davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-30
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: T.S. Holdings (AZ)

Attempting to collect a debt that is in dispute with original debtor. No correspondence from original apartment complex concerning my issues of collecting double rent and notice to vacate while on a month to month that was expiring yet sent it to collection agency 1 year later after not responding to my concerns ( see attachments ). Was not provided an itemized statement after vacating the apartment within 14 days of charges only received a phone call from apartment collections department in which I asked for an itemized statement and was not provided one. We ( there is a cosigner and myself ) received notice from the collection agency on XXXX XXXX stating the debt. A certified return receipt letter was submitted on our behalf on XX/XX/2021 ( see receipts ) We have not received signed return receipts to date but have tracked letter and it was picked up from the post office XXXX XXXX ( see attachment ). It has been 30 days with no communication from the collection agency. They failed to respond within 30 days of the actual investigation, outcome and validity of debt. They have also reported to all major credit bureaus erroneous debt which has affected my ( our ) credit ratings.
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NC)

My husband and I are trying to buy a home. Our lender has been working with us diligently and patiently. However, calling Equifax has been frustrating and time-consuming. I have called on numerous occasions to have someone fix my account as I am not able to lift my security freeze. The ongoing calls have been a month going on two months consecutively. 

On XX/XX/XXXX, I called back to Equifax to get my security freeze lifted. I provided all the pertinent information and explain the problem. When I log onto my.equifax.com, tab on manage my freeze, put in the dates I wish to temporarily lift the freeze, it gives me an error message asking me to call Equifax. This is how I know it is STILL not fixed after months of calling. ( See attachment for error ). The first representative by the name of XXXX, ID # XXXX, during the phone call, he stated the problem was fixed but he could not send me a confirmation number. I questioned his resolution of fixing the problem, but he could not provide an answer. Then, hung up and called my lender to inform the problem was fixed. My lender in-turned stated the problem was not fixed. Call back the second time, spoke to a representative name XXXX, ID # XXXX, stated the problem will be addressed and she placed me on hold for XXXX minutes. She came back and stated someone in Consumer affairs by the name of XXXX will fix the problem. I asked if she could transfer me to that department to speak with XXXX to make sure this is taken care of. She said she could not. I asked for a supervisor. A man by the name of XXXX, ID # XXXX stated he was a supervisor. I told him the issue, and he stated he see the problem but couldn't fix it. I told him this is unacceptable. The purpose of having a security freeze is for consumers to have control of their credit to prevent fraud from outsiders. However, I could not access my own account. He transferred me to someone else by the name of XXXX that says he is in Consumer Affairs. He provided a case # XXXX. I have been giving case numbers after case numbers and my account is still not rectified. This need to be escalated and corrected ASAP as this has held up our life pursuing a mortgage loan
Consumer complaint received 2020-01-26
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Exercising my right under the Fair Reporting Act 611 ( a ) ( 6 ) ( B9iii ) which provides that a a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available '', I wrote to TransUnion on XX/XX/20 and asked that they provide me with their method of verification of the bankruptcy showing on my credit report. While the " creditor '' in this case would be the US Bankruptcy Court in XXXX Indiana located at XXXX XXXX XXXX XXXX, XXXX, IN, I enclosed a letter from the US Bankruptcy Court in XXXX Indiana which states that " the court does not provide any information directly to any third party information gatherer. '' Since that is the case, the credit bureau or TransUnion in this case, could not have properly verified the information reflected on my report. The credit bureau did respond, however, to say that the information had been verified as accurate. They did not, however, state whom they spoke to nor how the information was verified.
Consumer complaint received 2020-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: WELLS FARGO & COMPANY (TX)

XX/XX/19 - A charge for {$11.00} instead appeared as {$110.00} on my credit card statement. 
XX/XX/19 - I filed a dispute expecting a quick resolution especially after providing them the receipt showing the actual charged amount. They refused to correct it. 
XX/XX/19 - I contacted the vendor who immediately refunded the {$99.00} overcharge and sent me verification. Wells Fargo never posted the refund. 
XX/XX/19 - Extremely unpleasant conversation with supervisor XXXX who appears to think feels that Wells Fargo can not be held accountable. It was the worst customer service experience I've ever experienced with any bank. 
XX/XX/19 - I sent them the vendor 's verification and they instead added an ADDITIONAL {$99.00}. It has been months and this is still unresolved.
Consumer complaint received 2021-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (FL)

I sent a payment to my wife, as I do often, in the amount of {$1100.00} on XX/XX/21 The payment was allowed to be sent by Chimes online app, however it did not notify I had exceeding sending limits. So at this point I had sent the money, but the recipient was unable to receive it as it stated I was over my " {$1000.00} send limit '' despite Chimes own website advertising a {$2000.00} send limit. So even were I to have done the math prior to sending I still should not have been over the advertised limit. I spend well over 30 minutes on call, majority of which was in an XXXX or on hold, with foreign employees trying to resolve this. After requesting a supervisor the employee refused to let me speak to a supervisor. I informed her I would be filing a CFBP complaint. Ultimately I had to be refunded the transfer as otherwise my money would just sit in limbo. With other banks if I am over my transfer limit it is made clear and actively prevents me from sending money when that is the case. I recommend using a physical bank or credit union, and using XXXX to send money. Do not trust Chime. They don't have representatives who can properly handle your issues or stateside management to address your needs.
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

The following accounts have incorrect information with all 3 credit bureaus : - XXXX XXXX XXXX ( Account Number : XXXX ) : Has incorrect dates of first delinquency. Experian has date of XX/XX/XXXX, XXXX has date of XX/XX/XXXX, XXXX does not have this information. XXXX and Experian also have incorrect payment histories throughout their filings. 

- XXXX XXXX  ( Account Number : XXXX ) : Has incorrect past due dates starting from XX/XX/XXXX through XX/XX/XXXX. Experian has past due days of XXXX in XX/XX/XXXX, XXXX has past due days of XXXX in XXXX. Experian has me in good standing as of XX/XX/XXXX, XXXX has me in good standing as of XXXX XXXX and Experian also has incorrect payment histories throughout their filings. XXXX does not have this information. 

- XXXX XXXX ( Account Number : XXXX ) : Has incorrect past due dates starting from XX/XX/XXXX until account close date. Many inaccuracies throughout payment history. Experian 60 day past due in XX/XX/XXXX, XXXX has 30 days past due in XX/XX/XXXX. Experian has me in good standing from XX/XX/2018XX/XX/2019XXXX has both 30 day and 60 days past due days in the same time span. XXXX and Experian also have many other incorrect payment histories throughout their filings. XXXX does not have this information.
Consumer complaint received 2020-10-18
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: CITIBANK, N.A. (MD)

On XX/XX/2020 I accidently ordered a smartphone from XXXX on my Citi Costco visa credit card and immediately sent an email to XXXX customer support to cancel my shipment. XXXX replied back stating that the order was in process hence it could not be cancelled and requested that I refuse acceptance from XXXX  and have XXXX  return the shipment back to XXXX and they will then promptly refund full amount of {$420.00} to my Citi visa credit card. 

I got confirmation from XXXX that XXXX was returning the shipment of the smartphone back to them. 

I opened a dispute with Citi immediately for the {$420.00} charge on XX/XX/2020 since a charge from XXXX appeared on my account on that day. Citi visa issued me a conditional credit for {$420.00} and reversed it shortly after stating that vendor had indicated that this was not a refundable product. 

I contacted XXXX  that I was not issued a refund despite the fact that I had cancelled the order prior to shipment and followed their directions and their promise to refund the full amount. They sent me a email on XX/XX/2020 that they had refunded my full amount to Citi visa credit card with XXXX  reference number for the refund. 

I forwarded this information to Citi but Citi claims that they have not yet received the refund! 

I need help from you since I was charged for an item that I never received and that was cancelled prior to shipment by me. XXXX  claims they have issued a full refund of {$420.00} via XXXX  with a reference number provided to me but Citi Visa claims they did not receive the refund and charge of {$420.00} remains on my Citi Costco Visa Credit card.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My credit card company XXXX initially charged me an incorrect finance fee, under Law 15USC 1666B those fees were deemed incorrect and I disputed these charges and requested a fee reversal. These fees were refunded as shown on my attached statement. In addition, the company subsequently charged me a LATE FEE of XXXX which too was deemed incorrect and refunded on my attached statement. This issue however is not completed and is showing up INCORRECTLY on my Experian and XXXX credit reports. Please note that the statement that my XX/XX/2023 statement was never delivered which also violates 15USC 1666B which states the statement was to be delivered to the consumer not later than 21 days before the date specified in the statement by which the payment must be made in order to avoid the imposition of that finance charge.
Consumer complaint received 2021-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I call XXXX and told them that I had sent letters out in the last 60 days I havent heard them and they told me to come here to dispute my issue here and that happen its will be removed in 24-72 hours
Consumer complaint received 2022-05-01
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. (NC)

In accordance with the Fair Credit Reporting Act XXXX, the below accounts have violated my rights : XXXX XXXX - Acct # XXXX XXXX XXXX - Acct # XXXX XXXXXXXX XXXX XXXX  - Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX 15 U.S.C. 1681 section 602 A, states I have the right to privacy. 
15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Ive taken the proactive approach into reviewing my XXXX, XXXX and Experian Credit Report after the XXXX 2017 breach. Ive contacted XXXX and was advised via XXXX website ; Based on Information provided we ( XXXX ) believe that your personal information may have been impacted by this incident. I enrolled in the XXXX XXXX XXXX which was offered by XXXX and locked my credit reports. I recently received a copy of my XXXX, XXXX and Experian credit report. The credit reports showed credit inquiries that I dont recall authorizing. I have wrote several disputes letters to all the major credit bureaus concerning inquires listed on all 3 major credit bureaus report and letters to the creditors listed on my credit report as well. I understand the credit bureaus shouldn't be allowed to put an inquiry on my file unless I have authorized it. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I am writing to request that the dispute settlement account from XXXX XXXX XXXX be removed from my credit report. I recently settled a debt with XXXX XXXX XXXXXXXX for {$470.00} and the debt was paid in full. As a result, I would like to have the dispute settlement account removed from my credit report. I am providing a copy of the settlement agreement and payment receipt as proof of the debt being settled. I am also including a copy of my current credit report so that you may verify that the account is accurately reported. I thank you in advance for your prompt attention to this matter.
Consumer complaint received 2022-04-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  account number XXXX and XXXX XXXX account number XXXX have violated my rights with the sections listed below. 

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 an account without my written instructions.
Consumer complaint received 2022-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking numbers. 
# XXXX # XXXX # XXXX # XXXX # XXXX
Consumer complaint received 2022-04-30
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-01-27
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: CORELOGIC INC (GA)

I have received a credit card bill XXXX XXXX, although I've never had a card from XXXX XXXX, I checked my credit an more accounts were showing in my credit therefor I have noted them  in this report to dispute them, these accounts below do not belong to me an are fraudulent. I have attach my id to proof my identity in this complaint.
Consumer complaint received 2018-02-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Im writing to file a complaint about portfolio rc. I previously filed a dispute with XXXX   regarding the matter and they just sold the debt to another collections agency once XXXX  removed it. I have tried to dispute it with them and they have advised that the debt is legit and they will continue to pursue.
Consumer complaint received 2018-02-12
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: Experian Information Solutions Inc. (CA)

I have absolutely no idea what this account is, I have never opened a account with this creditor and want this removed. 

I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report, also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud reports with them. 

This account with XXXX XXXX is fraudulent and has no merit or basis in my credit report.
Consumer complaint received 2021-06-09
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Payward Ventures Inc. dba Kraken ()

Hi there, I am from XXXX and I was using the exchange platform called Kraken ( www.Kraken.com ) So I was using it with all due verifications, then on Monday, XX/XX/XXXX my funds were " frozen '' they were kept on hold, and when I asked the reason why they are on hold, on Tuesday, XX/XX/XXXX I was told to provide a picture with a handwritten note - " Only for trading digital currency on www.kraken.com - my e-mail address is **** '' and include : the current date your signature # *** " ; So I sent them the picture and form they asked to fill, the form was with the following questions : 1 ) Acknowledge the statements, indicating Yes or No beside each. 
You are opening and operating your Kraken account without the assistance of a third party individual. 
You have not shared access to your Kraken account ( either using remote access software and/or providing your accounts login credentials ) with a third party individual/company. 
You have not been contacted by a third party individual/company and instructed to set up a Kraken account for the purpose of withdrawing crypto to a third party platform. 
You understand that cryptocurrency withdraws are irreversible ( meaning you can not reverse the withdraw or recall the funds once you have executed the withdraw ). 
You are complying with Section 13 of our Terms of Service*. 

So then I was asked if I have only one account since they saw that someone tried to open another account from my device, my answer was - " I have only one account and no one uses my devices except me, what should I do?? i am going to change my password from my devices, should I change my account password? Tell me please what to do? '' Then no answer for the whole day. On the next day Wednesday XX/XX/XXXX i received the message from them stating that they have closed my account without any explanation ( please see the attached email screenshot ) So for no reason, they closed my account without explaining anything even though I went through all verifications and even through additional verification with a picture of me. I lost money due to that and lost time I want them to restore my account fully, if this is because I am from XXXX then they should remove XXXX from the list of supporting countries. 

Please help me with this issue, it's unfair and unjust to close the account for no reason. 
Best Regards,
Consumer complaint received 2021-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: DISCOVER BANK (GA)

I have several hard inquiries on my credit report that are fraudulent I need removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXl XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-04-30
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. (CA)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions