davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (FL)

I, XXXX XXXX, am requesting for CHIME BANK ( The XXXX XXXX ), to Refund my Dispute against XXXX XXXX the Amount of {$190.00}. Date of Transaction : XX/XX/XXXX. XXXX XXXX canceled the Flight from XXXX Texas to XXXX Florida for ALL Passengers and they are saying the member did the cancelation when I have not done so. Now money is sitting in my XXXX XXXX Account as a Credit to be used no later than XX/XX/XXXX. XXXX XXXX has mentioned multiple times that they will go ahead and refund the full amount of {$190.00} back in to the account that was used to make the purchase. ( Chime Bank Debit Card ) and to please allow up to 7 business days to the refund to be into the account. Since XX/XX/XXXX there has been no refund of the amount of {$190.00} into my Chime Bank account. I have called and emailed Chime Bank as well and also have gotten no where. Now I am tired of disputing this with both the XXXX and the Bank and I am going to you and to the XXXX : XXXX XXXX XXXX and file a complaint against XXXX XXXX. I am now requesting for the FULL REFUND Amount : {$190.00} and plus Interest for this Delay and waiting and Financial Hardship and Due to this COVID19 which is what XXXX XXXX as well mentioned but still neither party has resolved this issue. PLEASE ASSIST!
Consumer complaint received 2021-03-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (AL)

I'm having trouble with Equifax I've had over 16 disputes with XXXX XXXX reporting ln accuracy on my credit file.. Now Equifax isnt allowing me to log to my.equifax .com account to check the status of my dispute. My account is now monitor over seas and everytime now i have to call..XXXX XXXX  ... Equifax is Retaliation against me for reporting to CFPB and Federal trade commission about XXXX XXXX reporting in accuracy on my credit file for over 425 days I been dealing with this matter.. If you check your records of this complaint same thing thats keep happening over and over ... When i try to log in it keep tell me username and password in correct, I know it not correct because I have username and password save in log Thats a way to keep me from checking on the status. of my complaint, ,XXXX XXXX is doing damage to my credit file..I keep getting denied for a mortgage loan to be able to purchase my first home..I have sent my document of proof to CFPB and Equifax over 4 times, this matter is getting so frustrating,,, Im stressing out over this matter all Im asking for fair justice ..investigate this matter to help me get it resolve.. I know this going to be forward to Equifax going to sweep under the rug and report the same old BOLOGNA!!!! CFPB please protect me and my this matter right ... it will be greatly appreciate ... And why this matter is global  instead of USA
Consumer complaint received 2023-08-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (IN)

Cash App Support Subject : Unauthorized Transactions and Reimbursement Request To Whom It May Concern, I am writing to address a concerning and ongoing issue regarding unauthorized transactions on my Cash App account, which have resulted in a total loss of {$2000.00}. Despite my consistent attempts to resolve this matter through various channels, I regret to inform you that the situation remains unresolved. 

Beginning in XXXX, I noticed several unauthorized transactions on my Cash App account that were made without my consent or authorization. These transactions amounting to {$2000.00} were undoubtedly the result of fraudulent activity that I had no knowledge of or involvement in. As soon as I identified these unauthorized charges, I promptly contacted Cash App support to report the issue and request a reimbursement in accordance with your company 's policies and consumer protection laws. 

Unfortunately, despite my repeated attempts to communicate and collaborate with your support team, the matter has not been resolved in a satisfactory manner. I have followed all necessary steps to provide evidence of the fraudulent transactions and to ensure that my account 's security is reinforced. However, I have received no assistance in recovering the funds that were taken from me. 

I believe it is essential to highlight that this situation not only constitutes a significant financial loss but also reflects a breach of trust in your company 's ability to secure its customers ' accounts and provide timely and effective support. I urge you to address this matter urgently, thoroughly investigate the fraudulent transactions, and take the appropriate measures to reimburse the {$2000.00} that was wrongfully deducted from my account. 

I expect a prompt response and resolution to this matter within 15 Days from the date of this letter. Failure to address this issue adequately may leave me with no choice but to explore further legal actions to protect my rights and interests as a customer. 

I appreciate your immediate attention to this matter and your commitment to upholding the security and integrity of your services. Please feel free to contact me at [ your phone number ] or [ your email address ] if you require any additional information or documentation to expedite the resolution process. 

Thank you for your prompt action in this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-02-08
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: Experian Information Solutions Inc. (CO)

I am filing a formal complaint against Experian for their failure to adequately respond to a dispute letter that I mailed on XX/XX/2023, requesting an investigation into inaccurate items on my credit report. In my dispute letter, I outlined several items that I believe are inaccurately reported, including entries such as XXXX  XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX - XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and a bankruptcy Reference Number : XXXX. Additionally, I disputed incorrect personal information listed on my credit report. 

To assist Experian in verifying my identity and address, I included copies of my photo ID, social security card, and a recent bill with my current address. 

Despite mailing the dispute letter and providing necessary documentation, I received a response from Experian, dated XX/XX/2023, indicating that they were unable to process my request because it did not appear to have been sent directly by me or an authorized third party. This response demonstrates a failure on Experian 's part to recognize the legitimacy of my dispute and to comply with their obligations under the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, credit bureaus are obligated to conduct a reasonable reinvestigation when the completeness or accuracy of any information is disputed by the consumer. It is clear that Experian has failed to fulfill this obligation, thereby infringing upon my consumer rights.
Consumer complaint received 2019-09-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: P.S.C., Inc (AL)

There was a Notice and Demand for Payment to recoup the exact value of the illegally collected debt in the amount of {$450.00}. It is accepted that Puget sound Collections, by not validating the alleged debt, are the illegal collectors of this debt and are personally liable for this amount of debt in this Notice and Demand for Payment. Though validation of this debt was attempted through mail, no validation occurred and the debt is being collected illegally.
Consumer complaint received 2019-01-03
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 — Investigation took more than 30 days
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

Early in 2018, I filed for CH XXXX bankruptcy. During this time, I was 100 % payment history on my auto loan. During the bankruptcy, they took away my permissions to pay online, so I attempted to call in. They assured me that there is no issue, and I will be able to make payments online shortly. I called a few times during my bankruptcy to try to make a payment, but was unable to. When The bankruptcy finalized, they told me I'm over 3 months behind. I made MULTIPLE attempts to make payments on time, and they are now hurting my credit score because they were unwilling to take my payment during bankruptcy. They still refuse to assist me.
Consumer complaint received 2018-01-27
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: Experian Information Solutions Inc. (AZ)

I recently became aware that I have fallen Victim to Identity Theft. My information was stolen and used without my knowledge in an attempt to open new lines of credit. I have notified and made attempts to contact all three credit bureaus to discuss Identity XXXX Resolutions. Of the three, XXXX was the most responsive. XXXX began immediately removing several of the accounts and information on my credit report that was a result of identity theft/ ID XXXX. 
________________________________ I have been able to successfully lock XXXX and Experian credit reports. I'm still unable to successfully use XXXX XXXX through the XXXX XXXX   XXXX site. This has caused me to receive another new inquiry in addition to the ones they have already removed from my XXXX credit report. This comes even after the initial 90-day XXXX   alert that was placed on my credit report XX/XX/XXXX. 

The Experian and XXXX  customer service representatives I had spoken to were unable to provide any assistance or identity theft resolutions. In fact on two separate occasions when I attempted to contact Experian and XXXX customer service, coincidentally both of their " systems '' simultaneously went " down '' they were only able to repeatedly instruct me to " call back again later ''. 
___________________________________ -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - The fact of the matter is that fraudulent information on my credit report which was a result of identity theft remains and continues to be reported by these Credit Bureaus after they have received notification of such fraudulent information on the report. 

Documentation that was sent to Experian, they XXXX  and XXXX included : ( All of these reports are attached ) XXXX XXXX Police Report XXXX XXXX Police Report ID Theft Affidavits ( Signed and Notarized ) FTC Identity Theft Report In addition to these reports, you will find attached one file which lists each account and inquiry that appear on my credit reports as a result of identity theft. All new information reported after XX/XX/XXXX, resulted from identity theft and is considered fraudulent information. It's my right and the duty of the credit bureau to permanently remove this information from their respective reports.
Consumer complaint received 2023-07-25
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: EQUIFAX, INC. (IL)

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 2019-01-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (ME)

This complaint is in regards to XXXX ( Resurgent ), along with XXXX ( XXXX XXXX XXXX ). Upon researching, The alleged current owner of the account is XXXX XXXX XXXX XXXX, dba XXXX XXXX XXXX, dba Resurgent Capital Services. With this being said, in the complaint # XXXX, there is NO MENTION of an open account, which is in the body of my complaint. My direct statement, made to a government official, on XX/XX/2018, via the XXXX  portal is. '' Also refer to case # XXXX. I never received communications from said debt collector in regards to this account. According to my credit reporting files, Debt collector began reporting said account in XX/XX/2018, I was alerted by my credit report this is reporting as a debt collection as on XX/XX/2018. I was never notified by this company, therefore, this debt collection is invalid, and must be immediately removed, and reverted back to the source of original alleged debt. Also, according to my records, I have not received a phone call in regards to this matter as well. Thank you. '' My complaint in XXXX was in regards to credit reporting as a collection within several of my credit reporting files. That has nothing to do with an " OPEN ACCOUNT ''. The explanation given to the CFB is a blatant violation of credit reporting laws, as my complaint was misconstrued to where it appears as a legitimate answer to my complaint.
Consumer complaint received 2023-08-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NY)

I woke up this morning ( XX/XX/2023 ) and opened my bank accounts to check my balances like I do every morning. I realized over {$800.00} was missing with no transactions what so ever. I contacted support and they told me since there is no transaction they cant help me.
Consumer complaint received 2020-02-05
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. (TX)

Equifax ; XXXX  and XXXX  are reporting incorrectly a collection in the amount {$45000.00} on the US DEPT OF ED partial account number ****XXXX and a collection in the amount of {$38000.00} on the US DEPT OF ED partial account number ****XXXX. ( Please see page attached from my credit report. ) The balances reporting are absolutely incorrect. On account ending in ****XXXX the credit limit was {$13000.00} and now the past due balance is being reported at {$45000.00}. On account ending in ****XXXX the credit limit was {$10000.00} and now the past due balance is being reported at {$38000.00}. This false reporting of collections is seriously harming my credit score and these accounts need to be taken out of collection status and the account balances need to be reporting accurate information! Please update and/or remove these line items from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2023-07-25
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: EQUIFAX, INC. (FL)

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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2019-03-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc. (FL)

I had negotiated a " Pay for Delete '' with this company FRANKLIN COLLECTION SERVICES, and they not only didn't delete the collection from my credit file, but they continue to report the debt monthly even though it was paid inXX/XX/2016.
Consumer complaint received 2019-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I received two letter one from transunion and one from XXXX   stating they placed a fraud alert on my credit file. I have not placed a fraud alert on my credit file. I don't want the one year fraud alert on my file. I looking to refinance a property and having a fraud alert could possibly hinder or make it more difficult to receiving financing. I would like the fraud alert removed as soon as possible.
Consumer complaint received 2021-03-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NC)

I was lured into a scam by people posing as PayPal XXXX  to satisfy a debt on a purchase I didnt make. They asked for location verification thru XXXX XXXX XXXX which I purchased, giving them the code on the back of the cards. They said a {$5000.00} loan had been provided to me from PayPal financed by XXXX and XXXX XXXX. To satisfy the fraud they said I was caught up in would involve the location verification, and loan closing fees of {$500.00} to each bank. They had me purchase a total of {$2400.00} in XXXX XXXX Cards, promising me all the while that this money would be transferred back into my Debit Account with XXXX  XXXX XXXX. Once I had purchased the cards for them, I immediately lost contact with them. 
Once I lost contact I called PayPal customer service and was lured into another scam. This representative said he could refund the full {$2400.00} back into my account. He had me transfer {$3400.00} thru test XXXX Transfers to see if my account would receive a refund. The transfers were real not test Transfers and I lost that money also.
Consumer complaint received 2019-03-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

In response to a denial of an extension of credit this consumer checked with the consumer reporting agencies and found the following : 1. Your company has furnished negative information about this consumer to one or more consumer reporting agencies as shown by the accompanying exhibits. 
2. This consumer is unsure of whether or not your company can show that it has complied with the notice requirements found within the consumer protection laws.
Consumer complaint received 2019-01-03
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. (VA)

For the past couple of years have attempted to get XXXX XXXX deleted from my credit report. XXXX has been reporting 120 days late on my credit report since it was transferred to XXXX from XXXX. 

It states on my credit report from TransUnion that this item is to be removed by XX/XX/XXXX. ( A copy of this report is attached ). This item was removed from XXXX on XX/XX/XXXX, Account No XXXX and immediately put back on in XX/XX/XXXX I can not locate my TransUnion report for XX/XX/XXXX but the removal date was the same. Transunion showed that negative reporting began in XX/XX/XXXX to be removed in XX/XX/XXXX of last month.

This mortgage was paid and there is nothing due and owing. On another note since I began reporting this Transunion has deleted all my favorable credit and left me with just XX/XX/XXXX. My  XXXX XXXX that I purchased in XX/XX/XXXX no longer shows and a few more that were updated in XX/XX/XXXX and were paid in full XXXX XXXX showing never late was very helpful for potential creditor to view me favorably. 

Please look into this because XXXX and CAs refuse to assist me
Consumer complaint received 2023-07-25
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. (PA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (TX)

I have a credit card with Citibank, I raised Dispute for {$1100.00} XXXX but withdrawn it XX/XX/XXXX => and tried to reopen it but unable to do so. below is the history of this entire transaction. 

Date XX/XX/XXXX => I used for making payment for one of the airline ticket I was trying to purchase from XXXX XXXX XXXX XXXX XXXX but somehow that transaction didnt went through so Date XX/XX/XXXX => I filed a dispute request with Citibank on the same day, => Citibank applied a conditional credit to my Credit Card. 

Date XX/XX/XXXX => However later I got confirmation from XXXX XXXX that my ticket is confirmed. So I Withdrawn my dispute XXXX Citibank reversed the charges on my credit card of {$1100.00} Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX booking ( Ref XXXX ) saying I disputed the amount. 

Date XX/XX/XXXX => I asked XXXX XXXX XXXX provide an XXXX so that I can back track the transaction with the help of my bank but i didnot receive any response from them. 

=> CitiBank Customer Support helped me to file reopen the case again but XXXX master card denined that they can't reopen the dispute since it was withdrawn.