davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-07
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as social security number and date of birth in order for it to appear on your credit file. XXXX, XXXX, nor Transunion has updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
Consumer complaint received 2017-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (ME)

I deposited {$260.00} into an ATM at TD Bank XXXX XXXX XXXX. The ATM read it as {$160.00}. I immediately filed a claim with customer service. When I did n't hear anything after 2 weeks I went into the branch and filed another claim. The gentleman that helped me told me that the customer service representative did n't save the claim the evening that I called. It was also noticed at this time that the {$160.00} that the ATM had recorded that night was also not in my account. I waited almost a month and still had n't heard anything so when I was making a deposit, the gentleman that had helped me told me my claim had been denied saying there was no proof of my deposit at all. So not only did I not get the {$260.00} I did n't get the {$160.00} either.
Consumer complaint received 2023-01-31
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (WA)

On XX/XX/XXXX I received an email ( included ) that may account had been closed and I owed {$8.00} in overdraft fees. I immediately sent a cashiers check to the address included in the email ( Citibank N.A.Bank by Mail XXXX XXXX XXXX. XXXX, MO XXXX ). I waited 10 business days and called to confirm the check was received. According to customer service, it was not. In the weeks to come I called countless times and spent SEVERAL hours on the phone with Citi Customer Service while they tried to locate the check for {$8.00} to resolve my account. I was told the check was never found. Then in XXXX I worked with my bank ( XXXX ) and they confirmed the check was cashed on XX/XX/XXXX ( Ive included proof of the cashiers check being cashed by LOSS REPORTING ). 

At this point, Im not sure why I was never told my account was in good standing by the customer service team, since the check was cashed in XXXX. 

Then on XX/XX/XXXX, I received a letter ( included ) that the check for {$8.00} was available at a branch in XXXX XXXX and that my account was given an auto credit. At this point, I assumed all the phone calls trying to locate the check were not necessary and that my account was cleared of the overdraft charged. 

Then on XX/XX/XXXX, I received TWO letters ( included ). The first letter dated XX/XX/XXXX is the exact same letter as the XX/XX/XXXX letter and explains the check is available at the XXXX XXXX branch and the account was given an auto credit. The second letter dated XX/XX/XXXX is stating the check has not been located and is requesting proof of the payment.
Consumer complaint received 2022-04-05
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: Experian Information Solutions Inc. (CT)

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-21
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: GOLDMAN SACHS BANK USA (FL)

I purchased two XXXX XXXX  form XXXX XXXX XXXX using Goldman Sachs Apple credit card on two different dates, and I have returned both items. I am still being charged to make payments  on the first XXXX XXXX  I returned. Please see below for the breakup fees. Merchant : XXXX XXXX XXXX. Credit Card Company :  Goldman Sachs Apple credit card. XXXX XXXX # 1 Purchase date : XX/XX/XXXX Return date : XX/XX/XXXX ( shipped back to XXXX ) Total cost : {$3900.00} ( XXXX XXXX, XXXX XXXX XXXX, Tax XXXX ) Apple invoice number : XXXX ( confirmation of refund ) Its been 3 months now and I am being charged installment on this XXXX XXXX  which I don't own. Apple confirms receiving the item and refunding the credit card. I have filed a dispute with Goldman Sachs Apple credit card, and they resolved  the dispute in favor of Apple twice without asking me for the proof over the last 3 months. I have asked Goldman Sachs for the evidence they used to make and decision and I am yet to receive it. I  have called XXXX XXXX  several times and they confirm receiving the XXXX XXXX and refunding the credit card company. I have spoken to several Goldman Sachs managers, most recently XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ), they understand the problem but were helpless. I have spent several hours talking to people at Goldman Sachs, everyone seem to understand the problem buy no one has  been able to resolve it. I have already made over {$700.00} installment payment towards the XXXX XXXX  I don't own just to not default on credit and I am due to {$520.00} by XX/XX/XXXX. I have been abused by this credit card company. XXXX XXXX  # 2 Purchase date : XX/XX/XXXX Return date : XX/XX/XXXX ( shipped back to XXXX ) Total Cost : {$3800.00} ( XXXX  XXXX, XXXX XXXX XXXX, Tax XXXX ) I received complete refund on this XXXX XXXX. The only reason I am including this here is because I dont want people to confuse refund on XXXX # 2 as a refund for XXXX # 1.
Consumer complaint received 2020-05-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (FL)

There is damaging and inaccurate information about me posted on the credit reporting agencies XXXX  as well as XXXX, from a company called Transworld Sys Inc. I repeatedly disputed the information, this company insists its accurate, yet has not provided me with any evidence that I owe this bill. I've never received any Bills from anyone that I'm aware of. They have not provided a shred of validated or verified evidence that I owe this bill, but yet continue to illegally report it. I just received an email from XXXX  saying that the company ( Transworld Sys Inc ) has certified to XXXX   that the information is accurate, and that the damaging item will remain on my report. I want proof!! No one has provided proof. This is a sham!!
Consumer complaint received 2021-04-26
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: CITIBANK, N.A. (NJ)

On or about XXXX someone called CitiBank ( BestBuy Credit Card ) and claimed they were me and had my address changed on my credit card account to an address in another State which I have no association with. I was alerted to this information on XXXX through XXXX XXXX XXXX ( which is really XXXX XXXX as the change of address had been reported on my credit report. 

I immediately contacted XXXX where we were able to find out the change came through CBNA ( CitiBank ). I then placed a freeze on my credit and contacted CitiBank directly. 

When I spoke with CitiBank I found out the person calling in just used my name and the last four digits of my social security number and was able to change my address. Nothing else was changed ( phone numbers, etc. ). No one at CitiBank ever contacted me through any of the channels provided to them XXXX phone call, txt, or email notification, etc ) regarding the change, nor where any of my three security questions ever asked to the person changing my address. The person I spoke with at CitiBank was able to give me the last 4 digits of the phone number that made the call but was not able to provide the entire number and said I would need to speak with the CitiBank Fraud Investigation Dept on Monday. At the time of this call I also had the address changed back and had new cards issued. 

After I ended the call with CitiBank I immediately locked my credit with all three reporting agencies. While I was examining my XXXX credit report I also saw the change of address and an inquiry from XXXX XXXX  XXXX GA on XXXX that was not related to any credit that I was applying for. I contacted XXXX XXXX and I was given another address in GA XXXX different than thXXXX XXXX on my credit report where this inquiry came through ). There was a phone number for the bank on that inquiry and I believe it belongs to a representative in their XXXX FL office and I called it and left a message on their voice mail. I have not heard back as of yet and will be following-up today. 

This morning I contacted the CitiBank Investigation dept to find out more information and they would not provide anything and were basically not interested in pursuing it any further since as of this date there has been no fraudulent activity on my card. 

In my opinion CitiBank was negligent in their duties to me as their customer for not contacting me to alert me of the change of address. I had to find out through my XXXX XXXX XXXX of the change. It's ironic that CitiBank is the first credit card to deny payment whenever I travel and go to buy a {$10.00} item with my credit card when traveling out-of-state and then immediately send me a fraud alert email or call me. Here my address was changed on my credit card which affected my credit report and I was never contacted!!
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

On the XXXX of XXXX I wrote to Equifax via mail detailing to them my unfortunate event. I have not heard back from the company and have not received any updates to my account pertaining to the removal of the fraudulent information. I have included with this complaint my letter sent to Equifax letting them know I had been defrauded, along with the FTC report, an identity theft report and my personal identification needed to identify me. I would just like this thing over and done with and my credit rectified as soon as possible. This circumstance is inconvenient and a lot! I also left in the letters provided to Equifax my id card because I had no other way of proving my residence because I have no bills. My social security copy is also included in the attachment section along with my FTC identity theft report, FTC XXXX report number as well as any other information I could provide. I would like this account blocked and deleted.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I contacted Transunion on XX/XX/XXXX about Identity Theft that occurred on XX/XX/XXXX and supplied evidence of removal from original creditor by providing documents from the original creditor and collection company that the account is no longer valid. Transunion took 30 days to respond with " Debt has been verified '' I provided them with proper documentation from XXXX XXXX XXXX for the original creditor XXXX XXXX XXXX XXXX in the amount of {$4400.00}. XXXX sent a letter stating they have closed the account and ceased collections and that I have no further obligation regarding this account. I have attached this document to this complaint.
Consumer complaint received 2020-09-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: FinCo Services Inc DBA Current (KY)

I have a current account which is the mobile bank through I guess choice financial bank and my old phone got smashed and I had to get this phone so the whole do number and now we won't let me log in to my account because that says there there 24/7 But you can access their chat unless you're in the mobile app and it won't let me log in to the mobile app using a new number because it's already registered to another person which it's my number therefore I can't get my money and transfer it into my account so that I can use my card to Make any purchases such as buying my kid diapers tonight and wipes and formula that I need And they have nobody that works technical support after hours or nothing and nobody that will fix my account knowing its emergency this is ridiculous I'd put my money off of their and I can't even access my account and 8 to 6 I guess is they're ours what about emergencies I can't even touch my money because I can access the camp to get my money out of my savings account and you mean to tell me if I was stranded on side the roadI 'd literally have to sit there for 36 to 48 hours before somebody could fix my money are you Kidding me I have sent 6 emails Called numerous times only to be hung up on because I'm calling outside of business hours which online as 24/7. I received one response email where I had to give all my inflation which I did and they said this is they got the information they change it so that I could log in to my account I still can not log in to my acct And it's been hours Pretty sure That a place that handles my money has to have at least one person for emergencies that works after hours for instances like this where they can access their account online come on please help me
Consumer complaint received 2017-08-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (NJ)

Attempted debt validation as of XX/XX/XXXX, company has failed to validate debt and later added to my credit report harming my person. Without debt validation they have refused to remove said debt from my report, it is still showing up and being detrimental to my overall score as of XXXX 2017. Has sent numerous letters attempting to collect debt since XX/XX/XXXX, refuses to remove from my report, and was unable to validate said debt. I have never had a contract with Midland Funding, LLC and therefore do not owe this company a dime!
Consumer complaint received 2020-10-21
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. (CA)

On XX/XX/XXXX, I reviewed my credit reports with all three major credit bureaus and discovered there were fraudulent accounts on my credit report. I am positive that my credit file is mixed with someone else with a similar name due to varying names on my credit report. I researched how to accurately remove the items and wrote three dispute letters to each credit bureau with affidavits and the supporting documents. I mailed each letter via certified mail with tracking numbers and gave it the appropriate amount of time according to the Fair Credit Reporting Act. Each credit bureau has 30 days to investigate and update and/or delete the disputed items. When I checked the tracking all items were still in transit and last reported in the city for each credit bureau.  XXXX PA, XXXX, GA and XXXX, TX. In the month of XX/XX/XXXX, I reviewed my credit reports and noticed 2 of the 3 fraudulent items had been deleted from 2 of the 3 credit bureaus. I completed another dispute letter, an affidavit and supporting documents for the remaining  fraudulent items for tracking XXXX, XXXX and XXXX. The listed certified tracking numbers were delivered on XX/XX/XXXX. This process has cost me another {$77.00} by this point and countless duress during my XXXX right now. It has been more than 30 business days again and there has been zero correspondence with each credit  bureau. I sent an additional manual dispute with affidavit with tracking XXXX and it was delivered XX/XX/XXXX. These fraudulent items need to be deleted from my credit file since 2 of 3 bureaus have already completed the process and updated my reports. I am trying to move into a bigger home at the end of this month (  XX/XX/XXXX ) before I have my daughter and it is imperative this is completed to prevent further duress during this XXXX even more with COVID-19 going on. I am filing a formal complaint with the CFPB today to get this matter resolved immediately.
Consumer complaint received 2020-05-05
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: Experian Information Solutions Inc. (NC)

I disputed a public reporting with Experian which was 2 bankruptcy filings that shows dismissed. I was told that the information reporting came from XXXX XXXX. I contacted XXXX XXXX and initiated a dispute in which they came back and deleted the reporting from my files. I received an updated report from XXXX XXXX along with information about why they deleted. I then forwarded this information to Experian for them to review and update my file and delete their public reporting to match XXXX XXXX. Experian refuses to update my file and claims that XXXX XXXX validated the reporting which is not true, because I spoken with XXXX XXXX and received a new file from them showing NO BANKRUPTCY reportings. 
XXXX XXXX update reporting came to me on XX/XX/2020 Experian finalized their " investigation '' for my dispute and updated me with NO changes on XX/XX/2020.
Consumer complaint received 2020-06-02
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. (FL)

Hello, I have sent numerous letters to Equifax asking them to validate a Chapter XXXX BK that is reporting on my credit report. Equifax has responded back to my request on a few occasions indicating that the investigation has been completed and that the Chapter XXXX BK was verified by a 3rd party known as XXXX XXXX. They have also asked that I notify the data furnisher 'USBK Court XXXX Florida ' as well. 

I sent a response to Equifax asking them the verification method that was used to validate the Chapter XXXX BK with XXXX XXXX - as well as who they spoke too, how the validation was conducted and phone number for the contact. They keep on responding back in their letters indicating the Chapter XXXX BK has been verified by XXXX XXXX and that I should contact the data furnisher 'USBK Court XXXX Florida XXXX as well. The same response is sent back to me as a generic answer to my request for my credit report. They never indicated the method of verification that was conducted with XXXX XXXX, who they spoke with and a contact number. 

Equifax has failed to legally validate the Chapter XXXX BK reporting on my credit report. They indicate XXXX XXXX the 3rd party verified this information. This is can not be the case as my XXXX XXXX Consumer Report is frozen and has been for quite some time for identity purpose. I have also contacted the 'USBK Court XXXX Florida XXXX asking how such information is validated with XXXX XXXX and credit reporting agencies. The USBK Courthouse responded to my request in writing indicating they DO NOT validate such information with 3rd parties such as XXXX XXXX and have no jurisdiction over reporting agencies.
Consumer complaint received 2017-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

Requested reports by clicking on XXXX  on Washington State Attorney General 's credit site. Requested report on XXXX. Requested XXXX report. Made possible error. Did not select XXXX XXXX XXXX as my bank because as far as I know my bank is XXXX XXXX XXXX without the " XXXX ''. Then informed I could not get my report online and I had request a hard copy to be mailed to me. Called XXXX to get a copy. Only options are automated. Ca n't get operator by pressing " 0 ''. At the end of slogging through the data entry and/or voice entry ( half of which apparently could not be understood ), I pressed the wrong number when asked if I was the blind. When asked if I needed a report for the blind I pressed the key for " No ''. No confirmation from them so I am not sure what I will get from them. Next I went back to the XXXX website and went to the " Contact Us '' page. No option for a phone call to a human so I requested the " Comment Form ''.
Filled out the form saying I was not blind and want the report for people who can see. When the comment was submitted I got a reply saying " thank you for your comment '' so who knows if any action will be taken.
I know I am not the only lousy typist out there. Others could easily be caught up in the unhelpful loop. It seems to me that this whole process was set up in a very unhelpful way. It is almost as if they set it up for requests to fail easily. I have seen much better process flows and options for error correction.
Thank you.
P.S. This was all online or by telephone so I have no documents.
Consumer complaint received 2022-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX