davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. it is plainly stated that a failure to investigate these items within 60 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will take action due to the stress you caused me. My information was also may have got into the hands of the wrong person
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2022-01-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (TX)

Previously submitted a complaint about the same issue. Caliber Home loans were XXXX for taxes and insurance when the loan was set up without XXXX. I received an email both from Caliber & CFPB stating the situation was resolved ... and they are no longer escrowing - but now they won't refund the {$9200.00} they have already collected.
Consumer complaint received 2021-09-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TransferWise Ltd (NY)

This complaint is about XXXX, formerly known as Transferwise. 

On XX/XX/2021, I took a XXXX car service from XXXX XXXX airport. As this is a car service ordered through an app, the price is already set when you request the ride. When I accepted the ride, the price showed XXXX. However, I was subsequently charged XXXX. When I contacted XXXX regarding this, they claimed the driver manually added an additional short-term parking fee as well as a longer ride fee. When I explained to XXXX that the driver did NOT have to pay the fee, citing that there was no wait time and XXXX  has a specific area for ride service pick-up and no fee is charged to the drivers, XXXX  ignored this information and refused to credit the difference. Additionally, the driver intentionally took a longer route through central XXXX while he spoke on his handheld device and frequently stopped. A ride that should have taken approximately 1 hour took 1 hour and 52 minutes. 

XXXX  still refused to refund the difference of what was overcharged, so I then contacted XXXX  about the issue. It has now been two weeks and after first claiming that the would submit a chargeback, XXXX  is now refusing to dispute the transaction, despite me explaining that at no point in the XXXX app does the word " estimate '' come up, nor did it state that I would be charged additional fees for airport pick-up when I ordered the service. I do not believe that XXXX  is following US banking regulations in refusing to submit the dispute.
Consumer complaint received 2021-04-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (TX)

I requested my Citibank checking/savings account closed ~May of XXXX. Since that time, I have communicated with citibank almost monthly ( and ~ bi-weekly since XXXX XXXX ) regarding my missing funds ( ~ {$1600.00} XXXX which were to have been returned to me back in XXXX. 
Every time I call I have to try several options to get an agent, since I never received my account paperwork and thus do not have an account number. I do however provide my SS # which their auto system does not recognize, but when I finally get a service agent & they do some research, they indeed find my account. After long holds, repeating my story, etc. they agree to look into the matter further/get my refund mailed and state they will call me ; they never have. Additionally, when I call they have problems finding any records or notes from previous calls ( possibly due to being overseas? ). This is very frustrating and results in long explanations, holds, etc. Apparently Citibank service center in XXXX XXXX, TX processes these refunds and I have even offered to drive there to retrieve my check. Each time however, my call ends with them promising to put in a ticket to the " back office, '' and escalate my matter to no avail. A few times they have said " check is on the way, '' but never has been. 

Background : I had opened this account online prior to a XXXX and initially funded the account with the ~ {$1600.00}. I never received the hard copy bank documents as I was out of the country when they were sent. Citi says they sent them and tried again, but the friends we had staying in the house said nothing ever arrived. I then gave Citi a forwarding address to which I later was told ( in Fall XXXX XXXX that i had to submit an official letter stating that they could send the check from the closure to the new address. I faxed to the number they provided and Citi stated they never received, however I also mailed it. After a few attempts they confirmed they received the mailed copy. That was approximately XX/XX/XXXX. Since that time they said all was good to go, and it will take 10-15 business days for the check to arrive. I even received an " updated address '' letter from Citi at the new address. Yet, after each call, I wait and the deadline passes ; I go through the same rigamarole again/call and they either have stated there was a glitch, or it was input wrong by an agent ... and once again, they will escalate to " the right department. '' This last time, XX/XX/XXXX, they promised once again they would " personally '' call me back. And of course, again, no call, no check. I have spent hours of my life dealing with this fumbled closure and disregard.
Consumer complaint received 2021-04-14
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. (TX)

These accounts are not mine. Please check and investigate the origins of these accounts. I do not recognize them at all but I am tired of this situation. Why does it take so much time to do something towards my situation? Its not fair at all that I have fake accounts in my own profile.
Consumer complaint received 2018-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (RI)

I was going through my credit report last month and noticed several credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of these creditors and credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them, I being giving run around. I've also personally wrote to the credit bureaus to look into this, and I just received auto template mentioned that I need to contact the Creditors/Companies that I haven't authorized them. I do not believe I authorized anyone employed by these companies to make any inquiries and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and would like these hard inquiries removed completely from my credit file :
Consumer complaint received 2021-03-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX a person who claimed to be an owner of a home and was renting it via XXXX sent an email to us after we were interested in it. They claimed to be the owner XXXX XXXX, and sent us a rent questionnaire. My son was the the one who was answering the email replied to all the questions and sent it back to them. They talked back in forth answering questions, they later told us they would have a final decision on who will rent the home. A day later they told him that we had won them over and that we will be able to rent the home. At this point I gave them my trust as they sent a whole paragraph with the word of XXXX, and being religious I believed them. 

The email told us to send in the security deposit of {$1900.00} and that way I would secure the home to me. They assured us that they would send the key to me once that is done. They then told us to send it to a man name XXXX XXXX who they claimed was his account manager, along with his email XXXX through XXXX. My son sent it to them thinking we were about to get the keys to my new place. But a day later he received another email saying that their attorney wanted the first months rent of {$1900.00} for this to be legal. We complied as I was still sure that I would get the keys. My son sent the money through XXXX to who he claimed was his wife XXXX XXXX with her email being XXXX. 

Days past and it has been over a week from when the money has been sent with no response back. We have reached out multiple times, but nothing. Nothing has come through the mail either, as they claimed the keys would be sent to my address. I am now sure that I have been scammed and robbed of {$3900.00} by these people. 

Chase and XXXX have both told me that they won't recover my money. They said they couldn't dispute it. So what they did was try to contact the recipients bank to make a dispute with them. They later sent me a letter saying nothing can be done. Although this should absolutely fall under fraud, I have been robbed of {$3900.00} and they won't do anything about it, and they would rather protect the criminal.
Consumer complaint received 2022-01-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated (TX)

XX/XX/XXXX I received letter from CACi XXXX Consumer Adjustment Company Inc ) stating I owed over {$600.00}. When I called to get details, I was told it was for the balance billing of an XXXX visit on XX/XX/XXXX. I advised agency I never received a bill, had XXXX coverage at that time who would have been financially responsible. XXXXXXXXThe phone rep dvised me could file a dispute online. Thanked him and said I would send a certified letter for debt validation. 

Mailed debt validation letter and debt dispute letter by certified mail on XX/XX/XXXX. As of XX/XX/XXXX, I have received no further correspondence or communication, but discovered CACi reported the debt to XXXX on XX/XX/XXXX without validation or further communication to me. This was discovered during process of buying some land. Loan terms ( interest rate were raised due to negative reporting ). 

Since I had an HMO then, the XXXX charges would be between the provider and insurance company ; I am to be held harmless. If the XXXX had billed timely, I could have followed up with XXXX  on payment ; however, after this length of time, I no longer have the coverage and it is outside the window for appeals. 
Further, TXXXX XXXX XXXX XXXX - Title 2 and Title 6 have a statute of limitations on medical billing and collections. This timeline is outside of both.
Consumer complaint received 2022-12-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XX/XX/2022, I previously notified you that I am a victim of identity theft, and requested that you do the following : Please stop contacting me about the debt, I do not owe. For the following accounts : Acct # XXXX I had enclosed a copy of my identity theft report with the written letter I sent out in XX/XX/2022 Because the information you are sending me is the result of identity theft, and inaccurate. During the time this account was open, I was suffering from XXXX XXXX and XXXX and had a caretaker taking care of my things. I have reported the perpetrator to the FTC as instructed. I did not authorize, participate or benefit from this account, I still have not received written confirmation of these actions.
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. it is plainly stated that a failure to investigate these items within 60 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will take action due to the stress you caused me. My information was also may have got into the hands of the wrong person
Consumer complaint received 2022-01-26
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. (MA)

Hi XXXX, XXXX, Experian, & CFPB ; I'm a little surprised and shocked that both XXXX  XXXX and XXXX XXXX XXXX are still reporting inaccurate, and incomplete information on my credit report, but yet, your agency mentioned on previous dispute results that the dispute has been resolved. How can it be resolved if it continues to report the same previous negative, incomplete, inaccurate, and unverifiable information? For example, still continue to report different dates of XXXX, XXXX, XXXX, questionable balance, and inconsistent payment history and payment status. Delete for still multiple inaccuracies. It's my understanding from reading the recent articles from the Cfpb website that each of the credit bureaus, XXXX, Experian, and XXXX relied heavily on template complaint responses instead of providing meaningful and thorough responses to consumers, despite having up to 60 calendar days to respond. What was the method of your investigation from my previous disputes? Who did you talk to? How can you truthfully say that it was verified if all those items are still reporting with multiple inaccuracies and incomplete.
Consumer complaint received 2023-08-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Block, Inc. (LA)

I have had nothing but trouble it seems with cash app. I have used the service to send and receive money and also used their XXXX card they provide you with to make purchases in store and online. About a year ago approx there were some charges made to my card that were unauthorized by me and I filed disputes. They said it was nothing they could do but when some of the charges were credited back to my account cash app turned around and deducted the amounts and when I asked why they could not tell me. They never did explain or credit them back to me. So I got another account about six months ago I guess and Ive been sending and receiving money and using the XXXX card they issued in my mobile wallet with no issues so to speak I then ordered a physical card 6 days ago. I opted for the premium card that cost over {$5.00} just to get. I got an email saying my card he been approved and would e sent to me in the following days. I received the card today in an envelope addressed to me at my home address and inside was the card stock sleeve the cashapp XXXX card was attached to and saying things like Tap to pay Instant Discounts Atm Access and a QR code that says scan code in cashapp to activate card But when I try to do that it says it cant be activated. I try punching the into in manually and it stills says it can not be activated. So I reach out to support at cashapp and they research the issue and come back and tell me my card is deactivated and can not be activated. When I ask why they say that is all the info they have. I ask for them to refund the money I was charged for that was deducted from my balance on cash app if they would not be giving me a card and I was told they could not do that and that was the end of it. I have had so much turmoil with this company that Ive considered having an attorney handle a suit against them for a number of things they have done to me and for the problems they have caused by their incorporation. If they are allowed to keep doing innocent people this way and getting away with it issues will only get bigger and more common.
Consumer complaint received 2019-03-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (MS)

I have reported the alleged account several times. I filed a police report as well. The company is constantly contacting me. They will not provide me with a signed application or a photo copy of my identification. Every representative that I have spoken to confirms that there has been several calls from another customer trying to reopen the account. By law I have the right to request certain documents from the creditor who is claiming I owe them debt. Someone used my information without my permission and this bank refuses to accept that they are at fault for this.They also sent me a letter stating they have a {$0.00} fraud liability policy which means I am not responsible for any unauthorized transactions.
Consumer complaint received 2023-08-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc. (NJ)

The limited was closed. Reported on my credit Report as closed paid as of XX/XX/23 when credit was pulled, Not negative reporting see attachment exhibit 1 - then on XX/XX/23 reported as 30 days past due. This was already paid never late. Comenity is at fault and they refuse to correct. I have two their account both paid on time never late, why would they give me other credit cards if I was late? Im so angry and disappointed that someone doesnt take the extra time to look at this and know its a mistake on Co entity part. See attachments my next step is to get an attorney.
Consumer complaint received 2019-10-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JSZ Financial Co., Inc. (TX)

Upon attempting to lease an apartment in Houston after completing and graduating college in XXXX XXXX, I was informed of a collections on my credit reporting history. I took the steps in order to dispute this credit, but XXXX and XXXX   referred me to hiring a company to handle the issue. I reached a letter dated XX/XX/2019 from JSZ Financial acknowledging my dispute efforts. Attached in the letter was what appears to be a printout of what they determine the amount owed might be with no details, no original contract, and no verification of this debt being mine or unpaid. On XX/XX/XXXX, I reached out to JSZ Financial via certified mail asking for why they believe this debt is mine, the amount and age of the debt ( with supporting documentation ), and details about their authority to collect this debt. I inquired for these documents for debt verification, but only received the same incomplete, what appears to be a printout of amount owed dated XX/XX/2019. I am unable to receive a true verification of this debt as they only send me this printout despite verification and documentation requested. If there is no verification and documentation, then I have no obligation to this debt and it should be removed from my credit report.
Consumer complaint received 2021-09-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that PORTFOLIO RECOVERY would verify the debt. So I took it upon myself to ask PORTFOLIO RECOVERY for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.