davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On, XX/XX/21 I have put in several disputes about a Bankruptcy on my credit report. Each time you tell me it have been verify and accurate. You also told me you get my information was verified through XXXX. I have attached letter from XXXX and the Bankruptcy court in XXXX XXXX. 

XXXX, stated they do not have a bankruptcy reporting to my file or on my file, and XXXX XXXX courts stated they have not shared or give you any information related to a bankruptcy. 

You are lying about the information being verified and accurate. 

I see your reporting agency have violated several federal and state laws regarding my right as a consumer to privacy.
Consumer complaint received 2022-02-20
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: DISCOVER BANK (CA)

Discover bank is doing fraud with me, they have nothing else to do, I filed a dispute of {$33.00} which was done with the merchant " XXXX XXXX XXXX XXXX XXXX XXXX '', first discover gave me a credit and later after many days sent me an email stating they are reapplying the credit as they need to do further investigation. ( please see attached files, it seems discover ultimately charged me the money ) They first gave me a credit and then doing a debit now and if the investigation will be found in my favor will again give me a credit, why they have to go through all this when they can just give me a final credit after all the investigation is complete. 

this whole process is just to make the customer confused and do fraud with the customer.
Consumer complaint received 2020-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NC)

On XX/XX/2019 Me and my wife opened a mortgage account together. XXXX the loan servicer was originally reporting the loan twice on my personal credit report with Equifax. As XXXX and as XXXX, this was disputed due to the credit report showing two loans for the same mortgage, effecting my debt to income ratio. Which violated my rights as a consumer and the FCRA. This resulted in both loans being removed from my credit report. Now information that should be reporting is not reporting. XXXX should be reporting to my equifax credit report with the accurate loan information. Accurate information is now missing.
Consumer complaint received 2022-11-20
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. (TX)

I SENT ALL 3 CREDIT REPORTING COMPANIES LETTERS TO VERIFY THE ACCOUNTS THAT ARE ON MY REPORT. XXXX XXXX, XXXX, AND EQUIFAX ARE REPORTING DIFFERENT THINGS ON MY CREDIT REPORT. NONE OF MY PERSONAL INFORMATION IS THE SAME. AGAIN I HAVE NOT RECEIVED A RESPONSE FROM EITHER OF THEM, I THEN SENT A COMPLAINT TO YOUR COMPANY ABOUT THEM AND YOUR COMPANY WHICH IS SUPPOSED TO BE FAIR TO THE CONSUMER THEN INFORMED ME OF THE COMPANY RESPONSE. FIRST, NEITHER OF THE CREDIT REPORTING AGENCIES HAS SENT ME ANY PROOF OF DEBT. I DON`T CARE WHAT A COMPANY SAYS IS MINES I WANT PROOF OF DEBT AND PROOF THAT I APPLIED FOR THE CREDIT THEY ARE REPORTING AS A INQUIRY. I SHOULDN'T HAVE TO GO BACK AND FORWARD WITH THEM ABOUT MAKING SURE THE STUFF THEY REPORT IS ACCURATE. YOUR COMPANY ALREADY KNOWS THE LAW SO I DON`T HAVE TO TELL YOU MY RIGHTS AS A CONSUMER. NOW, I HAVE STATED THE INFORMATION THAT IS BEING REPORTED IS INACCURATE AND FALSE AND I WANT IT DELETED. IF I NEED TO GET A LAWYER INVOLVED I WILL BUT YALL ARE GOING TO DO WHAT'S RIGHT BECAUSE YOU ARE OBLIGATED TO DO SO. THE FOLLOWING ACCOUNTS ARE INACCURATE AND NEEDS TO BE REMOVED : XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX AND XXXX
Consumer complaint received 2022-02-19
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. (FL)

When i called the credit bureau ask can i have a copy of my credit File ( not my report ). I was told it would be sent to me and i never receive it. This was over 30 days ago. I would like to know why i havent received it. If this suppose to be my credit FILE why I cant have a copy of my FILE. This goes against my consumer right.
Consumer complaint received 2022-09-15
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. (AZ)

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX, XXXX XXXX XXXX Original creditor : XXXX XXXX. 

15 USC 1681 section 602 A States the rights to privacy.

15 USC 1681 section 604 section 2. It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 166B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

15 USC 15 usc 6802 B, c, d obligation with respect to disclosure 1681 A and E term investigative needs to be interviewed 1681 D Disclosures portion to request investigative report consumer given explanation to not disclose you have right to opt out.
Consumer complaint received 2022-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (WI)

On XX/XX/22, XX/XX/22, and XX/XX/22 my bank account was hacked. They reversed the charges of XXXX worth of bills that I paid in the last year. Then they sent the money to people I don't know via XXXX and wire transfers. I think my phone was hacked too. I contacted the bank for a fraud investigation and also spoke with the claims department. They told me I could go to any branch and withdraw my remaining money. I went to 3 branches and they wouldn't let me withdraw my money. I asked to speak to a manager. She refused to meet with me. They called the fraud department in my presence, and I was told that they were not even doing an investigation. The claims department didn't know what was going on either. I am now facing repossession of my car, eviction, and I have a million creditors hounding me for money. The bank is FDIC insured. I contacted the police who said there was nothing they could do. No one will help me. I didn't do anything wrong and now my life has been turned upside down. The company is JP Morgan Chase bank.
Consumer complaint received 2022-11-20
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ERC (NV)

I'm very upset by the invalid information found on credit report via XXXX. I do not owe Enhanced Recovery a balance of {$160.00} in collections. This debt shows XXXX and past due as of XXXX of XXXX. The debt went into collection in XX/XX/XXXX. I sent a letter to dispute the collection debt.
Consumer complaint received 2016-07-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC (AZ)

My husband received an affidavit of renewal of judgment few days ago. It so happened that I pulled our credit report because we are looking into buying a house, well on that credit report it shows that its been satisfied since XX/XX/XXXX. We 've paid this off. So now we are being sued.
Consumer complaint received 2022-11-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BlockFi Inc (NH)

Requested a withdrawal of XXXX from my BlockFi wallet to another wallet on XX/XX/XXXX prior to receiving an email stating that withdrawals would be paused. The request was initiated and was scheduled to go through on XX/XX/XXXX. As of XX/XX/XXXX that request is still pending.
Consumer complaint received 2022-11-14
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. (NY)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX  shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5800.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, TBOM/FORTIVA XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2022-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

XX/XX/2022 I purchased five round-trip airline tickets, using my Citi XXXX XXXX credit card. 
XX/XX/2022 I called Citi customer service to confirm that each of us could check one bag for free because I used the Citi XXXX XXXX credit card. The customer service agent assured me that YES, each of us could check one bag free. She explained that I may have to pay at the airport but to rest assured that Citi would refund those charges. 
XX/XX/2022 we checked four bags and the agent required that I pay for all four checked bags at a cost of {$30.00} per bag. Total charged {$120.00}. 
Three of the four bags could have been carried onto the airplane, but I chose to check them because Citi assured me that I could check up to five bags free. 
XX/XX/2022 we flew back home and did the same thing - checked four bags, paid {$120.00} to the agent knowing it would be refunded per Citi 's assurance. 
I filed a dispute of these charges with Citi. Citi created 8 seperate disputes ( one for each baggage charge ). 
Eventually Citi refunded me {$60.00} for baggage fees on XX/XX/2022. 
I believe Citi still owes me {$180.00} for the other baggage fees. 
I have screen shots of the online conversation with Citi customer service. I submitted this to Citi.
Consumer complaint received 2022-02-19
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: JPMORGAN CHASE & CO. (CA)

I am writing to request a correction of the following information that appears on my XXXX  consumer report Explanation of item being disputed : A JPMC company credit card account is associated with a separate corporation has started to be listed on my personal XXXX credit report. I am not personally liable for this account. However, even though I am not personally liable for this account, JPMC are now reporting this account on my credit report and demanding payment from me. I have previously requested that they provide me with documentation establishing that I am personally liable for this account, such as a contract or card agreement, but they have not done so.
Consumer complaint received 2020-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (CA)

I recently learnt that my personal information was stolen and opened a fraudulent account by Discover Financial Services ( acc no : XXXX ). I am a victim of identity theft. The thief stole my personal identification information and opened a fraudulent account without my knowledge. I disputed this fraudulent account with XXXX, XXXX, and XXXX and they deleted Discover Financial Services account from my credit report. But recently XXXX reinserted this fraudulent account back to my credit report.
Consumer complaint received 2022-02-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (CA)

I ran to the car from enterprise I kept the car a week later than previously paid for the company took my deposit and then charge me an additional {$660.00} which was not authorised and its continuing to still try to charge me more money do you say and I drove XXXX miles which theres no way XXXX miles Max my check in Company Chime allow them to charge me only did they allow them to charge me but the card that was on file was stolen from my possession which I then locked the card off chime went in my account locked my card on and removed my ability from turning the card off and allowed them to charge me the money that I did not tell them that we do not arrange my deposit cover the extra week easily period
Consumer complaint received 2022-11-20
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)

The three consumer reporting agencies are reporting false and inaccurate information on my credit report. I requested verification and received a response that an investigation was done and that the debts are verified. I never received proof of an investigation which I requested. The debts are still reporting inaccurately The accounts are XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXXXXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX
Consumer complaint received 2022-02-20
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. (MO)

On XX/XX/XXXX, I disputed an account on my credit report ( XXXX XXXX XXXX ) to XXXX, XXXX and Equifax. I got a response stating that this item was verified on XX/XX/XXXX. I submitted another dispute letter, Method of Verification, on XX/XX/XXXX stating the reasons why this account should not be reported on my credit report and to remove it immediately. I also asked for this account to be reinvestigated within 30 days. I received a deletion for this account on XX/XX/XXXX. This account was permanently deleted off of my credit report on XX/XX/XXXX. As of today XX/XX/XXXX, this same account has reappeared on my credit report when it was previous deleted. I have had this happened to me numerous of times with other accounts I have been disputing over the months as well far as renaming the account but still using the same account number for the account that was already removed as well. Please delete this account, ( XXXXXXXX XXXX XXXX ) from my credit report immediately.
Consumer complaint received 2022-01-30
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. (MI)

I HAVE CONTACTED EQUIFAX ON 4 DIFFERENCE OCCASIONS AND HAVE SENT AND CONTIUE TO SEND DOCUMENTATION FOR INQUIRES THAT ARE NOT MINE! THEY CONTINUE TO GIV EME TH ERUN AROUOND WITH NO ASSISTANCE. I WAS TOLD TOLD TO COMPLETE THIS REPORT WHICH I HAVE AND SENT IT IN, 5 TIMES AND TH EWLATEST BEING CERTIFIED. THEY HAVE YET TO RESPOND AND I HAVE SEVERAL CONFIRMATIONS SHOWING THAT THIS WAS RECEIVED.
Consumer complaint received 2020-01-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (FL)

I paid {$550.00} for a home appraisal that took place on XX/XX/2019 with Better Mortgage. Due to terrible service, I switched over to XXXX XXXX. Now, in the final stages of the refinance process, Better Mortgage is refusing to send over the appraisal to XXXX XXXX. They are making claims that they are not allowed to but we know the real reason is to stronghold me back to doing the refinance with them. Please help me, I just want them to transfer the appraisal over to XXXX XXXX.
Consumer complaint received 2022-08-04
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: Experian Information Solutions Inc. (SD)

XXXX XXXX XXXX XXXX bought a balance sent to collections by XXXX XXXX XXXX. The XXXX shows as a closed collection account on my credit report. XXXX has reported this as a new collection account with their company, even though it duplicates an existing debt. I have disputed it with the company and they refuse to remove it without payment in full ( extortion ). They show the account was opened with them in XX/XX/2022 ( which, I assume, was when they bought the debt ). They have tanked my credit with this and made me unable to re-finance my student loans. This is illegal, extortion, and predatory. Please help! 

I've attached Experian, but they are fraudulently reporting it to all 3 major credit bureaus.
Consumer complaint received 2022-01-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (CA)

I made a {$300.00} purchase of XXXX on Coinbase. ( My daily max buy limit was {$11000.00} ) received a confirmation of {$30000.00} transaction. Called and emailed Coinbase immediately to notify the amount was to be {$300.00}, not {$30000.00}. Received an email that it was canceled due to insufficient funds. Coinbase then increased my daily purchase limit to {$35000.00} and charged my bank. I was negative XXXX and savings account drained. XXXX bank reversed this. Coinbase is threatening to sell all my assets to cover this.
Consumer complaint received 2017-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was shocked after I reviewed my XXXX, XXXX and XXXX credit reports and saw that I was reported as having a late payment on the date below : 30 days past due as of XX/XX/XXXX 2017 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this transpired, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time. 

I do ask in light of the good standing relationship we have that you remove any late payments from my credit report and refund me any late fees that was added to my account. I do not believe it is accurate and did some research on some laws called the Fair Credit Reporting Act ( FCRA ), the Fair Credit Billing Act ( FCBA ) and also XXXX XXXX guidelines set forth by the XXXX XXXX XXXX XXXX ( XXXX ) which I could use to protect my rights.
Consumer complaint received 2022-02-19
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: CITIBANK, N.A. (SC)

I have several inquiries on my report that is not mine. I have contacted the companies, XXXX, and XXXX to try and have it corrected but no action as of yet. I could really use your help to correct these fraudulent inquiries. 

XXXX = Citibank NA XXXX XXXX = XXXX XXXX XXXX Citibank NA XXXX XXXX = XXXX. XXXX XXXX Citibank NA XXXX XXXX = XX/XX/XXXX XXXX XXXX XXXX =XXXX. XXXX XXXX XXXX = XXXX. XXXX XXXX XXXX = XXXX XXXX = XXXX. XXXX XXXX XXXX XXXX = XXXX. XXXX XXXX
Consumer complaint received 2016-10-28
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P. (PA)

I sent a debt validation letter to this company on XXXX because I 've never received any communication prior to them listed this account on my credit report. As of today they verified this account with all three bureaus but still no communication or proof of this debt. There 's a few pieces of information that is. It matchkng up even beteeem the XXXX bureaus the information does n't match nor does the amount they are trying to collect on. I am being the responsible one here and this company is not cooperating. I have proof of my certified letters as well. This accountn eds tone deleted as soon as possible based on a FCRA violation.
Consumer complaint received 2017-01-26
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Collection Information Bureau, Inc. (FL)

I decided to check my credit before applying for a car lease and to my surprise I saw I have a collection on my credit report. I did n't received a notice to dispute the validity letter, where I have XXXX to dispute the validity. Under the FCRA they are required to send me this letter PRIOR to reporting anything on my credit report.