davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (FL)

XX/XX/26 I received a email saying {$310.00} was transferred to me from my account. I never made the transfer unsure I assumed my daughter might of accessed from my XXXX trying to send money to her cash app card using my email but they were home sleep and denied being able to open app because theyre unsure of login info I tried to figure out how it happened but Im unsure. I received email stating that money was sent to me however I dont have the option to claim funds I tried calling and filing dispute also requesting funds using app but Im only getting email response saying I requested the money. Within 1hr claim denied Someone attached my email to their account and then hacked my chime account sending my money to a chime account with user name XXXX XXXX XXXX I tried to contact her after finding contact info on true find XXXX I tried calling she answered I told her why I was calling she hung up I also tried texting her but she blocked me
Consumer complaint received 2019-12-04
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (CA)

On XX/XX/2019 I checked my credit report to come to find that I had a hard inquiry from a card that I never applied for, I called them and was directed to an automated messaging system where I put my social security number in and it pulled up an account saying that I had a credit of a certain amount of money the next day I called the company and got someone on the phone where I was told that there was no account under my social security number but it's showing on my credit report as well as when I got through the automated messaging system! I have called the company told them the problem and they told me there wasn't anything they could do about it! The hard inquiry was from XX/XX/2019, from synchrony Bank / airlines
Consumer complaint received 2018-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (CA)

I bought an XXXX computer and used the credit option. While purchasing, I asked whether I would have to pay {$200.00} or so a month in order to pay off the computer by the time they referred to as the intro period. ( Sometime in XX/XX/XXXX ). They said no. They said I could pay off the balance with the minimum at {$27.00}. They said there would be no interest for the intro period and after that period was ended interest would then accrue like any other credit card. 

Instead, when the intro period ended, XXXX took all the interest accrued during the intro period and suddenly tacked it onto my credit card. 

Now I'm $ XXXX over the credit limit and my payment has gone from {$27.00} to {$88.00} and it's climbing as interest and over limit fees build. 

I called XXXX at XXXX XXXX PST on XX/XX/XXXX and spoke to an agent ( named XXXX ). 

I explained the above and he told me that they could waive the interest - since they had not explained the terms to me correctly. 

However, he could only waive the interest if I paid - in full - the amount left on the XXXX balance, which is {$1700.00}. 

They falsely misrepresented the terms of the card to me. They admitted to that during my phone call with them ( which was recorded by them ). It's unfair business practice to force me to pay {$1700.00} in cash in order to correct their misrepresentation. 

The interested accrued needs to be immediately waived so that I can pay the balance like normal with interest accruing at the card 's normal rate.
Consumer complaint received 2022-12-19
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: Southwest Recovery Services, Inc. (VA)

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 SOUTHWEST RECOVERY SER XXXX 15 USC 1681 section 602 ( a ) ( 4 ) - I have rights to privacy. 15 USC 1681 Section 604 ( a ) ( 2 ) - states that a consumer reporting agency can not furnish a credit report without written consent from the consumer. 15 USC 1681c ( a ) ( 5 ) - states that no consumer reporting agency may make any consumer report containing the following items of information ... Any other adverse information, other than records of conviction of crimes which antedates the report by more than 7 years. 15 USC 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 2018-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Ive Tried To Write This Company Twice Too Dispute These Collections and Have them Removed Ive received return too sender from this company!!! I cant dispute when this company address doesnt exist please remove off my equifax credit report!!!
Consumer complaint received 2023-01-09
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: EQUIFAX, INC. (NY)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2022-09-09
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. (MI)

In accordance with the Fair Credit Reporting act US DEPT OF EDUCATION, 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
Consumer complaint received 2022-09-09
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. (MI)

In accordance with the Fair Credit Reporting act US DEPT OF EDUCATION, 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
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2017-10-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (GA)

I have a debt showing up on my credit report that is not mine. I disputed this debt with the three major  credit reporting bureaus on XX/XX/XXXX and they were not able to validate. On XX/XX/XXXX, I sent a certified letter to Credit Collection Services asking them to validate this debt and they sent me a final bill. I do not owe this debt and would like to have it removed from credit file from all of the major report agencies.
Consumer complaint received 2019-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX aka XXXX has been reporting false account information on my credit report for at least 3 years. On XX/XX/XXXX they updated a closed account from XX/XX/XXXX by changing my payment history. XXXX admit to reporting false information on my credit account for 3 years. My XX/XX/XXXX payment status went from 180 days late to 120 days late. Which dropped my credit score 91 points. On XX/XX/XXXX they admit to reporting false info on my payment status from XX/XX/XXXX from 180 days late to 120 days late. Dropping my credit score 4 more points. I have court documents that remove me from the responsibility of the loan. When I asked Equifax to investigate this I did not receive any help. I would like this investigated and removed from my file for falsely reporting inaccurate info for all these years. They have no reason to go back now and change my credit score. The account is closed and settled. Equifax also needs to be in trouble for not investigating what XXXX are doing here. XXXX reports false info on your credit file BEWARE!!!!!!
Consumer complaint received 2018-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (FL)

Citibank sent a automatic quarterly payment of {$1400.00} to my homeowners association. The check was cashed by a fraudulent third party. Citi paid someone not my homeowners association. I had to send another check to make good on my debt. I have asked citi to put the money back in my account since it was their error to pay a fraudulent third party with my money. they have responded by telling me they have to investigate. They have sent multiple documents to fill out. This is now going on 7 weeks that I am out {$1400.00} with no end in sight for their error.
Consumer complaint received 2024-01-29
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. (NH)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). This account may not be reported as unverified information without providing any supporting information within the legally allowed time range. The account is shown on my credit report as needing investigation and correction because it was reported incorrectly in my file. 
XXXX XXXX XXXX
Consumer complaint received 2024-03-16
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: TransferWise Ltd (WY)

Hello, I created a bank account with Wise, and I encountered an issue where my account was unexpectedly deleted without any reason provided. I was unaware of any violations of Wise 's policies and did not engage in any prohibited activities. I'm filing this complaint in hopes of resolving the matter and seeking assistance in reinstating my account. 

Thank you for your attention to this matter. 

Sincerely, [ XXXX XXXX ]
Consumer complaint received 2022-09-09
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. (OH)

In Accordance with Fair Credit Report Act XXXX XXXX XXXX opened XXXX XXXX balance XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX balance XXXX Bankruptcy acctt # XXXX has violated my rights 15 U.S.C 1681 section 602-8 states I have a right to privacy, 15 U.S.C 1681 section 604A section 2 also states a consumer reporting agency can not furnish my account without my written instructions.
Consumer complaint received 2019-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Ascendium Education Group (AZ)

My student loan debt is being illegally re-aged by the company that bought the debt, ascendium education solutions. They bought the debt in XX/XX/XXXX and are illegally re- aging the DOFD. My consumer disclosure file under FCRA 609 ( a ) ( 1 ) is pending but I was last able to pay my loans in XX/XX/XXXX.
Consumer complaint received 2017-10-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (AL)

HUNTER WARFIELD INC  #XXXX**
XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX
Placed for Collection:XX/XX/XXXX
Responsibility: 	Individual Account
Account Type: 	Open Account
Loan Type: 	COLLECTION AGENCY/ATTORNEY
	
Balance: 	$XXXX
Date Updated: 	XX/XX/XXXX
Original Amount: 	$XXXX
Original Creditor: XXXX XXXX XXXX XXXX  (Rental/Leasing)
Past Due: 	>$XXXX<
	
Pay Status: 	>In Collection<
Remarks: >PLACED FOR COLLECTION<
Estimated month and year that this item will be removed: XX/XX/XXXX


This military housing debt 77% of this debt does not belong to me. I was XXXX XXXX living in military housing when the military XXXX XXXX XXXX XXXX XXXX The military is responsible for the 77%. I only owe $XXXX left on the debt for cleaning cost. My XXXX (housing allowance) military housing suppose to be paid my military.
Consumer complaint received 2018-01-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NY)

On XXXX XXXX, 2017, My Coinbase account ( under my email : XXXXXXXXXXXX - Case Number # XXXX ) was unsuspectedly suspended. It is most likely due to a faulty chargeback from my bank. Since there is a debit in my account, I have tried depositing the proper funds to unfreeze my account. When I submit to deposit the proper amount of funds - it says the payment was cancelled yet my account says there is {$0.00} of debit I owe. So after, when I found out Coinbase has cancelled transactions with that bank account associated with the chargeback, I tried setting up another payment option, which I have verified through Coinbase. Since it still only says {$0.00} owed my account is still frozen and I can not pay off the original debit of {$700.00}. I have contacted Coinbase support via telephone and they told me my ticket was placed with a department specialist on XXXX XXXX. They have locked me out of my XXXX account so I can not even log-in to see my funds, which I ca n't even see if they are even there. I have heard nothing from Coinbase support since. I either need my my account un-froze so I can transfer funds from my XXXX account to my coinbase account or re-instate my XXXX Checking to deposit the proper funds. If by the time this message is received by Coinbase and I was finally able to deposit the funds owed, then promptly un-freeze my account. Thank you. 

- XXXX XXXX
Consumer complaint received 2022-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent Transunion an Identity theft affidavit and they have no removed the inquires from my report. Under federal law, Transunion has thirty ( 30 ) days to complete your investigation per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). It's been almost 3 months.
Consumer complaint received 2019-10-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NJ)

In XX/XX/2019 I made payment in addition to my normal monthly payment. I included instructions with my payment. The instructions stated ( 1 ) the over payment was to be applied to 1, and only 1, of my several student loans ( 2 ) The payment was to be applied to outstanding interest and then principal ( 3 ) The payment due date of the loan was not to be advanced ( the entire payment was to be applied immediately and ( 4 ) if the servicer could not follow my instructions, then the payment was to be refunded. 

My payment was not applied correctly. Instead of paying down the loan, Navient advanced the payment due date, resulting in XXXX payment each month on the loan additional interest accumulating on the {$300.00} of the loan principal that was supposed to be payed down. I emailed and called Navient to try and correct the problem. Despite saying they would fix the issue, the loan due date keeps getting advanced. It is now XX/XX/XXXX and the issue is still now resolved and my money has not been returned pursuant to my instructions. 

I am afraid to make extra payments because Navient ignores my written instructions, keeping me in debt for as long as they can.
Consumer complaint received 2019-05-31
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)

Texas Office Attorney placed Child support payments on my credit bureau information. 
Child support is not a credit and should not be used as a credit. 
Account no-XXXX
Consumer complaint received 2018-01-10
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. (TX)

I have two charge offs from 2 XXXX which were covered by my insurance. They did not file them in time and the insurance denied one. On the otherone, I was never given and XXXX. This was over 8 years ago. Bad Debt company bought the debt and re-reported it as a current dedt to Equifax!
Consumer complaint received 2017-07-31
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. (MD)

We paid off our Mortgage with XXXX in XXXX of 2017, we refinanced with a different lender. The account after 6 months is still reporting on our credit as open. We also never received our refund from Escrow and they have promised to mail us the details over and over but can not tell you on the phone. Now they are reporting on our credit as late over 30 days and we do n't owe them anything or have an account that should be open with them. When you call you get the same thing ... they say they used are escrow to pay our bill in full.. Does not make any sense. Now they want to report negatively now since I have inquired why my account is still open
Consumer complaint received 2023-03-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Unifin Inc. (NY)

Re : Unifin/XXXX XXXX I received a letter trying to collect a debt way past the statute of limitations in both New York State and Federal law.

1. Their letter, attached, has a default date of XX/XX/XXXX. 
2. The letter indicates a judgement has been entered in an unspecified court on XX/XX/XXXX. 
3. I think the original debt was a payday loan.

4. I was never served with legal papers of any kind or notified a judgement was entered in this ( unspecified ) court.

5. I sent them what follows by email : " You are in violation of both New York State and Federal law. The statue of limitations has long since expired and I have filed a complaint with the CFPB. 

DO NOT CONTACT ME AGAIN. '' XXXX XXXX has consistently filed these reports on my credit reports from all 3 bureaus even though they are way past the original default date. Instead, they use the date they bought the debt.
Consumer complaint received 2022-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.
Consumer complaint received 2021-08-12
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: CORELOGIC INC (CA)

On XX/XX/XXXX I sent a letter to Credco requesting a copy of any and all documentation with my signature/authorization for them to pull my credit as their business is listing on my credit report as an inquiry XX/XX/XXXX. On XXXX XXXX I received a response to please fax over my SSN for them to verify. I called a representative at Credco on XX/XX/XXXX by the name of XXXX who explained they would not be able to remove such inquiry and was not able to provide any documentation bearing my signature. I then informed her I would move forward & file a complaint for immediately removal