davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-26
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. (OH)

XX/XX/XXXX : my car was taken to XXXX XXXX XXXX XXXX XXXX and I was given an ESTIMATE of work for {$3200.00} for a clutch replacement. The ESTIMATE total ( {$3200.00} ) posts to CITI VISA the same day. 
XX/XX/XXXX : I'm given an ESTIMATE for {$1900.00} for struts & steering ; the ESTIMATE total ( {$1900.00} ) posts to VISA the same. 
XX/XX/XXXX : I'm provided a FINAL INVOICE ( # XXXX ) of {$5200.00} ( total of {$3200.00} + {$1900.00} ) which I authorize payment. This FINAL INVOICE posts to CITI VISA on XX/XX/XXXX. 
XX/XX/XXXX : the car is towed into the shop. I'm given an ESTIMATE for repairwork ( # XXXX ) for {$3400.00} which posts to CITI VISA the same day. 
XX/XX/XXXX, another charge for {$3400.00} posts to CITI VISA ( this is a DUPLICATE charge : there is no estimate or final invoice to support this ). 
XX/XX/XXXX : FINAL INVOICE of {$3400.00} authorized, posting to VISA on XX/XX/XXXX ( # XXXX ) Thus, the ONLY 2 FINAL INVOICES I authorized were for {$5200.00} on XX/XX/XXXX ( posting on XX/XX/XXXX ) and {$3400.00} ( billed on XX/XX/XXXX and posting on XX/XX/XXXX ). Total : {$8600.00}. However, the shop sent through charges NOT AUTHORIZED of {$3200.00} ( XX/XX/XXXX ) + {$1900.00} ( XX/XX/XXXX ) + {$3400.00} ( XX/XX/XXXX ) + {$3400.00} ( XX/XX/XXXX ) totaling {$12000.00}. 
I disputed the charges on 3 separate occasions, the most recent on XX/XX/XXXX. They claimed the merchant was either noncooperative or produced legitimate bills ( which I have documents showing estimates and final invoices ). CITI claims that once I've entered into a business transaction with the merchant, I've authorized him to use my card ; I only authorized its use for LEGIT purchases, not FRAUDULENT ones. Every time I call CITI, I'm told they have " guidelines '' they must follow, but will not tell me what guideline is preventing them from helping me further. I've contacted the shop owner on multiple occasions, requesting this " mistake '' be corrected, but he claims that it has been ( not true ). I've written/spoken to the Bureau of Automotive Repair ( BAR ) in California ( where this shop is located ), I've written/spoken to the California Attorney General 's office ( they won't do anything against the owner, etc ), the XXXX County ( XXXX ) District Attorney, the XXXX XXXX Police Department and spoken with CITI VISA supervisors multiple times. All I get is " I'm sorry ''. I do have a police report filed, but until I can prove malicious intent, then it's considered a mistake ( which it can't be if I've spoken with the shop owner multiple times to report the " mistake '' is still not corrected ). 
I've asked CITI " in good faith '' to reopen the dispute or refund my money, due to THEIR ERROR in approving the payment of ESTIMATES, which I DID NOT AUTHORIZE. They refuse to do either. I need someone to advocate for me, please!
Consumer complaint received 2021-05-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MI)

This is a three part complaint chime bank. I've had account two years and used XXXX XXXX. If dud what they said, my score shot up. The issue as I just became a platinum member. So a preferred you get a metal card and but on XX/XX/XXXX I ordered two pairs of what I typed in and looked like XXXX XXXX $ each. I never see that cheap so later before anything coukd ship I looked and noticed it says of XXXX XXXX XXXX in some view you see a XXXX symbol in straight on nothing blank so I figured XXXX XXXX so I canceled both before they ever shipped. On XX/XX/XXXX XXXX was refunded. But that's two pairs wheres the other XXXX well XXXX says both were refunded one on the XXXX and one on the XXXX chime says no. But I keep disputing the charge. And nothing gets done. Then I used XXXX XXXX ask one question for XXXX they did not help what I asked none the less I noticed if you use you have to cancel only there's nowheee too and the tech experts don't answer where can I cancel. XXXX warned chime I don't use and don't want this charged. I calmly disputed this also. Somehow a XXXX XXXX  charge for XXXX from XX/XX/XXXX got disputed but it's a mistake its XXXX XXXX  I just noticed they sent me an email saying by XX/XX/XXXX my account is being canceled. They will not tell me why but nit in accordance with user agreement. Yet 3 weeks ago I'm a XXXX XXXX customer. I really wasn't complain about the disputes yes I want the XXXX and the XXXX back. But also that XXXX banking or plaid might be causing glitches I had XXXX and XXXX apps bug can't access my bank so whatever the reason they owe me money are being duscrunatory and canceling my account and no reason they won't tell me should be unethical business practices.
Consumer complaint received 2021-05-26
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: U.S. BANCORP (ID)

Regarding my recent Visa dispute amount of {$8400.00} for the lack of results of XXXX XXXX : USBank closed my dispute because it wasn't in the the 60 day timeframe from the XX/XX/20 transaction. The doctor kept telling me to " Wait and see another month, it may look different ... '' each time I contacted him. So he pushed me to wait 6 months, meanwhile, he probably knew the time limit to file a chargeback is apparently 60 days with Visa. 

By the time the doctor finally said, " No, there's nothing more I can do for you, '' it was 6 months post transaction. I had to get the XXXX redone and will likely need one more this year on my XXXX XXXX to look normal again. 

I feel duped not only by XXXX XXXX, but also by the these credit card companies that claim to protect you from poor quality service. How can they protect issues like these when the time limit won't cover " healing time '' requirements by surgeons? 

Thanks XXXX XXXX
Consumer complaint received 2021-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (MD)

On XX/XX/2021, I sent a letter to Wells Fargo in regards of an account being reported to the credit bureaus where they are reporting different numbers than my records. but they sent me a letter without the whole number that I requested. 
I wanted to know if the account was sold, and if so to whom. I sent a follow up letter on XX/XX/2021 and it was ignored.
Consumer complaint received 2021-05-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NC)

Closing disclosure stated the funding transfer date would be XX/XX/2021. However, it it now XX/XX/2021 and we have not received funds. Called on XX/XX/2021 right before XXXX and spoke with XXXX XXXX and was told funds would be transferred on XX/XX/2021. Have called and emailed to no avail. They are intentionally withholding our funding after we have been through the three day waiting period. We are under the impression this is to collect interest on that money for as long as they can, before they send us the funding we agreed to in the refinance agreement. We can't get calls back or updates. We have had to pursue getting this done and done correctly, this entire time. Never once have we been made aware of an issue before we have to call wondering why something isn't done. We have construction crews on hold until we get these funds, for our remodel. My mother has stage XXXX XXXX XXXX and we will be leaving at the end of XXXX to visit with her and the timeline for our renovation keeps getting pushed farther and farther out because Mr. Cooper is refusing to release the funds that they owe us. It is getting pushed to the point where we will likely have to delay until after our visit with her because they won't be able to get inside our home, without us there.
Consumer complaint received 2022-06-06
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: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting Act XXXX  account # XXXX XXXX XXXX XXXX XXXX Ref # 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 A Section 2 : it also states a consumer reporting agency can not furnish a account without written instructions 15 U.S.C 1692 C
Consumer complaint received 2021-05-26
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: EQUIFAX, INC. (CA)

I demand the deletion of the fraudulent inquiriesand public record listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXXXXXX XXXX XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Chapter XXXX Bankruptcy XXXX. THIS ITEM DOES NOT BELONG TO ME! 
XXXX # XXXX. 
Inaccurately posted on XX/XX/XXXX.
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2022-09-24
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. (MO)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$120.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ;
Consumer complaint received 2022-09-24
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. (MO)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to XXXX and TransUnion XX/XX/22, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If XXXX and TransUnion do not authenticate these accounts, I will take legal action against them. Please abide with the law in order for this matter to be resolved promptly. 


XXXX XXXXXXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX Balance : {$2700.00}
Consumer complaint received 2022-08-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (VA)

I wanted to know if there were any recourse of action being a pervious Navient lender borrower since there were many who had the lender that received refunds due to Navient mishandling of their student loans. I wanted to know if my case qualifies for the refund. 

Thank you
Consumer complaint received 2021-05-25
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. (GA)

IM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THSES ACCOUNTS ARE HURTING MY CERDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS. OLD ACCOUNTS SHOULD NOT BE ON MY CREDIT REPORT
Consumer complaint received 2021-05-25
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: Affirm Holdings, Inc (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2022-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (FL)

The reason for this letter it to dispute an unauthorized inquiry on my credit report. I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of. Because I did not apply for credit with the company stated below XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX JPMCB CARD  XX/XX/XXXX XXXX I have also reached out asking that they remove the inquiry from my credit profile. Please launch an investigation into XXXX XXXX JPMCB CARD inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if the creditors above is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter.
Consumer complaint received 2022-09-23
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. (CA)

In its response to Complaint # XXXX, Equifax falsely claimed that there were no freezes or blocks or anything else to prevent access to credit files. 

Independent consumer investigation disclosed that in fact such a block had been existence since XX/XX/2022 with the simple remedy of transmission of ID docs to Equifax fax # XXXX. I am in possession of those faxed documents as well as the fax confirmation dated XX/XX/2022 XXXX XXXX  documenting the transmission of said documents.
Consumer complaint received 2019-03-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (OK)

I XXXX XXXX had on two separate occasions submitted a loan modification to my mortgage servicer XXXX XXXX XXXX. In XX/XX/ 2019, after clearing waiting for an answer from the previous modification package, I was told that title did not clear due to a lien against my property. I had to do my own research to find out that my divorce attorney never filed a release on his file after being paid in full. I then resubmitted a totally new application, and while it was in final underwriting review, the loan servicing rights were transferred to Mr. Cooper, formerly XXXX XXXX XXXX XXXX While I was going through my divorce, my house went into foreclosure. I am not financially able to afford a restructured mortgage payment, yet Loan Depot violated every right I maintain under the Fair Debt Collection Practices Act. I have requested a clean mortgage assistance package to be either mailed to me or by email to resubmit a new modification package, and even asked the attorneys for the mortgage servicer to help me obtain this modification application. I need my rights protected and request a mortgage assistance application to be emailed to me immediately.
Consumer complaint received 2021-05-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Winklevoss Exchange LLC (CA)

On XX/XX/2021, they froze my account due to no reason. I was logging in but it said my account is frozen. I have {$60000.00} that I want to withdraw but I cant due to frozen account. I cant upload my ID because it is restricted due to frozen account. I emailed Gemini support and I received an email that it will escalate to another team but theres no response after that. I emailed many times to the same email but no response. I messaged through XXXX and XXXX, no responses. I tried changing my password many time to see if they can unfreeze, that didnt work. This is very unacceptable and irresponsible that they do not have a live person for customer support. Its automatic and you can not leave a message and they wont back to me. I want them to unfreeze my account and let me upload ID to verify to get the process going ASAP. Its almost a month.
Consumer complaint received 2021-05-07
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: EQUIFAX, INC. (TX)

This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!
Consumer complaint received 2022-09-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Rapid Auto Loans LLC (FL)

Hi I paid the loan 2 months ago and last week I went to the DMV and I couldnt get the title because Rapid Auto Loan has a lien on my car I called them several times and they said is not them
Consumer complaint received 2021-05-06
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC (VA)

In XXXX of XXXX i was contacted by XXXX XXXX XXXX XXXX. This company is reporting erroneously about two accounts i had with Credit Control after being settled and after having acknowledged and sent confirmation of said settlement. One debt was settled on XX/XX/XXXX and the other was settled XX/XX/XXXX. I received two statements that reflected that the both accounts were settled in full.
Consumer complaint received 2021-05-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NY)

Hello, i've tried to get this situation resolve alot of times. i was XXXX  2015 at the time of this collection i was not aware of this. i spoke to a rep and i stated that i was only paying it ( {$610.00} XXXX to get it remove from my credit ( Transworld system XXXX she told me that it will be removed. ive checked and its still there. i strongly believe that i should'nt be responsible for someone using my information. please help.
Consumer complaint received 2019-03-27
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: EQUIFAX, INC. ()

I tried going through the centralized website XXXX and then through equifax to get my credit report as I believe I am the victim of identity theft. 

Neither are willing to help me even though I verified all the credit information questions over the phone for equifax. Since I am living abroad in XXXX where I am a student, they are refusing to help me see my credit or to mail the credit report to either me or my family. 

They are negligent in their responsibility to help me and are endangering me by being irresponsible and now I am unable to act to secure my credit or my identity. 

The US government should fine these companies and provide a public option.
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

ive noticed a few new inquiries on my credit reports this is a violation 15 usc 1602 ( p ) UNAUTHROIZED USE and 15 usc 1681b ( a ) ( 2 ). Ive attached an FTC report. 
XXXX XXXX XXXX XX/XX/21 XXXX- XX/XX/21
Consumer complaint received 2021-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CARD Corporation (OH)

Re : Card Premium Bank Account by XXXX. 

Received an unsolicited VISA debit/credit card in the mail. 

On XX/XX/2021 I Tried contacting the issuing company by the number listed : XXXX and visiting the website dashboard.card.com. No option to speak with an actual person was available. The only way to proceed through the menu was to provide a full Social Security number. 

They issued me a routing number and account number although I've never requested an account. 

This seems very much like a phishing scheme trying to get my personal information.
Consumer complaint received 2022-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have credit inquires on my credit from, XXXX XXXX XXXX XXXX XXXX XXXX I have reached out to the bureaus they were no help had me on the line waiting and still no help