davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-16
Product: Credit card — 
Issue: Balance transfer — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have a Capital One Credit Card, a Personal and a Business Card ( which is now XXXX13 month since I got them ). 
For this complaint I would like to explain the aggravations and how Capital One Defrauded me and the huge damages that I 'm suffering about. Let me start with the Business Card. 
To better understand Capital One has a feature which they mail out a check to your address and it 's payable to your name, and then you can deposit it to your account and then do with it whatever you want. 

Here is the Story, I requested XXXX checks to be mailed out to me on XXXX/XXXX/16 and XXXX/XXXX/16, the total of al XXXX checks is {$15000.00}, long story short, I NEVER RECEIVED THE CHECKS!! I called Capital One and was transferred to the Fraud Department, and they told me they will close my account due to fraud and mail me out a new card, and they assured me that I will not be Liable to the Fraudulent Transactions. 
So that 's what they did, and I received a new card, but Capital One did not keep there promise of not holding me liable to checks which I DID NOT RECEIVE. 
I called again the Fraud Department, and they were giving me such aggravations that I had no doubt I will end up in the hospital. 
And this is what they told me after being on the phone for 3 hours for ten days. 
" WE INVESTIGATED THE XXXX CHECKS AND WE REALIZED THAT THESE CHECKS WERE DEPOSITED AND THEREFORE THERE 'S ABSOLUTELY NOTHING IN THE WORLD WE CAN DO TO HELP YOU '' after many hours of crying on the HUGE loss I had, I called capital one and told them to please prove to me that I received the checks and that I cashed them. Because I know 100 % I DID NOT RECEIVE IT AND DID NOT CASH IT, AND I OFFERED THEM ANYTHING THEY WANT TO PROVE IT. 
So I was told by a representative that they are not able to mail me out the checks. 
So I called again, and was transferred to XXXX departments until I was finally told that they will mail me the checks and I will have it in 7 days. 
after 14 days I did not receive it, I called again and they told me " SORRY WE CAN NOT HELP YOU ''. 

I 'm here begging the Consumer Financial Protection Bureau to please help me not to be a victim of the FRAUD and UNETHICAL behavior Capital One did to me, and help me I should not loose my money, and help me with money so I can go to a therapist so I can get my mind together. 

PLEASE AGAIN I AM BEGGING FOR HELP!!
Consumer complaint received 2024-10-27
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. (GA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2016-08-18
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE (NC)

XXXX reversed a ligitimate payment on my Barclays credit card on XXXX/XXXX/XXXX totaling {$2100.00}. This payment was authorized by my husband XXXX XXXX on XXXX/XXXX/XXXX after receiving an insurance settlement. We were married and living in the same household on XXXX. XXXX committed adultry and abandoned me financially and i filed for legal separation on XXXX/XXXX/XXXX. My atty. advised me to change my locks, garage doors and security system codes due to I owned the home. I have contacted Barclays on three occassions- customer service, fraud department and customer relations and nothing has been done to help me in this situation. 

I am wanting Barclays to take this reversal off my account and absorbed by their bad debt reserve or take action against XXXX and bring my balance back under my credit limit. I can not afford to pay this or affect my credit score negatively. I have a text message from XXXX XXXX stating that he was well aware of the payment made to this card.
Consumer complaint received 2024-10-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I filed a complaint with the CFPB on XX/XX/2024 as well as several FTC reports with the Federal Trade Commission which included several fraudulent accounts that were removed from my XXXX and TransUnion reports but four fraudulent accounts returned to my XXXX report and three fraudulent reports returned to my TransUnion report. None of the fraudulent items I requested were removed from my XXXX report despite the fact I sent FTC reports along with a signed affidavit to all three credit bureaus. Lastly on XX/XX/XXXX, I sent a litigation letter to XXXX in a last attempt to resolve this matter and they only removed one of the four fraudulent accounts they had relisted a month prior. I ask you respectfully to resolve this matter because the bureaus are not willing to remove these items and have not delivered the original contracts and signatures of these fraudulent accounts to me as documented proof. Please take time to remove these accounts. I have listed them below. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX  - XX/XX/year> XXXX XXXX XXXX  - XX/XX/year> Basis for Dispute : Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request : I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Consumer complaint received 2016-08-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Transunuon did not do their job properly. When they investigated XXXX and nothing changes I asked them for the numbers addresses and names they spoke to. And by law they are suppose to give that to me and they did n't. I explain to this company the situation of what happened and also sent a copy of lease and docs to prove my case but they still disregard it plus the reps were very disrespectful and barely helped. Along side the company moved the dates on when it was reported and that 's illegal. Transunuon needs to stop scaming through and do something about it.
Consumer complaint received 2024-08-28
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)

After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquires on my credit report.Please dispute and remove listed fraudulent inquiries from my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-30
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. (CO)

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 XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX  Account Name 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 2022-05-19
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. (FL)

In accordance with the Fair Credit Reporting Act the accounts listed below have 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 an account without my written instructions. I would like the following accounts removed from my credit report for violating my rights : XXXX of XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXXXXXX ACCT # XXXX XXXX  XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX  XXXX ACCT XXXX XXXX Thank you for your help in this matter.
Consumer complaint received 2016-08-18
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Weltman, Weinberg & Reis Co., L.P.A. (IL)

The private student loan debt they are trying to collect on is under XXXX XXXX XXXX but then the law firm of firm Weltman, Weinberg, and Reis has the owner name of XXXX XXXX XXXX. They did not send any actual paperwork that actually proves that XXXX XXXX XXXX actually owns the debt, the sent paperwork that also had XXXX XXXX XXXX and XXXX XXXX XXXX. The paperwork is very confusing because it does not show the process of how XXXX XXXX XXXX purchased and when the account first went into delinquency status which I asked for. I asked for proof of the statute of limitations of this. XXXX XXXX XXXX has gotten into trouble for this before because I asked XXXX back on XXXX and XXXX of this year to send the validation of debt but instead on XXXX/XXXX/16, the matter was sent over to a collection law firm. XXXX XXXX XXXX does not have the right to collect on the debt based on the proof that I have.
Consumer complaint received 2021-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (PA)

A refund for the amount of {$800.00} was processed to my Apple Card, administered by Goldman Sachs. This refund was declined because it was considered suspicious activity, even though a charge was already on the account for the exact charge- because obviously it was a refund. The representative I spoke to requested I contact the company to reprocess the refund. This is the third time a charge has been declined from this company, and I am baffled as to why a REFUND gets marked as suspicious activity on my card. The company is unable to reprocess the refund and now the representative with Apple Card has instructed me I need to request a dispute on the refund charge. This is outright ridiculous- were talking about a credit to my account! A refund! Per the Customer Agreement I signed, it clearly says refunds will be processed as a credit and it no where says anything about the possibility that a refund can be declined. I never agreed to an institution being able to deny a refund Im justified to getting credited to my card.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 2022-12-29
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: CITIBANK, N.A. (PA)

When I initially filed the disputes ( both for XXXX  ), I received XXXX emails from Citi saying that they had received my disputes, and both emails had separate case numbers. XXXX was XXXX for {$2000.00} ; however, the other case ID was XXXX for {$2500.00}. 

The merchant responded to the dispute, stating that I had bought XXXXXXXX XXXX XXXX. This is false. I purchased XXXX XXXX XXXX XXXX XXXX They also included an edited video that stated that I was satisfied with my orders. However, the merchant forced me to say that before receiving the items, and also edited the video- this is because in the full video, I say that I have not received my items yet. 

When the merchant responded to the dispute, I received XXXX letters from Citi that both referenced XXXX, when only XXXX letter should have referenced XXXX while the other should have referenced XXXX. Because of this error from Citi, I was only able to respond to XXXX case instead of both, as is my right. It also looks to me like the merchant only responded to XXXX and not both XXXX IDs. So Citi 's reversal of the temporary credit for {$2500.00} was not warranted, as the merchant only responded to XXXX. I would even go so far as to say that because the merchant failed to reply to XXXX, I should be granted a permanent credit for that charge. 

To summarize, I was only given the opportunity to respond to XXXX of my XXXX disputes with XXXX, because Dispute ID XXXX was never mentioned after the initial emails I received that clearly distinguished the XXXX disputes with XXXX different dispute IDs. Instead, I was expected to respond to the same Dispute ID twice. Additionally, the merchant only responded to Dispute ID XXXX and not XXXX. 

I was also asked to provide a credit slip by Citi- I don't have a credit slip because, again, I never received the items. 

Because of how this has been handled thus far, I have no choice but to file my complaint with the CFPB. 

I am attaching the FULL video below where I was coerced to say that I was satisfied with my order, but say that I have not received the orders.
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 1. XXXX XX/XX/year> XXXX. XXXX  XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. 
This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 30 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.
Consumer complaint received 2022-05-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

On XX/XX/22 I received a call from a number impersonating citi bank fraud department about some transaction I did not request. From there, they walked me through steps to mull the transaction and reset my bank username and login as they described the scammers had access. By the time I realized what was happening, they were able to login and wire transfer themselves over XXXX from my saving. I had to reset my user abs password and call my bank to try to stop the transfer, one of which had already gone through
Consumer complaint received 2022-05-18
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: CRESCO CAPITAL INC. (FL)

CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2016-08-17
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Principal Group, LLC (LA)

My husband received a call from XXXX. I then called the number myself and spoke with someone named XXXX from XXXX XXXX XXXX. He said he was attempting to collect a debt for a pay day loan that was given to me on XXXX XXXX, XXXX by XXXX. I told him that I never did that and he then read off my SSN and an old address I had not lived at since XXXX. I asked him to show me verification that I owed this money and he said that mailing me something would n't make a difference. I told him that I did not owe any money and he said over & over again that it did n't matter what I thought, I was legally liable for {$620.00} whether I thought I owed it or not and the only way I was not legally liable for it would be if I could show proof that my identity was stolen and to give them the name of the person who stole my identity. He asked if I planned on resolving the claim and I told him that without him showing me any documentation that I believed this was a scam & then hung up. 

I checked all three credit reports and neither the loan or debt collection is on my report. I filed an identity theft complaint with the FTC and I was also encourage by my lawyer to file a complaint here.