davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-29
Product: Credit 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: AMERICAN EXPRESS COMPANY (GA)

I placed an order from XXXX on XX/XX/2023 for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for the amount of {$5600.00}. It was subsequently delivered on XX/XX/XXXX, and I reached out to the merchant, XXXX, same day via email. 
My issue with the order was I received XXXX empty boxes from the merchant. The merchant replied back via email that the weight of the box was XXXX and other email communication attempts to resolve the issue with the merchant XXXX was nonexistent as the merchant did not answer any further emails regarding the issue of my order only arriving with empty boxes. 
I filed a dispute online with my Amex credit card, and the first resolution was that they sided with the merchant and I contacted live chat to receive documents as to why they sided with the merchant. I never received these documents. I reopened the dispute on XX/XX/2023 and submitted the empty boxes as proof of the empty boxes I received from the merchant. It was again closed in favor of the merchant. I reached out to live chat again to receive the documents provided by the merchant and this time asked them to send via mail for a physical copy since I filed police report for the order as the value is pretty considerable. As of filing of this complaint, I still have yet to receive any proof of what the merchant submitted for the bank to side with them.
Consumer complaint received 2019-03-09
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. (MD)

I wrote each bureau regarding accounts that are currently reporting to my credit that are a result of identity theft and are not mine. In my request I asked them to remove these items due to them being a result of identity theft, and they have not done so and they have not responded. 

TransUnion are reporting the following fraudulent accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX are reporting the following fraudulent accounts : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX - XXXX, XXXX XXXX XXXX XXXX, and XXXX - XXXX I then asked them to provide proof that these were my accounts due to them not having removed them and they did not respond. Both failed responses exceeded the 60 day standard timeframe it takes for them to respond.
Consumer complaint received 2023-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I have moved from the USA to XXXX  in XX/XX/XXXX but did not close the personal account held with Bank of America as my employer had plans of sending me back in couple of years. All was going well so far. 
During first week of XX/XX/XXXX, I updated my mailing address to my current address in XXXX  and received a renewed credit card from the Bank. A week later I tried to update my primary address after logging into my bank mobile app and which I was able to do successfully but moments later my account got locked and I was unable to login as system suspected that it may be a fraudulent activity. 
Called the Fraud department of the bank on XXXX XX/XX/XXXX and I was asked to provide a phone number from the States to verify my identity by sending code. As I am no longer using any number from the States so that option failed, next thing I was told that a reference code will be sent to my address after receiving which I need to call back. 
On XXXX XX/XX/XXXX, spoke to a representative over phone from fraud department but the person did not share any information whatsoever about the address where I am supposed to receive the reference code. Again, on XXXX XX/XX/XXXX, spoke to one more representative over phone but this time I was informed that it is the primary address in the USA where the reference code was sent on XXXX XX/XX/XXXX. Having informed that I no longer live there as it was a rented apartment, so requested to resend the code to the mailing address updated with the bank but the request was denied, and the representative repeatedly told me during our conversation that I need to visit the nearest Bank of America branch with 2 proof of identity to get the account unlocked. I made my situation known that I can not travel back to the States as I no longer hold a valid visa. But all I get in reply is, it is the ONLY option available to me to get help. I am in need of the funds but can not do anything to get the issue resolved while I am in XXXX. Please advise and help!!!
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

There is a public record of eviction XXXXXXXX XXXX  WI of XXXX that does not belong to me and i have tried to get them to confirm this information and the refuse to comply. 

There is a criminal record for XXXX XXXX XXXX that has been dismissed and case has been sealed XX/XX/2023 they are still reporting.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-29
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation ()

I received an email saying that I had signed up for a Netspend Prepaid Account using my email address. ( www.netspend.com ) I tried to log in and reset the password, but this was not able to work for my email address. 

I live in the XXXX, so I am unable to contact XXXX phone numbers on my phone contract so I am unable to call them. 

They are unresponsive in email, and claim that it is a data protection issue to resolve the issue over email, depsite myself explaining that there is identity fraud being used using my email address attached to the account. 

They will not close the account linked to my email address, and when I asked them to call me, they arranged a call, but the call never came.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CT)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX, NY XXXX ; XXXX XXXX  XXXX, NY XXXX ; XXXX XXXX XXXX, XXXX ; XXXX  XXXX Balance Owed : {$0.00}.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am formallysubmitting this CFPB complaint to report and request the removal of fraudulent items from my credit report, which are inaccurately reflecting my credit history due to identity theft. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. I have outlined the details of the fraudulent items along with an explanation of the situation : I did not open or authorize the items listed above. It has come to my attention that I have been a victim of identity theft, and the reported fraudulent items are a result of this criminal activity. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the fraudulent items associated with the mentioned items, as it is negatively affecting my credit history and financial well-being. I am aware of the legal requirement for credit bureaus to investigate and respond to disputes within 30 days. Given the seriousness of this matter, I am seeking your prompt attention and resolution. Please provide me with a written confirmation of the removal once the investigation is complete. Furthermore, I request an updated copy of my credit report reflecting the accurate and corrected information, once the fraudulent items has been removed. These are the following fraudulent items that I want to disposed of : XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX DP OF EDUC XXXX Balance : $ XXXXDP OF EDUC XXXX Balance : $ XXXXDP OF EDUC XXXX Balance : $ XXXXDP OF EDUC XXXX Balance : $ XXXXDP OF EDUC XXXX Balance : $ XXXXDP OF EDUC XXXX Balance : $ XXXXDP OF EDUC XXXX Balance : $ XXXXXXXXDP OF EDUC XXXX Balance : $ XXXXDP OF EDUC XXXX Balance : {$8100.00} XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX, MO XXXX.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CLGF Holdco 1, LLC (NY)

In accordance with the Fair Credit Reporting act Genesis FS Indigo Card violated my rights. 15 U.S.C 1631 section 602 A. States I have the rights to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

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Consumer complaint received 2019-08-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/19 I used XXXX to make a purchase and was scammed for {$500.00}. XXXX is the preferred quick pay method from my bank, Chase. This is supposed to be a supported and trusted app/partner to Chase, and I was under the assumption Chase and/or XXXX would provide protection similar to XXXX in order to have me use their app instead of XXXX - advertising this was a safe transaction. Within an hour of the transaction I called Chase to stop the transaction and they refused to stop it, even though the transaction is still in Pending status to report it, or provide any recourse to me. They would not stop or cover the amount of the transaction or even contact the scammers bank, XXXX XXXX to attempt to recoup funds. I called XXXX as well, they would not stop the transaction or reverse it, they said they would call XXXX XXXX to attempt to block the scammer from accessing the funds - however Chase and XXXX both refused to work with XXXX XXXX to attempt to get my money back. This is just a classic example of banks taking consumers money, but doing nothing to protect the consumer or their funds. Chase handled this awfully and I advise anyone who banks with Chase to stay far away from XXXX or Chases Quick Pay option. I refuse to recommend Chase or their services moving forward and intend to further pursue this issue by filing local and national XXXX complaints as well.
Consumer complaint received 2023-08-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

SEE ATTACHMENTS! 

LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Subject : Urgent : Cease Violations Immediately or Face Serious Consequences NOTICE TO : XXXX XXXX and XXXX XXXX, I am writing to inform you that enclosed within this correspondence, you will find essential documents that serve as clear proof and evidence of the serious violations of my consumer rights. These violations have been committed by LVNV FUNDING LLC, with the involvement of XXXX XXXX and XXXX XXXX, and are in direct violation of the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and the Gramm-Leach-Bliley Act. 
These documents stand as undeniable evidence that I have NEVER granted written consent or lawful authority for the sale, purchase, storage, maintenance, or transfer of my nonpublic personal financial information. Your actions have demonstrated a flagrant disregard for my rights and legal protections. 
It is imperative that you review these documents meticulously and acknowledge the severity of the situation. The evidence at hand solidifies the fact that your organization 's actions are not only unlawful but also put you at risk of severe legal consequences under 18 USC 371, as previously indicated. This statute makes it clear that conspiring to commit offenses against the United States or its agencies, or to defraud them, carries the risk of substantial fines and imprisonment for up to five years for each involved party. 
XXXX XXXX and XXXX XXXX must recognize that their involvement in these violations is not without consequences. Your organization 's actions have put you in a precarious legal position. Immediate corrective measures are necessary to mitigate these consequences. 
In light of this compelling evidence, I reiterate my demand for the immediate cessation of all unauthorized activities concerning my personal financial information. The XXXX  out of balances associated with the accounts in question and the expunging of references to these accounts from major credit reporting agencies are non-negotiable steps that you must take immediately. 
I expect a written confirmation from you within 10 days regarding the actions you will be taking to rectify this situation. Failure to comply with these demands will leave me no option but to escalate my efforts to seek legal remedies for the violations and crimes committed against me. 
This letter, along with the enclosed documentation, marks a pivotal moment. Your response and actions will determine the path ahead. I await your prompt acknowledgment and the steps you will be taking to address these violations. 
Regards, XXXX
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Ive been receiving notifications on my XXXX consumer app stating that my identity has been compromised and is exposed on the dark web. I decided to get my consumer reports from XXXX, XXXX, and XXXX. I noticed inquiries from companies I dont have open accounts with nor did I apply for them. I have circled all the inquiries that I had know acknowledgement of on the attachments with this claim.
Consumer complaint received 2019-10-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (TX)

Withholding basic payment disbursement information On XX/XX/2019, I requested an amortization schedule for all remaining payments on my private student loan through Nelnet to confirm the payoff date as well as accumulated interest on the loan at time of completion. I first received a response from XXXX XXXX on XX/XX/XXXX, explaining how my payments are applied to each sub group within my loan. I advised them that I already knew how they are supposed to be applied ; I need an amortization schedule showing how they actually are applied. On XX/XX/XXXX, I received another response from XXXX XXXX that my payments can be viewed on the website. I told them that the amortization schedule is not available and I have asked multiple times now for this schedule, but have been ignored. A lender should not be withholding an amortization schedule from a customer. Yesterday, XX/XX/XXXX, I received this response from XXXX XXXX : " Since your interest accrues at a daily rate based on your principal and interest rate, we are unable to provide you with an amortization schedule. Please refer to your repayment schedule for detailed information regarding your repayment term. '' The above is simply untrue as it pertains to the ability to provide an amortization schedule for payments. All student loans accrue at a daily rate, and XXXX XXXX, my other student loan provider, sent me an amortization schedule based on my current auto pay with them within 24 hours. I am extremely concerned that Nelnet is intentionally withholding information because they are not applying payments correctly, and the responses received over the past three days, in which every time I have demanded the amortization schedule, are incredibly worrisome, as they are unwilling to provide the information requested.
Consumer complaint received 2019-08-01
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. (AR)

The Equifax credit reporting company has been denying me access to my credit reports from them as I have been a victum of identity theft and they have been hiding this for several years, then in 2017 they  were hacked and I found my information had been all over this [ Dark web ] sold several times, my private life and information has been severely damaged thru their negligence and failure to protect my information, im afraid to get any type of credit cards or anything because of what I found, I filed a claim with the administrator of the lawsuit and I will not accept any XXXX offers, if I have to I will file suit for minimum of the {$20000.00} claim due to the extent of what I saw, I have been trying for about five years to get a credit report from them, so I know they are hiding something from me. I recently requested thru this annualcreditreport for copies from all three companys and as to date have not received them. I believe I should be compensated for the damages not some pitiful {$120.00} amount. or their so called free credit monitoring which does nothing to fix what they allowed to happen. 

Thank you the files im sending are just a few so you can see what ive been up against with them
Consumer complaint received 2023-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

I scheduled a payment for {$2000.00} for the due date on my capital one credit card. There is a {$2000.00} limit and was over the limit. I normally pay $ XXXX payments monthly and regardless of the time or day those are made the credit is made available to me immediately. This time I paid off the balance and the company cant charge me interest so they have held my payment for up to 14 business days. The money has left my bank account and is supposedly pending on capital ones end. I find this wild considering they are release my available credit immediately any other time I make a payment. So consumers are punished for paying off their high interest credit cards by not being allowed access to their credit immediately like in any other situation.
Consumer complaint received 2023-08-30
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (IL)

I tried to use the card directly on merchant websites XXXX, kinguin.net, but that did not work. I then tried to use the card via XXXX but that did not work either. What is the point of having a gift card that you can't use? I called the company to register it but they just assured me it would work. They said that they did not receive any transactions and told me that I may have been entering the card info incorrectly. Tried to enter my card information multiple times and it still did not work. I then searched the web and discovered other people who have the same exact issue as me who never got their card to work. When I called back to get a refund they told me that it would take up to 2 months to receive a simple refund.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

To Delete Hard Inquiries - Account Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

To Delete Unauthorized Negative Items - In accordance with the Fair Credit Reporting Act ( FCRA ), the list of accounts below/attached has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 15 U.S.C. 1681 section 602 A States I have the right to privacy. 15 U.S.C. 1681 A. section 604 A States a consumer reporting agencyncannot furnish an account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) 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