davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-14
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: BARCLAYS BANK DELAWARE (CA)

the company or sales representative applied us for credit card that we didnt sign up for in the first place. We let that sales rep that we dont want our credit to be run nor wanted to open any credit cards offer and sales rep XXXX said that they dont need to run the credit because XXXX was in the system already and He is not applying us any credit card. Next thing we know we receive a letter in the mail from barclays stating that there was application for the wyndham rewards credit card that we dont have knowledge about it. This is a big NO NO to company applying credit without full authorization of the consumer and ruining their credit. This is violating the truth in Lending and TILA/Regulation Z compliance and This is a Fraud.
Consumer complaint received 2023-01-03
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. (GA)

XXXX XXXX XXXX  In accordance with the fair credit reporting act this account is violating my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1691 15 U.S.C 1681 SECTION 602A 15 U.S.C 1681 604 A SECTION 2 15 U.S.C 1681 C ( A ) ( 5 ) 15 U.S.C 1681 S-2 ( A ) ( 1 )
Consumer complaint received 2022-07-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (WA)

I had found an apartment for rent on XXXX. Upon doing my due diligence and verifying that the individual I was communication with was a real person who worked for XXXX XXXX XXXX, I proceeded to send {$3300.00} through Zelle as a security deposit so the apartment would be taken off the market. 

Unfortunately, the identity of the individual had been stolen and I was not actually communicating with the real person. 

{$3300.00} is a standard security deposit in XXXX, WA. 

The individual even sent a fake Lease Agreement stating that should I not move forward with the unit, my money would be fully refunded. 

I reported the activity to Zelle and they did absolutely nothing, not even a response. I emailed the real agent to inform him that his identity had been stolen. Apparently this has happened numerous times.
Consumer complaint received 2022-11-04
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: Experian Information Solutions Inc. (IL)

Experian is not properly reporting all of my payments. Experian is not reporting payments made in XX/XX/2016. I have tried in good faith to rectify this with experian and they do nothing with my investigation. I am keeping all of my claims and disputes that I have filed for a civil suit against Experian. They refuse to investigate my claims and marked my last dispute as a duplicate. Of course nothing was done by Experian. I am yet filing another complaint in hopes of Experian correcting my credit report to reflect all payments made to prestige XXXX XXXX. XXXX XXXX XXXX reported a payment made XX/XX/2016 and Experian refuse to update all payments made.
Consumer complaint received 2021-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (WA)

1. CitiCard misapplied two XXXX 2021 payments to my City Diamond Preferred Card account they had closed ( # XXXX ) due to inactivity, with NO notification to me, giving me a chance to keep this card active. 
2. When I called CitiCard @ XXXX on XXXX @ XXXX XXXX about this problem, she said the card with the misapplied credit balance was closed due to inactivity. She said it would take 3 business days to transfer the misapplied payments to my open Costco Anywhere VISA Card by Citi account ( # XXXX ). 
3. I told her I received no notice my City Diamond Preferred Card would be closed due to inactivity. She said I was sent an email but couldn't tell me the email address, date, etc. I told her I always requested paper copies of all of my credit card statements and all notices. She said, Well, it's closed and can't be reopened without applying for a new credit card, which will adversely affect my credit rating. 

CitiCard should reopen this closed account City Diamond Preferred Card ( with no charges/penalties to me ) since they failed to notify me by mail it could be closed due to inactivity. I also feel that the government should look into CitiCards practice of retaining funds paid on closed accounts. This does not seem legal or ethical.
Consumer complaint received 2023-01-03
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. (GA)

XXXX XXXX apartments In accordance with the fair credit reporting act this account is violating my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1691 15 U.S.C 1681 SECTION 602A 15 U.S.C 1681 604 A SECTION 2 15 U.S.C 1681 C ( A ) ( 5 ) 15 U.S.C 1681 S-2 ( A ) ( 1 )
Consumer complaint received 2022-07-14
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. (NY)

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 XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX, XXXX XXXX According to FCRA Section 605B ( a XXXX 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 2022-10-24
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: EQUIFAX, INC. (FL)

As the federal government agency charged with implementing and administering the federal consumer financial laws, the CFPB is committed to ensuring that companies follow the law. For that reason, the CFPB and the Federal Trade Commission ( FTC ), which together with the CFPB helps enforce fair credit reporting laws However, the FCRA requires procedures to assure accuracy, and the fact that a CRA obtains information from another source simply does not mean that the information is free from error These CRA 's are erroneously reporting inaccurate information on my consumer file and requesting me to provide them with personal information pertaining to my person, however, are allowing 3rd party furnished to provide them with personal information to be included in my consumer report, this constitutes fraud and defamation of character. 


The FCRA regulates consumer reporting agencies ( CRAs ), which includes any entity that, in exchange for monetary fees, regularly engages ... in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties. 15 U.S.C. 1681a ( f ).

I have attached my DL for identification A credit reporting agencys reliance on a reputable furnisher may be evidence that the credit reporting agency followed reasonable procedures. However, contrary to the district courts holding, reliance on a furnisher does not categorically insulate a credit reporting agency from reasonable procedures liability under section 1681e ( b ).

If a CRA willfully fails to comply with any requirement of the FCRA, it may be held liable by a private plaintiff for actual damages of not less than {$100.00} and not more than {$1000.00} per consumer. Id. 1681n ( a ), ( 1 ) ( A ). If a CRA negligently violates a provision of the FCRA, it may be held liable for the actual damages arising from the violation. Id. 1681o
Consumer complaint received 2023-01-03
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. (FL)

There is information on my credit report that does not belong to me. The company does not follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, as required by 15U.S.C 1681e ( b ) also they are reporting collections accounts which no consumer reporting agency may make any consumer report containing any of the following items of information ; accounts placed for collection pursuant 15 U.S.C 1681c ( 4 ).
Consumer complaint received 2022-10-24
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. (WI)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other 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 XXXX XXXX. XXXX. Additionally, these misstatements are punishable as perjury under XXXX XXXX. XXXX. 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 2020-05-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A. (CA)

I opened a Citi Business Streamlined Checking account ( ending with XXXX ) at one of their branches located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX on XX/XX/XXXX since they were running a promotion that after deposit $ XXXX within 30 days and keep the fund for 60 days I should receive a bonus of {$1000.00} within 90 days. I opened the account with one of their bankers and deposited $ XXXX  on XX/XX/XXXX. I kept the $ XXXX in my account until XX/XX/XXXX ( after almost 90 days ) and called Citi to check my bonus status. I was told that they would investigate it and gave me a case # XXXX. However in the following months until today ( XX/XX/XXXX ) I still have not received the bonus. During this time I made several calls to the bank and wrote emails to the banker in the branch to check my case status. The banker was helpful by checking with the bank but all the response I got was that I've met all the requirements and should be qualified to receive the bonus and I should receive it by the end of XXXX. I then patiently waited until the end of XXXX which has been well passed 6 months and no surprises I still have not received the bonus from Citi. I'm very disappointed by Citi running fraud promotion by getting people sign up for their account then refuse to pay out the bonus as they promised. I trusted Citi by putting my hard earned money into their account but Citi does not seem to like to honor their own promise.
Consumer complaint received 2022-10-24
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. (MA)

in accordance with the Fair Credit Reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality USC 1681 XXXX XXXX XXXX  # XXXX 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 my written instructions 15 U.S.C 1618c. ( 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 XXXX 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.
Consumer complaint received 2022-10-24
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

( XXXX XXXX XXXX XXXX : # XXXX THIS ACCOUNT Late payment removal month of XX/XX/2021 ) 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 XXXXXXXX XXXX XXXX  XXXX XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 XXXX 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.
Consumer complaint received 2022-10-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (PA)

Online purchase for firewood to heat my home from a fictitious company advertising as a local company on XXXX XXXX. Seller required a {$150.00} XXXX payment for deposit fir a {$370.00} dollar order. Once payment was made they acted like they never received the money and disappeared. Contacted PNC who said they could not reverse or reimburse my payment. I advised them it was digital, how could they not contact the recipient bank and freeze the account for fraud and refund my payment. I was told, too bad so sad, you should only send money through XXXX to people you know... end of story.
Consumer complaint received 2022-10-24
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 Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

( XXXX XXXX XXXX XXXX : # XXXX THIS ACCOUNT Late payment removal month of XX/XX/2021 ) XXXXXXXX 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  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 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.
Consumer complaint received 2020-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (MA)

On XX/XX/2020 I reached out to the customer service team of Discover Financial Services through its in-app messaging function. The purpose of this communication was to consolidate my two Discover credit cards - my exact words were " Hi, I would like to combine the credit line on my two accounts, and close out the older one ''. The customer service representative who responded to my request was XXXX in XXXX XXXX XXXX. She asked to confirm the last four numbers of the account I wanted to close, which I then provided. She then closed out the account immediately without confirming details about the credit line transfer. It was only after she closed the account, and after I inquired again about credit line transfer, that she told me that she was not able to do that. She insisted that I never mentioned anything about combining credit lines, and the account was closed at my request. That was completely untrue, and I am disappointed by how incompetent and dishonest this service representative was. Not only did she lie about my initial request ( which has an electronic trail and can be easily verified in the messaging function ), she closed my account without consent which is a serious violation of my right and has irreversible impact on my credit score. Her incompetence and subsequent inability to take responsibility for her mistake is completely absurd and unacceptable. I hope Discover Financial Services will rectify this situation to reinstate my faith in using your services in the future.
Consumer complaint received 2022-10-24
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

I have a credit card from Bank of America and was offered a 0 % loan from the credit card with a 3 % fee. I took a loan from the credit card at 0 % interest and have been making minimum payments that go to  principal. 

For XXXX, XXXX, and XXXX credit card statements, I have been charged a {$1.00} fee for " minimum interest charge '' that shouldn't be there. Bank of America does not allow me to contact them about this via email or chat, only over the phone. I don't have time to take time off from a work day and sit on the phone with Bank of America for hours, which is what they are counting on by refusing to use email, chat, or secure message for communication.
Consumer complaint received 2022-06-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALCHRO INC. (FL)

First Federal Credit & Collections of XXXX, Fl ( XXXX phone ) sent me a collection letter for amounts owed to a medical provider I did not contract nor recognized. I disputed the matter in a letter on XX/XX/2022. After about 60 days I did not receive a response and learned the account had been reported to the credit bureaus without a response from First Federal. In speaking with an agent of theirs on XX/XX/XXXX he indicated mail was not being reviewed at the office and that I should go to the company 's offices in person, which I believe is not industry practice nor reasonable during a pandemic. If the company is not responding to dispute letters how is a consumer to pursue his/her rights under the consumer protection laws? Now I face having my credit history tainted by this company 's failure to follow CFPB/FCRPA rules and requirements.
Consumer complaint received 2023-01-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In the past I received services fromXXXX XXXX XXXX for karate services for my son and the membership was for 14 months of karate for XXXX. XXXX it was over we stopped going and turned out they did a recurring charge for service in XX/XX/2021. I was not aware of the charge because I did not check my statement until a few months later that I used the XXXX that I noticed the charge.In the beginning, I filed a fraud complain with the bank of america credit card about a charge of a service from XXXX  XXXX XXXX that I did not receive and the claim was denied because I made business with them in the past. I then tried filing a dispute for the same charge because I did not approve of this charge and I waited for months and the dispute was denied again. I tried resolving this issue directly with the merchant, however the phone numbers I had were not in service. I went to the business site and it was closed and I spoke to the vendors and they stated that he shut down the business suddenly and left. I waited for a response from the credit card company and they denied the claim again. I kept on researching to see if I found any new hting about the merchant and thankfully I found out through XXXX that the merchant opened a new buisiness under a new name ( XXXX  XXXX XXXX  XXXX  XXXX XXXX ) and his number is XXXX. I reached out to him and request to pay the money he owes and he stated " I don't have the money to pay you back " and I asked him what do you mean where is the money you charge the card. The merchant claims he will not pay and the credit card company XXXX Bank of america ) does not want to dispute the claim