davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-19
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: EQUIFAX, INC. (MO)

I am bothered by the actions made by the Credit Reporting Agencies! They have failed to comply with the FCRA section 605b and continued reporting the disputed accounts and information on my Credit File that resulted due to Identity Theft. I have been sending multiple written letters addressed to the Credit Bureaus requesting that they remove all the disputed accounts and information from my Credit File or provide me copies of documents bearing my signature to support the Credit Bureaus claims that the disputed information belong under my name. Either which, the Credit Bureaus have failed to do so. I am now submitting this complaint to you today to inform the Credit Reporting Agencies that I am in talks with my Legal Counsel to initiate legal response for the Credit Bureaus incompetence and negligence. Under the FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identiy theft. I need the following items deletes as soon as possible : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TXXXX XXXX XXXX XXXX XXXXXX/XX/20XXXX XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/2022
Consumer complaint received 2024-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hello. I referred XXXX XXXX to Capital One XXXXXXXX XXXX a few weeks ago. 
His email is XXXX, and his address is XXXX XXXX XXXX, XXXX XXXX, XXXX CA XXXX I gave him my referral link and saw him sign up with my referral link and he was approved. I still have not received my XXXX miles. Please credit me my miles.
Consumer complaint received 2022-07-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (MO)

On XX/XX/XXXX I opened a new Regular Citibank checking account in the amount of {$50000.00} in conjunction with an online promotion that was supposed to pay out a bonus of {$700.00} if funds were left in the account for a period of time. In mid XXXX, I called Citibank to inquire why I had not received my bonus payment and was told " give it a little more time '' as I didn't have the funds in the account as long as required. When I told the representative that I believed the funds had been on deposit for the required period of time, again I was told to give it more time. At the end of XX/XX/XXXX, I reached out again to Citibank via chat and was told that my funds had certainly been on deposit long enough and they would submit an inquiry/claim for me. I was told that I would receive a response from Citibank via email after approximately 5 days. 

Having received no email after 2 weeks I checked my account online and noticed that Citibank had placed a response denying my claim under my account on their website. 

I believe I opened, funded, and maintained this Citibank account as detailed under the promotion. The promotion stated ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ OPEN- NEW ACCOUNT Open a new checking account in an eligible account package from XX/XX/XXXX to XX/XX/XXXX. 

FUND YOUR ACCOUNT Deposit New-to-Citibank Funds into your new checking account within 20 days of account opening. The balance on your XXXX day will determine your maximum eligible cash bonus. 

MAINTAIN YOUR BALANCE Maintain the required Minimum Balance in your eligible account for an additional 60 days from the XXXX day. 
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Citibank employees were unable to give accurate information. Citibank 's promotions are deceptive.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Open XX/XX/year> Balance : {$1400.00} Under the FDCPA, I am entitled to dispute the validity of this debt within 30 days. If you are unable to validate the debt, I request that you cease all collection activities and remove any negative information related to this debt from my credit report, as outlined under the FCRA.
Consumer complaint received 2022-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-08-19
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act XXXX Account XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX Account 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 2022-07-13
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. (PA)

In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15usc 1981 Accounts 1 ) XXXX XXXX XXXX Account 2 ) THE FICO XXXX  XXXX  Account 3 ) TRANS UNION Account 4 ) XXXX Account 5 ) XXXX XXXX XXXX Account 6 ) XXXX XXXX XXXX Has violated my right. 15 usc 1681 section 602 ) State I have a right to privacy. Section ) 604 Consumer reporting agency can not finish a account without my written instructions Also if you read 1681s-2 ( A ) 1 1681c. ( A ) ( 5 )
Consumer complaint received 2022-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

This is myXXXX endeavor that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} Medical XXXX Balance : {$77.00}
Consumer complaint received 2022-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting act Account : XXXX XXXX, Account # : 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 2022-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (CA)

Barclay XXXXs bank XXXX XXXX XXXX XXXX XXXX. 
While traveling, my credit card was compromised. I called Barclay 's bank and requested that the card be cancelled and a new card sent. I never received the card so on XX/XX/XXXX, I paid the final bill and closed the account. I later received a statement charging late fees and interest. I disputed the charge and was told that it would be waived. I received a statement the following month still showing the fees so I called Barclay 's. They had trouble finding the account but eventually did and told me that the fees would be waived. I began to receive daily " Robocalls '' about the late balance, each time that I called Barclay 's, I was told that there was a 0 balance, and that the system needed to update. On XX/XX/XXXX, I received notice that the late payments were submitted to the credit bureau, damaging my credit rating. I called Barclay 's again, after 69 minutes on the phone, I was able to get a manager who claims to have resolved this issue. In all, I have made 6 phone calls, each lasting about 45 minutes because the agents are unable to locate my account. To avoid further compromise to my credit score, I paid the balance which I will now have to try to recoup. I believe that this is planned obsolescence on the part of Barclay 's Bank to charge fees which are not due.
Consumer complaint received 2022-08-19
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: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$0.00} and XXXX XXXXXXXX. XXXX Date Opened XX/XX/XXXX Balance {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-08-19
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

I signed up for a " sales program '' to learn the skill set of sales and closing. this program is called, " XXXX XXXXXXXX XXXX XXXX XXXX '' this costs {$7500.00}. which i am financing, and am bonded to a contract. some how i was upsold to one of XXXX programs called the XXXX XXXX XXXX XXXX  which required a down payment of {$10000.00} of my own money. i should have asked questions before i signed anything which was a mistake of mine but i've come to realize that this XXXX XXXX program isn't for me. it made absolutely no sense to me and i asked to resign which they have allowed me to, but won't give me back my refund. the person that upsold me should have explained to me what was to be expected when i signed up but i have come to realized he sold me on my own hopes and dreams. they told me that there has been an exchange of service on their end so they don't want to refund me. this company uses a carefully crafted script to sell people on their hopes and dreams in order to buy into their " product '' which is the sales program aka XXXX XXXX XXXX XXXX XXXX XXXX XXXX to solve their problems. once you've signed up for this program, his " sales team '' up sells you on his other " products '' which cost more for his " coaching. '' this academy claims to help people learn the " skill set '' of " sales and closing '' in order to close high ticket deals which allows you to make big commissions from whatever company you are hired for down the road. this academy guarantees job placement with one of his " multi-million dollar partnerships '' after completion of his program. this is not true. his partnerships are people that have bought into his program, XXXX XXXX, which are people that are paying XXXX for his leads and now selling his " products and services '' which is his academy and coaching services. this is a complete mlm scam and pyramid scheme because there is no real product or service. students are being incentivized for selling this product, " XXXX XXXX XXXX XXXX XXXX, '' or upsold his higher priced coaching programs. either way, there is no real product or service. his program lures unsuspecting, innocent people in with claims that students will see a " return on investment '' within 30-90 days, being able to leave your 9-5 job, being able to work anywhere from home with just a laptop or sell phone, being able to make XXXX a month or 6 figures a year. after i have completed his program i realize what a big scam and pyramid scheme this is and this needs to stop. he is preying upon innocent people who think they will make XXXX a month, leaving their careers to try and make money selling his fake program only to get him richer. i have attempted to get a refund only to told to not give up and that i will make my money back...
Consumer complaint received 2022-08-19
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: EQUIFAX, INC. (CA)

In accordance with the fair credit reporting and XXXX account number XXXX and account number 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 2022-07-13
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. (GA)

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

15 U.S.C 1681 section 602 A States I have a 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 2022-08-19
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. (CA)

Upon investigating my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable item/account/information below : XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/2018 Balance : {$2700.00}
Consumer complaint received 2022-08-19
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: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-19
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. (PA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$950.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXBalance : {$600.00} XXXX XXXX XXXX  Balance : {$11000.00} XXXX XXXXBalance : {$11000.00} XXXX XXXX Balance : {$150.00}
Consumer complaint received 2022-08-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc (AL)

On08/17/2022 I was purchasing a vehicle and needed to send the money to my friend XXXX XXXX phone number XXXX. Evidently I fat fingered a number and mistakenly sent it to the wrong person. I immediately contacted chime. They informed me that there was nothing they could do and that I needed 5o contact the person I sent it to. I have requested the {$1500.00} that I sent to $ XXXX back XXXX There has been no answer back or any payment from her. I had the representative on the phone and my app opened up while the rep was telling me how to cancel the payment and it was only XXXX minutes when they told me there was nothing more they could do. I find it hard to believe that they could not try to contact the receiver and inform them to return the money or help me in any other way. The transaction number was XXXX. The only way I know this number is going to my XXXX app where it shows this transaction number I could not find it anywhere in the chime app. I feel that I was quick enough in contacting the chime representative to cancel the transaction. I felt like I was being laughed at when talking to the supervisor and explaining that I need that money back. This will most likely force me homeless if I don't get this money back. This company has millions in revenue. This money is nothing to them. To me it is everything. I don't know what else I can do other than give my home up and live in my camping tent. Plz understand this was a simple mistake and there should be some safe guards with these types of transactions for when things like this happen. 
My name is XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX XXXXXXXX. My email is XXXX number is XXXX.
Consumer complaint received 2022-08-19
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: Navient Solutions, LLC. (SC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-07-31
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. (NV)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX XXXX Account # XXXX has Violated my rights.

15 U.S. C. 1682 Section 602A section 2 Statees I have the right to privacy 15 U.S.C 1681 Section 604A also States a consumer reporting agency Can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 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