davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-26
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: BARCLAYS BANK DELAWARE (FL)

I purchased XXXX XXXX Blinds and used an IXXXX XXXX  XXXX XXXX XXXX installer in which I paid XXXX on XX/XX/2022. XXXX XXXX was responsible for measurement/ installation and for the blinds. I charged this amount XXXX to my XXXX XXXX. The measurement / installation and the blinds were all done incorrectly, the blinds have XXXX inch gaps on each side in which the sun can get right thru the window, the valance is bent and the sun can get thru the top of the valance in the living room. The blinds hang down and are not installed properly. I complained to XXXX XXXX and they did nothing to help. The measurement of the Blinds was done incorrectly, XXXX XXXX supplied incorrect blinds, and I complained numerous times to home depot, they did nothing, as If I had no other choice but to accept there terrible blinds that do not cover the windows. Since XXXX XXXX would do nothing to fix the issue, I called my credit card to dispute the charge for XXXX and XXXX not provided, defective product, and the merchant does not perform the services as described and refused to accept my return. Chargback codes- XXXX, goods and service not as described, or defective. I told XXXX that i only signed a contract on XX/XX/2022, i never signed anything that said i accepted the blinds / installation service, that is false. I only signed the initial contract to XXXX measure and install blinds by home XXXX and there install company. XXXX XXXX initially credited my account, then chargebacked my account stating i signed a document in which i accepted the job as is. I never signed anything that stated i accepted the job, that is false. XXXX XXXX did not defend my rights as a cardholder. I also supplied pictures in which XXXX stated that they could be incorrect pictures or airbrushed, that is a false implication from XXXX XXXX mastercard. XXXX XXXX XXXX did not live up to the issue of when a customer does not receive the correct item that they bought, plus installation and measurement are totally wrong and did not defend customer credit card rights.
Consumer complaint received 2022-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Early Warning Services, LLC (MO)

There were multiple XXXX $ transaction using zelle and XXXX XXXX $ transactions that I did not to do I do t know what they are for but it has made me behind on Bill 's and they tell me that it could b another 10 days b4 I can get my funds back and then it's only going to v part of them. I have called talked the the draud department multiple time on this
Consumer complaint received 2022-07-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: CARD Corporation (KS)

On XX/XX/2020 I got email stating temporary block to validate my transactions. Ive called emailed multiple times as per they requested via my email. Ive provided everything requested of me and so have my room mates yet card .com wont give me or any of us our money and so I called my depositor she gave me all my trace numbers to every deposit card.com has accepted and deposited yo my account was told review would take 24-48 hours as you see well over 24-48 hours they been holding peoples funds and refuse to send refund checks as weve requested as per thier terms an conditions yet they refuse when there is proof Ive provided that every time XXXX call my identity is verified yet 2 years later they still have peoples money and will not give it back. Ive lost my job my home my car my life because they refuse to give people thier money even after Ive provided trace numbers witch are verifiable and IF THERE WAS A PROBLEM WITH MY BENEFITS SHE WOULDNT OF GIVEN ME THE DEPOSIT TRACE # XXXX SO WHAT GIVES THEM THE RIGHT TO KEEP MY MONEY? ALSO THEY NEVER CONTACTED ME ONCE REVIEW OF TRACE NUMBERS I FAXED AND HAVE PROVIDED PROOF OF DOCUMENTS. I CALLED THEM TO SEE IF THEY RECIEVED THE FAX MAN SAID YES THEY RECIEVED IT AND THAT DEPOSITOR NEEDS TO RECALL THE FUNDS. I TOLD HIM DEPOSITOR SAID SHE CANT RECALL THE DEPOSITS 2 YEARS LATER. SHE SAID THEY ACCEPTED AND POSTED DEPOSIT TO MY ACCOUNT SO THEY HAVE TO GIVE ME MY MONEY. ALSO WHEN I CALL CARD.COM THEY TELL ME THERE IS A TEMPORARY BLOCK NEED VERIFY TRANSACTIONS ON MY CARD YET ONLINE IT SAYS MY CARD IS CLOSED AND THERES A XXXX BALANCE NO ONE CAN TELL ME WHERE MY MONEY IS AND ITS NOT WITH THE STATE EITHER. THIS COMPANY IS NO BETTER THAN XXXX XXXX  XXXX CARD.COM SHOULD FACE A {$220.00} XXXX PENALTY JUST LIKE XXXX XXXXXXXX XXXX CURRENTLY IS FOR DOING THE EXACT SAMETHING CARD.com DID TO THOUSANDS OF PEOPLE. Ive lost everything because of this company and they could care less. Your prepaid company its not your money. Remove block. Now give me my money. They also sent me an email XX/XX/XXXX stating they reopened my account yet that was a lie its still blocked and my money is gone.
Consumer complaint received 2018-09-12
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. (NM)

On XX/XX/2018 a negative report was submitted against me by XXXX XXXX XXXX XXXX ( " XXXX '' ) [ XXXX XXXX XXXX XXXX, XXXX, Oklahoma XXXX ]. The report references account no. XXXX and indicates there was a charge-off of {$100.00} on that account. 

I called XXXX and spoke with a nice lady who indicated over the phone that I am not responsible for the account - she could not give me any further details, because she is not allowed to give that information to people who are not on the account. Nevertheless, some how or another, this account has been tied to me and now reflects a negative mark on my credit rating. The nice lady to dispute the negative report with XXXX. 

I could not file a dispute with XXXX. So I disputed the negative and erroneous report with XXXX. I told XXXX about the conversation with XXXX. However, the negative and erroneous report from XXXX is still, nevertheless, on my credit record. XXXX  acts like it solved the problem, but clearly did not look into the matter or give it a modicum of thought. 

I sent XXXX another message regarding this situation, and got to speak with XXXX in the loan department. XXXX was very nice and explained to me what I had been told earlier, i.e., the account at issue is not my responsibility. XXXX/XXXX [ XXXX, ext. XXXX ] could not explain how the account/charge-off was filed against my credit rating as a bad report. XXXX suggested I dispute it again with XXXX. 

So, this morning I filed another dispute with XXXX. We'll see what happens, but I'm not going to hold my breath with that outfit. 

What I ask of the CFPB, and hope for, is that the erroneous report filed against my credit rating should be completely removed from my credit background/report as it may be curated by ( 1 ) XXXX, ( 2 ) TransUnion, and ( 3 ) XXXX. Since XXXX admits the account/charge-off has nothing to do with me, and that I am not responsible for it, there is no reason why the report should have been filed against me in the first place, or why any reference to such a dubious and inaccurate piece of work should remain on file against me. 

I also ask the CFPB to communicate with XXXX regarding this matter, in as much as XXXX may be of some help in getting the bogus report removed from my file ; also, perhaps the CFPB can better determine how this bogus report came about in the first place. So far, nobody seems able to explain that one. 

I am really at a loss to understand how something this sloppy and clearly wrong can be so hard to fix. The financial sector doesn't hesitate to wreck your credit if you owe them even a thin dime, but they sure as XXXX can not or will not get it together nearly as quick when it comes to fixing something as clearly libelous and wrong as what they have done to me in this case. 

CFPB, please help.
Consumer complaint received 2022-07-26
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. (NV)

I HAVE DISPUTED WITH EXPERIAN/XXXX  and XXXX OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWSXXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry XXXX XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX OF XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; CXXXX XXXX XXXXnquiry Date XXXX1.I DO NOT RECOGNIZE THESE INQUIRES AND XXXX CREDIT BUREAUS STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.
Consumer complaint received 2022-07-26
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. (NV)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$1100.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$1100.00} ; XXXX XXXX Balance Owed : {$21000.00} ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-06-06
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN HONDA FINANCE CORP (MA)

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-06-06
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. (CA)

XXXX XXXX XXXX XXXX ACCOUNT # XXXX THIS ITEM IS UNVERIFIED ACCOUNT. Company has NOT provided any original documentation that you have on file required under section 609.
Consumer complaint received 2022-07-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (SC)

I am aware that my SOCIAL SECURITY NUMBER belongs to the ( SSA ) SOCIAL SECURITY ADMINISTRATION and anything purchased with that Identifying number is as obligation of the UNITED STATES in accordance with 18 U.S.C 8 and being that you, PAYPAL is attempting to collect a debt from I, the consumer makes you, PAYPAL, guilty and in violation of the FALSE CLAIMS ACT ( FCA ) 31 U.S.C 3729-3733.

PAYPAL IS ALSO IN VIOLATION OF 18 U.S.C 894 FOR USING MY CONSUMER REPORT WITH EXTORTIONATE MEANS AS A WAY TO COERCE AND SWINDLE ME INTO MAKING PAYMENTS ON ALLEGED DEBT NOT OWED. I DID NOT CONSENT AND DO NOT CONSENT TO YOU PAYPAL FURNISHING THIS INFORMATION TO MY CONSUMER REPORT. I did not give you authorization or permission to have my personal identifying information, which you have obtained by AGGREVATED IDENTITY THEFT in accordance with 18 U.S.C 1028A.

THIS A NOTICE TO CEASE AND DESIST OF ALL ILLEGAL ACTIVITIES, INCLUDING REPORTING WHICH CONSTITUTES COLLECTION ACTIVITIES.

THIS IS ALSO A NOTICE EXERCISING MY RIGHTS TO PREVENT THE PROCESSING OF MY PERSONAL DATA BY PAYPAL FOR THE ( 1 ) ACCOUNT OPENED : XXXXXXXX XXXX ACCOUNT # XXXX
Consumer complaint received 2022-07-26
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: Absolute Resolutions Corp. (PA)

I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as a collection with a PAST DUE BALANCE of {$480.00}. As well as several other inconsistencies, such as OPEN DATE of XX/XX/XXXX with a LAST PAYMENT DATE of XX/XX/XXXX. This can not be correct in any way, since this would mean the account was paid on before it opened.
Consumer complaint received 2022-07-26
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. (NV)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, 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 Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} ; XXXX XXXXXXXX Balance Owed : {$21000.00} ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-03-24
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. (UT)

I have a collection account through XXXX  insurance. The total shorn on my report was XXXX XXXX When I called XXXX  there was no single debt for that amount but there was XXXX  old debts that added up to roughly that amount. I paid them both and made sure there was no other debts owed. They agreed to remove it from my report. Transunion has performed XXXX  disputes since then and still shows I owe it. I appear to be stuck in a loop. If a debt never existed for that amount and I paid off what was actually there, how can this remain accurate?
Consumer complaint received 2022-07-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (TX)

Finally I was able to speak to Truist representative. I asked to talk to the supervisor. Previous person tried her best not to let me talk to the supervisor. When i asked to close the account- she asked me to go to the branch. I can not go due to pandemic. After almost 45+ minutes on the line at XXXX XXXX - I was able to speak to XXXX XXXX XXXX From her voice and speech- it was very clear that she is still sleeping. I asked her the reasons for these {$36.00} fees being charged thrice in last 8 days. She stated that if the account balance is negative -they charged fees every 6 days. As she was not willing to waive off these fees and put the future fees on hold, i asked to close the account. She said that account needs to be having +ve balance otherwise it can not be closed. Supervisor is stating a different reason than the previous person. I said if you keep on charging fees- how the account will be +ve. 

I want this account to be closed with all the fees being waived off. I have already setup ACH transactions from my XXXX bank to make this account balance positive but if Truist keep on charging me fees- I can not help. 

Moreover their customer service can't spell out the names correctly. I felt bad that my last name is spelled in such a way that it sounds like curse.
Consumer complaint received 2018-11-20
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 complaint is regarding the accounts XXXX   XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX After sending dispute letters to Transunion, it came back verified, I was extremely dismayed. The verification process must be flawed! How is it possible that they were able to verify the accounts when they can't even send me as to how they did their investigation? I have contacted the creditors asking them to validate but they did not prove documentation or response. CFPB please amp up and remove the accounts, I promise they have nothing to do with me
Consumer complaint received 2018-11-20
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)

I have some credit checks on my report which will expire in the coming weeks. Transunion lowered my score by 31 points to sabotage the benefits I will receive from these credit checks being removed. They lowered my score for no apparent reason when virtually nothing negative occurred on my credit report. It was intentional and abusive.
Consumer complaint received 2022-07-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (TN)

Sent money via Wise- several went through, then a couple were held up for " review ''. Was told it was a " random regulatory audit '' but then my account was frozen/suspended and the money didn't go through. When I inquired why, they told me it was because I was purchasing " cryptocurrency '' which was not the case. I appealed the matter and they denied my appeal without any evidence or support for their baseless accusation.
Consumer complaint received 2018-11-20
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. (ID)

This complaint is regarding the accounts XXXX XXXX, XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX   XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX   XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX After sending dispute letters to Experian, it came back verified, I was extremely dismayed. The verification process must be flawed! How is it possible that they were able to verify the accounts when they can't even send me as to how they did their investigation? I have contacted the creditors asking them to validate but they did not prove documentation or response. CFPB please amp up and remove the accounts, I promise they have nothing to do with me
Consumer complaint received 2018-11-20
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. (ID)

This complaint is regarding the student loan XXXX   XXXX. After sending dispute letters to Equifax, it came back verified, I was extremely dismayed. The verification process must be flawed! How is it possible that they were able to verify the accounts when they can't even send me as to how they did their investigation? I have contacted the creditors asking them to validate but they did not prove documentation or response. CFPB please amp up and remove the accounts, I promise they have nothing to do with me
Consumer complaint received 2022-06-20
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. (FL)

in accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX at XXXX Account # 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.