davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I have had my secured credit card with capital one for XXXX XXXX XXXX XXXX XXXX XXXX  ). I made a {$200.00} deposit when opening this account which determined that the credit limit would be {$200.00} ( years later I deposited another {$100.00} making the credit limit {$300.00} ). When I started this account, I was under the impression that I was paying {$200.00} upfront and XXXX XXXX  in exchange for this card eventually being changed to an unsecured card and that I would receive my deposit ( s ) back. According to capital one faq : " Capital One refunds security deposits in two ways : You can earn back your deposit as a statement credit by using your card responsibly. Or it will be refunded when you close your account and pay your balance in full. '' I have never missed a payment. After 12 years, I'd assume that means I have been using my account responsibly. This card should have been made unsecured and I should've received the {$300.00} back by now
Consumer complaint received 2022-06-03
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: Experian Information Solutions Inc. (GA)

In my complaint ID # XXXX for Experian on XX/XX/2022 I received my dispute results via email from this company. One in particular account for XXXX XXXX I disputed the Information they were reporting is incorrect. Experian sent me a email showing their Information was validated and in fact correct.This is just one account of MANY MORE their NOT verifiying. Experian is not in compliance with the CFPB ands CLEARLY HAS VIOLATED MY RIGHTS. This has caused me a financial burden, denial of credit and mental stress. In accordance with the Fair Credit Reporting Act XXXX account # XXXXand others mentioned compliant ID 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 account without any written instructions
Consumer complaint received 2021-10-15
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. (TN)

Account Name : XXXX Account Number : XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$2400.00} Account Name : XXXXXXXX XXXX Account Number : XXXX Balance : {$730.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$450.00} Account Name : XXXX XXXX  XXXX Account Number : XXXX Balance : {$350.00} This is a formal complaint against all three credit bureaus, ( XXXX, XXXX, and TransUnion ) located in XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ), XXXX XXXX XXXX XXXXXXXX, PA XXXX - XXXX ( TransUnion ), XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX, XXXX, and TransUnion have completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
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. (CA)

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. 

Account name : XXXX XXXXXXXX, Account # XXXX. Account name : XXXX XXXX # XXXX. Account name : XXXX, Account # XXXX, Account name : XXXX # XXXX, Account name : XXXX, Account # XXXX. Account name : XXXX, Account # XXXX. Account name : DEPTEDXXXX Account # XXXX. Account name : XXXX, Account # XXXX. Account name : XXXX, Account # XXXX. Account name : DEPTEDXXXX # XXXX. Account name : XXXX, Account # XXXX. Account name : XXXX, Account # XXXX. Account name : XXXX, Account # XXXX. Account name : XXXX. Account # XXXX. Account Name : XXXX XXXX, Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX. Account XXXX : XXXX XXXX XXXX, Account Number : XXXX. Account name : XXXX, 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 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 2020-05-31
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (CA)

This message is for XXXX XXXX, I did receive your response on XX/XX/2020. And this is not about the previous complain filed but this is a new fresh complaint and this is regarding the bed, the previous one was for the recliner and the sofa. 

And this claim is {$1000.00}. I opened this claim on XX/XX/2020 and by now this should have been resolved. Please resolve it, otherwise I will have to go to the court regarding this and I am serious about it.
Consumer complaint received 2020-05-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diverse Funding Associates LLC (NY)

As of XX/XX/XXXX, this debt was paid directly with the original creditor. I have reached out to the organization requesting assistance. I was told they could not assist me because I was not paying them directly. In fact according to the amount the company representative indicated I owe shows I have made overpayment and am due a refund. They show no payments since XXXX and were unwilling to follow up stating the company takes 120 days to report a payment, at this rate it would be years before this debt would show paid in full. 
If I am paying, why won't anyone help to satisfy what is owed, is it because DNF is not receiving any money for receiving payments from me. This is inappropriate business practices.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX Bankruptcy Reference # : XXXX XXXX  XXXX Bankruptcy Reference # : XXXX XXXX XXXX XXXX Balance Owed : {$740.00} XXXX/XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX  XXXX Balance Owed : {$670.00} XXXX XXXX  XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NJ)

According to the fair credit reporting act FAIR COLLECTIONS & OUT XXXX 15 U.S.C. 1681Section 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 2020-05-31
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. (NV)

I received my credit report in XX/XX/XXXX and submitted disputes to correct my personal information to all three credit bureaus. Experian and XXXX  updated my personal information based on the proof I sent. However, XXXX  didn't update the information at all in XX/XX/XXXX, and again in XX/XX/XXXX. I sent separate dispute letters to each credit bureau in XX/XX/XXXX. They all responded back to me however it was in XXXX XXXX that I got the findings of their investigation. Later in XXXX after reaching out to the creditor XXXX XXXX for violation of Nevada state law with notices they were supposed to provide for what they were supposed to provide me for a repossession reported to the credit bureaus, they didn't respond. I then sent notarized letters to all three credit bureaus on XX/XX/XXXX asking them to provide proof of who they spoke to with the items I disputed and how they were able to verify the accounts they say were 'verified ' and I have not received a response from any of the credit bureaus as of XX/XX/XXXX on the method of verification since I was not able to recieve anything from the creditors directly. I've attached all of the letters I sent that are dated accordingly and also the proof of items I was disputing.
Consumer complaint received 2022-07-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2022, a scammer impersonating XXXX using the email address : XXXX convinced me to send three separate transactions totaling {$1000.00} through the XXXX service used by Bank of America. 

I was selling a coffee table on XXXXXXXX XXXX XXXX. I was sent a message from a person going by XXXX XXXX who wanted the table via XXXX XXXX. The individual said they had a XXXX business account ; he said he attempted to XXXX me {$500.00} after I sent him my XXXX username ; however I got an email from " XXXX '' saying that his account was suspended due to him sending me too much money and I would have to XXXX  him a certain amount in order for his account to be reactivated and then I would receive my money ; this happened three times with three separate emails ; {$200.00}, {$300.00}, {$500.00} requests. I was also speaking with this individual on XXXX XXXX  during this whole process. I was sent multiple emails from the fraudulent " XXXX '' account and thought it was actually XXXX ; however after reaching out to XXXX and XXXX the email address I realized it was FRAUD and I never received my money ; I sent many messages to this individual ; who continued to ignore my messages. I immediately called my bank about this issue to open a claim and also reported this person to XXXX. Bank of America did nothing to stop or reverse the transactions. 

Bank of America has now refused to process our claim and will not provide fraud protection over the {$1000.00} that was scammed from the checking account.
Consumer complaint received 2022-07-20
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. (IL)

In accordance with the Fair Credit Reporting Act XXXX  accounts has violated my rights. 

Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX/ XXXX  Account # XXXX XXXX XXXX Account # XXXX Macys XXXX Account # XXXX XXXX XXXX  XXXX Account # XXXX XXXX  XXXX XXXX  Account # XXXX XXXX  15 U.S.C 1681 Section 602A 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 account without my written instructions.
Consumer complaint received 2020-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

Ive disputed this on multiple occasions, now Im being told Im unable to dispute it. The account of XXXX XXXX is not coming off of my Experian dispute report. Ive tried on many times. Ive taken this off of my XXXX and XXXX reports but still nothing for Experian.At this point Experian themselves does not want to assist me l. I called on XX/XX/2022 and spoke with XXXX who let me know that I can not dispute this item anymore since Ive already tried to dispute it. I provided an FTC report for them to take it off yet they are reluctant to assist me. Theyve gotten to the point where they do not even want to let me dispute it. They do not have my correct information and Im not being told what is Experians process of verification but they wont even disclose. I want this taken off immediately.
Consumer complaint received 2022-07-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (VA)

During XX/XX/2022, I was approved for purchase loan for {$360.00}. I called The XXXX XXXX about a XXXX case they are selling on their website for XXXX XXXX. I asked if this item will fit without any inserts, I was told this was a perfect fit. After receiving the Case, I noticed it was very big and heavy and did not fit my XXXX XXXX. On XX/XX/2022, I asked for a return label, they refused stating this was a Clearance item, which I am not aware of. Since this case did not fit my controller, on XX/XX/2022. I paid {$56.00} at XXXX XXXX and sent the case back. I was notified by XXXX, they received the return case. During this time I called the finance company, Affirm.com to report I return this case to The XXXX Hook Up. Several times Affirm tried to collect the payment after I advised them the item was return. On XX/XX/2022, Affirm stated they have close my dispute file and I will have to pay for a return item, otherwise Affirm will put the balance owed on my credit report. I am asking your help to resolve this matter before they put this return purchase on my credit report. Attached return label uploaded.
Consumer complaint received 2022-11-04
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: PENTAGON FEDERAL CREDIT UNION (NC)

I, XXXX XXXX XXXX, have been a victim of fraud relating to Penfed credit union. They allowed money to be stolen from me and then did nothing except back up the perpetrators. 
They lied to you, a federal agency created by the powers of Congress, yet they do not honor or recognize their disdain for integrity in replying to my complaints. Stop their harm and knowing lies and deceit here. 
I told them of the fraud, i told them to get rid of these lies and i do not own that asset. I do not insure it and it is not mine.
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MS)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-20
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 disputing account XXXX due to the following : 1. The same account is currently being also reported by the alleged original creditor- XXXX XXXX and XXXX XXXX XXXX. According to FCRA, it is illegal to report the same account twice 2. The attached statement provided by XXXX XXXX XXXX show an incorrect address : my correct XXXX XXXX showing on my current credit report is XXXX and the statement shows an incorrect XXXX XXXX which doesnt below to me. This is an obvious and serious inaccuracy- please investigate and delete this disputed account.
Consumer complaint received 2022-07-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

TO WHOM IT XXXX CONCERN : 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 Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-07-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Finance of America Holdings LLC (CA)

Finance of America Mortgage emptied our Escrow account ( ~ {$1200.00} ) but did not use the money for property taxes. Although they admit the removal of the funds was their own mistake, they refuse to return the money. Have spent more than 10 hours on the phone trying to resolve this for 4 months
Consumer complaint received 2022-07-21
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. (TX)

In accordance with the Fair Credit Reporting act, XXXX  Accounts # XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX, account # XXXXXXXX XXXX  XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX, and account # XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States i have the rights 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 USC 1692 b. Acquisition of location. Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer- ( 2 ) not state that such consumer owes any debt ; 15 USC 1692 d - Harassment or abuse ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. ( The nonstop calls and letters threating litigation and incarceration, has caused me mental anguish, stress and XXXX  in which i now take XXXX  for. )
Consumer complaint received 2022-11-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (NJ)

I have placed an online order on XX/XX/2022, Order # XXXX, the order amount was for {$580.00}, I have returned all items on that order, however, only received a refund for {$440.00}, I did not receive a refund for {$130.00}, I have called customer service 4 times and was always told that they apologize and it will be refunded to me within few days, it has been XXXX weeks now with no success. I was even told that it was refunded to me, although my current credit card balance reflects that this amount has not been refunded to me.