davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-28
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was charged about XXXX from an eyewear store. This was not me. I was not present. I was also charged a large charge on XXXX rental car ( about XXXX ). Again this was not me. 

The credit card company isnt resolving the charges. Instead they have told me I must investigate this myself. 

I am not a detective. I was literally not present at these locations. I have had this card for years with no issues. 

For them to refuse to resolve these charges ( approx {$7000.00} ) and demand that I investigate on my own is not proper for a credit card company that I trust to do the bare minimum in protecting me from obvious fraud. 

I reported fraud last month, canceled the card and was issued a new one and they still accepted fraudulent charges only a few weeks later. 

I can not be expected to go investigate this myself. They say the credit card was present at these transactions. Well maybe someone stole the card from my mailbox? I have no idea - but a huge credit card company ( Capital One ) should not be telling me to do my own investigating. They should refund me and then go about retrieving the funds themselves. They are a XXXX dollar organization. I have work and responsibilities to attend to. They need to give me my money back. 

In the meantime, to add insult to injury theyre charging me interest etc.
Consumer complaint received 2023-09-29
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated (SC)

Today on XXXX, I activated my new card. I am trying to reach a live representative from Way2Go card program to speak with about my balance. The only customer service number this company provides does not give an option to speak with live representative. The options that are listed when you call the customer service number do not apply to me. It does not offer any way to speak with live representative. I need to speak with one of their live representatives in order to figure out the issues with my account.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (GA)

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Collection {$320.00} XXXXXXXX XXXX XXXX Collection {$0.00} XXXX XXXX Collection {$3600.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Collection {$3600.00} XXXX XXXX XXXX Charge-off {$11000.00} XXXX  XXXX Charge-off {$5500.00} Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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  REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX and XXXX XXXX. XXXX. Please delete these accounts ASAP.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

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 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 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 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX and XXXX  XXXX. Please delete these accounts ASAP.
Consumer complaint received 2023-09-28
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: BlueChip Financial (TX)

I took out a loan with Spotloan a few months back and I have paid nearly all of what I took out yet due to interest I owe more. However due to harrassment issues and poor service I was offered a settlement which has several small payments set up unfortunately yesterday I simply called to make sure the right bank account was as being used for payment and the agent I spoke with was acting like I didnt have a settlement or any payments set up and suggested I talk to a third party and or power of attorney which is for someone who died! I sent a complaint via email and havent been responded to or contacted by phone due to this matter
Consumer complaint received 2023-09-29
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: Experian Information Solutions Inc. (FL)

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 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 2023-09-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (NV)

I have {$4900.00} in a personal venmo account. The company has prevented me from accessing my funds. I received an email from them on XX/XX/XXXX informing me that my account has been frozen. I then proceeded to provide the information from them ( copy of my driver 's license ) to validate my identity. I have been unable to reach a live person who can tell me why my account was frozen, what it will take to unfreeze and by when. I need access to my money. It is very frustrating that this company does not even have the courtesy to respond to any of my attempts to contact them. This is theft!!! They have no right to hold on to my funds without providing me with a valid reason for doing so and a course of action to obtain my funds. This is MY money.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In according with the fair Credit Reporting Act XXXX Account # XXXX ( XXXX ), has violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furbish an account without my written instructions.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

This is my several 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 XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$830.00} XXXX XXXX Balance : {$1200.00} ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$670.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

This is my several 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 XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$830.00} XXXX XXXX Balance : {$1200.00} ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$670.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

According to 15 USC 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by SECTION 1637 ( B ) OF THIS TITLE is mailed or delivered to the consumer not later than 21 days before the payment due date. 
( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 
The account XXXXXXXX XXXX XXXXXXXX has been closed so how is late payments still being reported? That is a violation of my consumer rights. Also if any late payment has been reported the company mustve sent out a letter 21 days before the payment due date, if the company has did that Im requesting them to provide proof of delivered letter 21 days before payment date or the account to be removed from my credit report for violating 15 USC 1666b & 15 U.S.C. 1681 ( A ).
Consumer complaint received 2023-09-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (NH)

On XX/XX/2023 I submitted COMPLAINT ID XXXX wherein I demanded " Access to my account. Every and all bank statements mailed to my address. ". 

On XX/XX/2023 Ally Bank responded me to refer to their policy on XXXX accounts which states in section XXXX. on page XXXX and XXXX : " As the XXXX, you agree that once we have reason to believe that the minor on the account has reached the termination age under applicable law, we may, but arent obligated to, take any or all of the following actions with respect to the XXXX or XXXX account without further consent or direction from you : Limit access to the account Restrict any deposits into the account Restrict any debits, withdrawals, or transfers from the account Communicate with the former minor regarding the account, including by providing them with account and tax statements Accept instructions from the former minor regarding the account ; and Pay account funds to the former minor '' On XX/XX/2023 I called Ally Bank and provided instructions to provide me full and exclusive access and administrative control of my XXXX account. Ally Bank refused to do this, violating their own policy. I requested to speak to their Legal Team and I was told I can only do this in a court room.
Consumer complaint received 2023-09-28
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: BARCLAYS BANK DELAWARE (OR)

I was contacted by XXXX XXXX text message XX/XX/XXXX ) saying there was suspicious activity on my account, and they had put a hold/nonpayment on that purchase. I was asked to call. I did. After much discussion the customer service rep found the charge they felt was suspicious plus several others. Same companies, same date, different amounts each charge. Barclays closed the account and sent me a new card/account number. Those charges were removed from the account within a day or two after they were investigated. A day or two later I saw that XXXX transactions had been missed in that fraud claim. ( the rep originally told me that may happen because there were several charges made by the same company/companies ' same date XX/XX/XXXX and to call back and add them to the claim if that happened. ) XXXX XXXX XXXX charged on XX/XX/XXXX and XXXX XXXX XXXX charged XX/XX/XXXX were the XXXX charges missed. I called the XXXX department ( approx. XX/XX/XXXX ) and was told by the representative that those charges would be added to the original fraud charges and removed from my account AND my account would not have to be closed or changed again. However, they were not removed from my account by the time this months statement came out. I have called the company XXXX more times since then. They do not seem to be investigating, removing these fraudulent charges nor responding. I have also hit the " dispute charge " button onthe statement page with no response.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Improper use of my report. 
Date of incident : XX/XX/2022 ( Amount Credit limit {$750.00} ) Company : XXXX XXXXXXXX Under 15 U.S.C. 1681 section 602 states, I have the right to privacy.

Under 15 U.S.C. 1681, section 604 A section 2, A consumer reporting agency can not furnish an account without my written instructions.

Under 15 U.S.C. 1666B, A creditor may not treat a payment on a credit card account under an open-end consumer credit card as late for any purpose.
Consumer complaint received 2023-09-28
Product: Credit reporting 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)

Improper use of my report. 
Date of incident XXXX XXXX XXXX ( Amount Credit limit {$750.00} ) Company : XXXX XXXX  Under 15 U.S.C. 1681 section 602 states, I have the right to privacy.

Under 15 U.S.C. 1681, section 604 A section 2, A consumer reporting agency can not furnish an account without my written instructions.

Under 15 U.S.C. 1666B, A creditor may not treat a payment on a credit card account under an open-end consumer credit card as late for any purpose.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

I have filed several previous complaints against Experian regarding untrue negative information. Finally Experian deleted this negative info. However recently Experian lowered my XXXX score from XXXX, excellent, to XXXX poor. The reason for this appears to be that Experian claims that I have no avaialble credit. They now refuse to acknowledge my credit card with XXXX XXXX XXXX that I have had for over 30 years. I spoke to my credit card company and they are not the problem. I have over {$40000.00} in available credit on this account. I currently have NO XXXX score due to Experian 's error. It need to be corrected immediately.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am writing to lodge a complaint against my student loan servicer, XXXX, as well as the three major credit bureaus : XXXX, XXXX, and Equifax. In XX/XX/2023, my credit report reflected a 90-day late payment on my student loan account. However, I certify this reporting to be in error, as I should have been in federal deferment under the provisions of the CARES Act. I seek your assistance in rectifying this issue and ensuring that such discrepancies are addressed promptly to protect consumers like myself. 

Sincerely,
Consumer complaint received 2023-09-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (IL)

On XX/XX/2023 I walked into my local CITIBANK branch located on XXXX s. XXXX with a cashier check in the amount of {$15000.00}. XXXX XXXX was the banker who assisted me in opening my new account. I told XXXX XXXX about the issue Ive been having with another bank that why the money was issued to me in a cashiers check. I had recently closed an account with XXXX BANK and wanted to start an account with CITIBANK. XXXX XXXX assured me that he was going to take care of me and everything was going to go smoothly. I gave XXXX XXXX my information plus my check he came back with a receipt and told me my card was coming in the mail by XXXX  the next day and o would be able to come into the bank the following day which was XX/XX/2023. The next day I came back to the same branch to try to retrieve funds from my account and the bank teller says that there was an hold on my account and the check I received from XXXX XXXX wasnt real. I immediately became suspicious and upset. The XXXX at that branch was very rude and disrespectful. As I was trying to contact XXXX bank on my cell phone to assure the XXXX at Citibank that the cashier check was legitimate he pursues to call the police on me and told the police officers to remove me from the premises and I was no longer able to return. As I was still on the phone with XXXX they told me just come to their branch the next day and they would cancel the cashier check and issue me another one. Today XX/XX/2023 I went to the XXXX XXXX  on XXXX XXXX XXXX who initially gave me the cashier check and they informed me that CITIBANK had cashed my cashier check and that they had my money. I proceeded to call CITIBANK while still in XXXX the customer service agent told me I had to go back to the branch where I started my account with. So I proceeded to the CITIBANK branch on XXXX XXXX and as soon as I walked in th XXXX proceeded to call the police on me. Now CITIBANK say they put a hold on my check.
Consumer complaint received 2023-09-29
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. (NC)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.