davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

XX/XX/XXXX my wallet was stolen in the XXXX airport before heading on a vacation. I later found out someone had gone to withdraw all of the money in my checking account and also max out my credit cards. I bank with Capital One and they have done a horrible job at investigating the situation and allowing me to get my money back. They determined it was theft, but I still havent had access to my money and its been a month. I have had no access to ANY of my accounts and have had to resort to borrowing money from friends and family so that I would be able to pay rent and buy food. They finally gave me access to just one of my accounts and allowed me to transfer money to my girlfriend, but its been three weeks and she still has not received the money transfer. Capital One claims its in transit, and have given us MANY different times of arrival for the moneybut it still hasnt shown up in her account despite them having the correct bank, checking, and routing number. AT NO POINT have they allowed me to get a temporary card. To me this is unheard of, as I know many people who get temporary cards when their money is stolen. I have been working and havent even had access to any of my pay checks because they havent given me access to my accounts. I am basically about to be XXXX because I am not able to pay any of my bills and I cant survive without money for any longer. I have gotten no where by speaking to the employees or the higher ups, and at this point Im afraid my {$23000.00} dollars I have worked hard for is gone forever.
Consumer complaint received 2024-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I have been sent letters in the mail, about XXXX letters, from various credit card companies about someone trying to open up an account with them without my knowledge or consent. A few of these credit card companies include XXXX, Capitol One, XXXX. 

What do I need to do for this to stop happening?
Consumer complaint received 2022-11-19
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: Experian Information Solutions Inc. (NC)

This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 2024-10-16
Product: Credit reporting 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. (NJ)

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of XXXX XXXX data field reporting, I have the right to dispute any information on my credit report that I believe is not correct.I can not recognize or accept the allegation of delinquency without factual proof. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the XXXX XXXX reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. 
XXXX XXXX
Consumer complaint received 2021-07-03
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. (TN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-11-27
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (CA)

On XXXX XXXX, 2020 I was released from a 9 day stay, and XXXX, from the hospital. After getting home I checked my bank account online and noticed some charges that were made while I was hospitalized that I did not make. I immediately called the number on my card to report it. We cancelled my card and issued a new one and was sent papers to fill out and return. I then went to the police and filed a complaint and received a report number. XXXX XXXX Police Dept. Report # XXXX ) The police even stated to me that these charges stand out in comparing to my usual spending pattern. The unauthorized amounts ended up totaling {$690.00}. ( Charges in question are marked next to them on the files I am attaching ) All charges were made out of state and as far as I can see they were done on line. I filed out all paperwork and included the police report information and sent it back. I later called on XXXX XXXX, 2020 to check the status and was told it was still in the " Pending Dept ''. On this day I spoke with " XXXX ''. I then later received a letter stating that my account was awarded back {$440.00} while it was being investigated. My complaint amount was for {$690.00} not {$440.00}. I called to ask about the lesser amount and we fixed the error and was supposed to get the remaining money on my account the next day. I never did receive this money. Then on XXXX, 2020 my account was left at $ XXXX because they had taken the {$440.00} back out of my account with no letter to me or informing me of this happening. Then my account has a credit adjustment for {$89.00} which doesn't make any sense because my account is still $ XXXX. I did not make these claimed charges on my card and do not feel the claim was investigated at all. Why should I have to pay for charges I did not make and the person who used my card without my consent should get away with this. It's just not fair as I live on {$940.00} a month. I can't afford to pay for these charges.
Consumer complaint received 2022-02-10
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. (PA)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2021-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Experian has violated my consumer rights. They will not remove or fix a XXXX XXXX account from my consumer file that shows a wrong date of last activity. They are infringing on my consumer right to privacy, I did not give them permission to publish this on my consumer report, they do not reinvestigate my consumer report to make sure the information is correct like congress said they had to and they are being unwillful in complying.
Consumer complaint received 2021-09-10
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. (FL)

There was not sub category for this issue. This is probably in the wrong category. This complaint is against Experian. This complaint will be used as evidence against Experian in my law suit that I am initiating against them, My credit score has dropped 23 points since 3 days ago. There has been no new derogatory information reported on my credit report. All my open accounts are paid on time and in good standing. My credit usage decreased by 6 percent. My overall debt decrease by almost {$200.00} and this cause my score to drop? Not likely. Experian is retaliating against me because I filed a complaint against them with the CA Attorney Generals office. There is no way my credit score should have dropped 23 points when no new derogatory information has been added. My overall credit usage decreased and all my open accounts are paid on time and in good standing. My overall debt decreased by almost {$200.00}. I understand how credit scores work and how many things factor into a credit score. This being said. There is no logical reason that my score should have decreased. Experian deliberately dropped my credit score out of retaliation.
Consumer complaint received 2021-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Experian has violated my consumer rights. They will not remove or fix a XXXX XXXX XXXX account from my consumer file that shows a wrong date of last activity. They are infringing on my consumer right to privacy, I did not give them permission to publish this on my consumer report, they do not reinvestigate my consumer report to make sure the information is correct like congress said they had to and they are being unwillful in complying.
Consumer complaint received 2023-11-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NY)

So basically XXXX XX/XX/XXXX at around XXXX am, I attempt to withdraw XXXX dollars from cashapp at an ATM inside of a drugstore. And oddly enough the ATM says i have insufficient funds, so i try and open up cash app on my phone, but its randomly deleted. So i redownload the app and my balance is at {$00.00}, i check my transactions and it says at XXXX XXXX a payment of {$150.00} dollars was made to a account named XXXX XXXX XXXX I contacted them several times trying to resolve the issue and was told a dispute has been issued, But then was told the very next day ( today ) that this dispute has been denied. I've contacted cashapp support several times requesting an explanation but always am told I will receive an email containing documentation but never receive anything. I am pretty much being told everything at this point that doesn't reguard why my dispute has been denied. Cashapp has failed me miserably .please help
Consumer complaint received 2020-11-27
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. (LA)

On XX/XX/2020 I found an inaccurate and unknown accounts on My credit report. Its over 30 Days today But No Response. I was a victim of XXXX  Data Breach. I want to delete those accounts ASAP or I will file a litigation.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Consumer complaint received 2021-03-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NY)

I created my checking account around XX/XX/XXXX with the promotion XXXX. After waiting for several months to receive the {$400.00} bonus for opening my checking account, I received a message from customer service on XX/XX/XXXX stating that I had funded my account on XX/XX/XXXX and I maintained the balance for 60 days and qualified for the bonus. I was then told that I should receive the cash bonus on or before XX/XX/XXXX. After not receiving the cash bonus, I contacted customer service again on XX/XX/XXXX and I was told that I would be receiving the bonus on XX/XX/XXXX. After not receiving the cash bonus again, I contacted customer service on XX/XX/XXXX and an investigation was launched to determine the status of my bonus and whether or not I qualified for it. A decision was made on XX/XX/XXXX stating that I qualified for it and would receive the bonus within 30 business days. I then reached out on XX/XX/XXXX to customer service to check on the status of my bonus and I was told that case was pending for 3 more business days and that it would be resolved after that time. It was supposed to be resolved today, XX/XX/XXXX and it has not been and I have yet to receive my credit. I contacted customer service again and I was told instead that I would be credited the bonus by the end of this month. I was supposed to receive the bonus on XX/XX/XXXX and it has been over a month and a half now since I was supposed to receive it.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One closed my account. The letter I received stated the account is not consistent with their expectations for account usage and violations of the Capital One Customer agreement. I called Capital One and spoke to several managers in the fraud department. No one was able to inform of the violation. Due to the erroneous mishaps internally at Capital One my credit score has dropped significantly. The letter also stated that I will continue to receives statements until the bill is paid in full. I DO NOT OWE ANYTHING I then proceed to XXXX the terms and conditions while on the phone with the XXXX ( XXXX  Manager ). I read the terms and conditions and couldn't find XXXX violation. She proceeds to tell me it could XXXX or many things, but could not inform of what the issue is. This is XXXX.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2021-10-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE (TX)

I have been using western union for over 20 years western union block my account for no reason and requested that i appeal or write to them upon doing that they apologized after 45 days and alledged that my account have no problem that it has been all cleared i attempted to use it again i was block for nor reason hence the complaint because this a gross violation of my right as a consumer.
Consumer complaint received 2021-10-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Transunion continues reported open with closed account and balance with XXXX XXXX that been closed not listing dispute or verifying account they continue to report a balance on closed account They failed to provide verification of accounts which could not be verified reopened and account status that was once reported closed, they continue to do so and reset the statue of limitation which is against the law. They continue to report account verified that could not be verified by the reporting company XXXX XXXX.
Consumer complaint received 2019-03-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Halsted Financial Services, LLC. (IL)

Halsted Financial Services is a spam. They told me they were sent by value city to collect on their behalf. However ; they wasnt, they couldnt provide me with my original contract. Before paying the debt, they harassed me with phone calls and claiming they would repeat this to my credit bureau within 30 days. I finally paid the {$1500.00} on XX/XX/XXXX. They took {$1500.00} from me. XX/XX/XXXX, I called asking them why is it showing up on my credit report and they lied saying that they can not report that I paid this balance. This is was not told to me when I paid the money. I am really upset with this company. This company needs to be dealt with and I need my money back.
Consumer complaint received 2020-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (WA)

XXXX  will not let me get into my credit report online. It does not matter what I do, they know it's me and they will not let me into it. I have looked up online other reviewers that are having the same problem with all of the companies like Experian and XXXX. They also are keeping scores down when the person is doing everything right. People online that are having the same thing happening to them are feeling they are being targeted because of their political party. 
Experian has been lowering my FICO score by 50 points and fluctuating it up and down when I have done nothing. I am well under 30 % and I pay off my credit cards each month. I have good credit and my other FICO scores are at XXXX  or well over. For some reason, Experian continually tries to lower our scores. I have been told it is because of my political party. I just watched my FICO drop XXXX points down for XXXX reason and I am under 30 % debt to income. Are these people intentionally trying to ruin peoples credit so we can not rent or buy a mortgage or anything else? It sure seems like it.
Consumer complaint received 2022-02-10
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)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2022-04-27
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)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

I noticed this problem on 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