withdrawn from my account on the requested date, but the auto pay withdrawal also went through. When I contacted Brand Source they stated they would reverse the auto pay payment and refund my bank account for the withdrawn amount, which they did - but when they reversed the payment on the Brand Source account they created a separate Regular purchase, instead of putting the {$220.00} back into the 48 month interest free payment plan. So now my account is showing that I have a 48 month interest free payment plan and a {$220.00} regular purchase which is accumulating close to 30 % interest. I have contacted them multiple times regarding this and no one seems to understand what I am saying. My calculated monthly payment is now higher than planned due to the accruing interest on a regular purchase that I never made. I have already paid {$4.00} in interest due to their error and them not promptly correcting it.
Consumer complaint received 2018-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Bureau Services Inc. (CA)

XX/XX/XXXX Credit Bureau Services was contacted in regards to notice received in mail. Notice received in mail was in regards to collection in amount of {$360.00}. Upon contacting Credit Bureau Services, a collection agency representative notified me of the attempt to collect a debt on behalf of a company. I asked if the account was already reported to the credit bureaus. I was told no. I asked if I paid in full would the account be reported to the credit bureaus. I was told no. I provided payment information for the aforementioned amount in full. The full amount was debited from my account 3 days afterwards. 
XX/XX/XXXX Credit Bureau Services was contacted in regards to collection account showing on XXXX  credit report despite having paid in full and being told they would not report if payment was paid in full. Representatives of Credit Bureau Services retracted their original statement that they would not report on my credit after paying in full. Instead, Credit Bureau Services then told me that they report regardless, even if the amount is paid in full. I was told they went back to listen to the call made between myself and the representative. I was told I did ask whether or not it would be reported. I was told the representative explained to me that it would be reported anyway. Despite contesting this claim, I asked if I could hear the recording and was denied. I was told Credit Bureau Services reports in the middle of the month and that they specifically reported to the credit bureaus on XX/XX/XXXX. I asked again, if I paid in full prior to the reporting date, why did they go forward with reporting. I was told it is their policy.
Consumer complaint received 2024-05-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. (CO)

On XX/XX/2024 I initiated a wire transfer for {$25000.00} from my personal Wise account to my personal XXXX XXXX account in XXXX XXXX XXXX XXXX. The funds were wired first to Citibank ( domestic bank intermediary ) but never arrived at my account in XXXX. XXXX reportedly partners with XXXX XXXX XXXX to provide the wiring services. The funds remain missing. I have numerous emails from XXXX support team advising that I contact Citibank to return the funds. However, Citibank emails claim that only XXXX can authorize an investigation or recall of the funds. After much pleading, XXXX reportedly issued a " recall '' of the funds but sent me an email today ( XX/XX/XXXX ) claiming this was unsuccessful and " there is nothing more '' they can do ( they provided no verification that they had actually made an effort to retrieve the funds on my behalf ). I also met with a XXXX XXXX XXXX XXXX locally in XXXX ( XX/XX/XXXX ) who couldn't help with researching the missing funds ( even though XXXX XXXX XXXX managed the wire ), in part because I don't have a banking account with them. I have a copy of the Wire Transaction Details ( with the XXXX XXXX logo ) indicating that the initial beneficiary bank is Citibank XXXX. I am now " stuck '' as XXXX won't assist, XXXX XXXX won't assist, and Citibank claims only XXXX can issue a recall. It seems Citibank has captured a {$25000.00} windfall that is my money ( which I desperately need ). 
My complaint relates to all parties involved, who have participated in the transfer of funds, and have been unhelpful at locating and returning the funds : XXXX, XXXX XXXX XXXX, and Citibank ( who I believe is holding the missing funds ).
Consumer complaint received 2024-05-30
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: OPTUM BANK, INC. (CA)

Re-submission of same claim as documented under XXXX, which, alas, has still produced no actual proof in support of the company 's claims that any terms and conditions documents were ever provided with the initial cards. To date, this has gone unproven, and I will continue to dispute what is undoubtedly a lie, until satisfaction is given! What proof will you provide that supports the allegations made? Please advise accordingly. Thank you. P.S., it would be in your company 's best interest to comply, so that I will put an auspicious end to this wholly disappointing course of conduct that your organization is so willing to perpetuate. I will not accept any outcome other than equitable indemnification of the misappropriated funds, and I have no intention of departing from that righteous path. As such, it would behoove you to alert your supervisors of this steadfast dedication to what is right, and simply return the wrongfully stolen funds.
Consumer complaint received 2021-11-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (NJ)

On XX/XX/21, I purchased XXXX on Coinbase XXXX. When I attempted to withdraw my investment the following day I was unable to because they restricted my account. 

I discovered that Coinbase and Coinbase XXXX  posted, on XXXX, that they were experiencing technical issues with XXXX and XXXX  and were working to resolve the issue. 

On XX/XX/21, I called Coinbase and was told they are investigating the matter and was given no further information. 

To date, my account remains restricted and I am unable to manage my XXXX portfolio. Many other customers are experiencing similar issues based on the XXXX feeds. 

Please investigate their bad practices.
Consumer complaint received 2019-12-05
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. (NV)

Experian does not report 2 credit card accounts I have had for years. account ending In : XXXX and account ending In:XXXX Experian deleted my accounts that I have with XXXX XXXX XXXX . I have not ask or requested to Experian to delete my accounts that are active. It seems I had this problem with Experian before with this same issue.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (ID)

On XX/XX/XXXX i called Wells Fargo regarding my account it is in the negative by XXXX dollars. There is absolutely no reason it should be in the negative. Wells Fargo has caused nothing but problems. Ive been a customer since XXXX. Wells Fargo is charging me from my payments I made but I clearly had money in my account to cover my transactions. When you go to purchase something from a company it automatically pulls the money from your account and holds it till it goes through so by then it deducts that. Amount from your account, well They are saying they authorize a overpayment my card features doesnt even have overpayment option so they do it outta kindness so basically they are charging me fees that they authorized and expect me to pay that if you look at my account I had the money to cover every purchase I made. They are crooks I didnt ask them to cover anything if I do not have enough in my account then it should be declined period!! I am not paying that I didnt ask for them to help nor the features on my card should not have allowed that. Customer service at Wells Fargo were very rude and had no communication at all they kept transferring me They did not know what they were talking about. I asked about XXXX hardship or inflation hardship. They do not offer help. I feel Wells Fargo is charging me for overdraft fees that clearly are wrong.
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

I paid XXXX XXXX in full on my Home Equity line. I tried to do a settlement option with XXXX XXXX in XX/XX/2021 to pay less than owed but they wanted me to apply for a settlement but I only wanted to pay them in full. They led me to believe that they may accept my settlement offer. That is the only reason that I did not pay them sooner as I had already sold stock in my IRA acct to pay them in full. The acct was closed and is still closed but they are reporting to Experian that the acct is still open and that I have not paid them in full when I paid them in full with a wire transfer on XXXX for the full amount owed of XXXX but they are still reporting to Experian and other credit agencies that the account is still open and that I am late for payments. I disputed this with Experian and provided them with the statement showing it was paid but they ignored it and still reported incorrect information.
Consumer complaint received 2019-12-05
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)

ive sent multiplie notices ftc statments, police reports regarding accounts that do not belong to me. I believe these accounts to belong to my father XXXX XXXX XXXX. I have never been in the XXXX or had A XXXX XXXX  account. 

Ive sent 3 sets of letters requesting the unverified / fraudulent information be removed. 
I have all of the certified mail reciepts and documentation. 

XXXX  replied back and said that I have provided them written letter saying those accoiunts were mine!!! I never did that! 
these accounts are from 2011 anyway and seem to be to old to be reported.
Consumer complaint received 2019-01-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial (MS)

Got a small loan with XXXX XXXX for the amount of {$800.00} they advised that I would not owe that much. When I called back they advised I owed {$2000.00} over double than what was borrowed. The company is taking advantage of the consumer in a financial crisis. I tried to pay what I borrowed and make arrangements but they refused and want to collect {$2000.00} on an {$800.00} loan.
Consumer complaint received 2019-12-05
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. (FL)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.