davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK (NV)

I was shocked when I reviewed my credit report and found 60 days late payment on the dates XX/XX/XXXX and 30 days  late payment on the dates XX/XX/XXXX, XX/XX/XXXX . I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified account listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE THE ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXXXXXXBalance {$0.00}
Consumer complaint received 2019-08-27
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (IN)

I opened a credit card account in 2018 with SEARS/CITI to save a few dollars on an in-store purchase. I have called them twice and closed the account, but I'm still receiving Bills of {$0.00} and they keep sending me blank checks to transfer debt that I don't have.
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: 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 XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-26
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: Chime Financial Inc (FL)

I Ordered what I thought was a living lemon tree on XX/XX/21 from XXXX. When it arrived, it was a plastic lemon tree. I immediately went on XXXX  and said that I want a refund and that I would send the item back. I then sent the plastic tree back. No refund was given by the merchant. Finally, ( and unbelievably ), XXXX actually denied my dispute about this even though I sent the tree back, which is crazy! I appealed and supposedly chime reopened the dispute. Also, I spoke with XXXX  again and XXXX  says it gave me {$55.00} credit but none has yet shown up in my credit account, It has now been two weeks since then. I don't understand how this dispute could have been handled so badly, Or why I don't have the money back yet? Please help.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Logged in to place a temporary thaw earlier in XX/XX/year>- this had no issue, nor any previous time logging in to temporarily thaw my credit. 

On XX/XX/year> I logged in and was shown that my account was suspended and I had to contact them through social media or a phone number. 

The phone number went to an off-shore call center where they asked for the entirety of my personal information including last XXXX of social and birthdate, and then they were able to remove the account suspension but could not give a clear reason for why my account was suspended. 

This seems like a major issue as not everyone will have luck contacting a company through XXXX formerly XXXX, and it doesn't really make sense for us to need to give some random, untraceable off-shore call center employee all of our sensitive personal data, just to reverse an arbitrary, undefined, unclear account suspension, in order to unfreeze credit.
Consumer complaint received 2018-10-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Trident Asset Management, L.L.C. (CA)

I HAVE NEVER OPENED AN ACCOUNT WITH XXXX XXXX. LET ALONE OWE THEM " {$190.00}. " ( TRIDENT ) IS MAKING MY LIFE UNBELIEVABLE ... I CAN HONESTLY SAY WITH CERTAINTY AND TRUTHFULNESS THIS XXXX WHOMEVER THEY ARE ... THIS IT'S NOT MY ACCOUNT PLEASE CORRECT YOUR  ERROR AND LEAVE ME ALONE ... ENOUGH!
Consumer complaint received 2018-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (TX)

I have a credit card that is open with you all. While I initially thought you all were a good fit, yall have been nothing more than a headache for me and my family. First when making my second payment, discover had it marked on their site that I wanted the full payment made. This put me in a tight spot and roo all of my funds out of my account and sent me into overdraft. I was livid and called and spoke to 2 supervisors, none of them helpful at all in fact they told me maybe qe could go qithout groceries or not leave the house so we were not using gas. I had just found out I was pregnant and lost my job all in the same day. I was really reassured I would have better service seeing my husband has had great experiences. Unfortunately, I had to call my bank and cancel the payment, which made it seem like I was late. I called Monday and made my payment but they persisted I pay XXXX. I said no, finally the rep said we will help you with this and dont worry. So the next month it still shows I have a late fee then this month I got an email saying I was late again. After speaking to a rep at the end of XX/XX/XXXX who again assured me no your payment will only be the XXXX and change payment. But no, I got a passed due bill last night. You guys are fraud and phoneys!! Im taking this to XXXX as well as my local TV station and will blast yall anywhere else. No-one gets back
Consumer complaint received 2021-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (NM)

XX/XX/2021 A CHECK FOR {$42.00} WAS PAID BY THE BANK. THE INFORMATION ON THE CHECK WAS CLEARLY COPIED AND PASTED INTO THE CHECK AS WELL AS THE SIGNATURE, I CALLED THE BANK TO ADDRESS THIS FRAUDULANT TRANSACTION AND A FREEZE WAS IMMEDIATELY PLACED ON MY ACCOUNT, DENYING ME ACCESS TO MY FUNDS UNTIL " PENDING DEBIT CHARGES HAD BEEN POSTED, '' AT WHICH TIME THE BANK WILL CHANGE MY ACCOUNT NUMBER. I WAS INSTRUCTED TO MONITOR MY ACCOUNT FOR THESE " PENDING '' CHARGES TO POST. WHEN I ATTEMPTED TO ACCESS MY ACCOUNT, VIA MY ONLINE ACCOUNT, THE BANK HAD LOCKED ME OUT OF MY ACCOUNT. NOW THE BANK IS REQUIRING ME TO FILL OUT " FRAUD '' DOCUMENTS WHEN THE RESPONSIBILTY FOR THIS LIES SOLELY WITH THE BANK. 
IT IS MY BELIEF THAT MANY RETALIATORY ACTIONS HAVE BEEN TAKEN AGAINST ME/MY ACCOUNT FOR PAST COMPLAINTS I HAVE FILED. 
MY ACCOUNT REMAINS FROZEN AND MY FUNDS UNAVAILABLE.
Consumer complaint received 2019-08-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Re : Notice for Proof of Claim Account : ENHANCED RECOVERY COMPAN # XXXX**** To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. 
The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to  collect this debt.
Consumer complaint received 2018-10-06
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: WESTERN UNION COMPANY, THE (TX)

Tracking number XXXX XX/XX/2018 transfer amount {$170.00} USD Total pay in cash {$180.00} exchange rate XXXX XXXX Tranfer amount XXXX XXXX Western Union has yet to correct the convertion mistake they made and are requiring I pay more money for them to correct their mistake. I have called several times and emailed all requested documents proving the failure to convert the correct amount. Several cases have been created to in attempt to resolve the issue.
Consumer complaint received 2019-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MD)

On XX/XX/XXXX I went online to Experian and tried to unfreeze my credit report as I am trying to prequalify for a mortgage. Although I keep careful records, the pin number I entered was apparently incorrect. After several phone tries, I finally got through to XXXX who, after XXXX minutes of having me try to unfreeze it online ( even though I told him the pin would not work ) finally told me he could overnight mail to me a pin for a {$20.00} charge. I agreed to the fee and he said it would be overnight mail to arrive by XXXX on XXXX. 

Today I went home - took an hour off work - a little after noon to find there was no Fed Ex envelope. I called Experian and was connected to XXXX. XXXX told me that it was not yet XXXX XXXX time - I was not informed that the delivery would be based on XXXX time! Then I asked her for a tracking number so I could track delivery and know when it got delivered so I could retrieve my envelope. XXXX could not provide a tracking number. I then responded with the fact that without a tracking number we really do not have any way to know if the document actually was sent on XXXX as promised for XXXX delivery. She responded that was right. With that, I asked to speak to a supervisor ... 

XXXX put me on hold for a minute and said the supervisor said I should give it more time and call back in a few hours. That was not what I requested so I again asked to speak with a supervisor. XXXX proceeded to tell me what she was told and that I could not speak to a supervisor. I asked again and she finally transferred me. After several rings the phone was picked up and immediately placed on hold. I sat on hold for 28 minutes ( screenshot of my phone is attached - of the 36 minutes of the call, 28 minutes were on hold ) at which time I had to finally hang up as I was back at work. 

None of this is acceptable ... taking care of the customer aside, the fact that the pin number to my account may or may not have been mailed to me ( or somewhere else? ) and there is no tracking number is just another example of the poor job Experian does of protecting our information ... As for customer service - the only service they offer is really low quality, uninformed, and an " I couldn't care less about your problem '' attitude. As for the supervisor ... that person should be fired! 

This is a credit monitoring company. How can a company responsible for such sensitive information about citizens be so careless in their work and still be able to operate.
Consumer complaint received 2018-10-06
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)

In XX/XX/XXXX, someone attempted to add themselves to one of my credit cards along with changing my address. XXXX XXXX emailed me and I closed the account. I then receive a letter from XXXX wanting information on a credit application. I contacted the institution in XX/XX/XXXX and closed the application process. They removed the account from my credit file. When I received my credit report because of these issues in XX/XX/XXXX, I noted an account with XXXX/XXXX which I never applied for on my credit report. I contacted them and was advise I would get a letter to reply to it. Never received. I disputed the account with the credit bureaus ; however, Experian will not remove the account after twice providing details to them. I put a credit freeze with Experian since most of the issues appear to be related to their credit reports. I have also filed a dispute with XXXX. They are in the process of investigating my dispute. I have never visited a XXXX nor would I get a gas card from them.
Consumer complaint received 2018-10-12
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. (NV)

Please remove the collection account XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX   ). The account which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft I disputed the account with Transunion but they did not help me..They never gave me any evidence proving the account as mine..CFPB please do something about this and remove the account
Consumer complaint received 2018-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

There are unauthorized inquries on my report that i haven't initiated i have no connections with these companies and asked that they be deleted from my report. Items listed below XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/ XXXX XXXX XX/XX/XXXX XXXX XXXX/ XXXX   XX/XX/XXXX
Consumer complaint received 2019-09-05
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: VW Credit, Inc (CO)

On Friday, XX/XX/XXXX I totaled a vehicle that was leased from XXXX with Volkswagen Credit as the financier and lease servicer. 

At the time I was 3 months behind on payments, which I agree I owe. This should make the total amount that I owe roughly {$1000.00}. 

After totaling the car I submitted a claim with my insurance company the same day, the company agreed the car was totaled by the following Monday, XX/XX/XXXX, and began to work with XXXX to resolve the lease. 

XXXX failed to supply the correct paperwork to XXXX which prolonged the time that it took to complete the insurance claim, which allowed them to bill me for XXXX additional car payments following the date that the car was totaled, the date that XXXX agreed it was totaled and began to work with XXXX to make them whole. 

I have an issue with being responsible for an extra {$700.00} of car payments that were the result of a clerical issue by XXXX. This seems like it's a conflict of interest. By purposefully submitting inaccurate information to the insurance company they are able to prolong the liability of payments to receive more money.
Consumer complaint received 2019-08-27
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. (GA)

I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me, as I am a victim of identity theft. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The FCRA section 605b states that this matter should be addressed within 4 days yet, I have been ignored and violated by TRANSUNION for months now. The accounts are listed here below. Bankruptcy Chapter XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX
Consumer complaint received 2023-01-03
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. (SC)

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

XXXX XXXX XXXX XXXX  # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-03
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)

Comfirmation Number # XXXX I will like for your company to send me documentary evidence on the people your company did interviews on send to the above address. 

Pursuant to the FCRA Fair Credit Reporting Act 15 U.S. Code 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX {$570.00} XXXX XXXX {$1300.00} XXXX XXXX XXXXXXXX {$0.00} XXXX {$0.00} XXXX XXXXXXXX {$0.00}