davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (OH)

When I checked my credit report and discovered late payments on the following dates, I was astounded. I know that I have the right to know where this negative items a re coming from and delete them immediately since it was a clear violation of 15 USC 1681 section 602 A which states I have the right to privacy.
Consumer complaint received 2023-06-27
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. (CA)

On XX/XX/2023, I booked and purchased XXXX round trip tickets from XXXX to XXXX via XXXX XXXX. Upon completing the transaction, I immediately realized that I'd made an error and laptop had auto filled my first name incorrectly. I immediately contacted XXXX XXXX to make a correction ( their website states that corrections are allowed ). The representative informed that she could not correct the simple error and informed that she'd cancelled the tickets and that I'd receive a refund within 10-15 days due to me contacting within 24 hours. I asked for a credit, another solution but rep cancelled everything. I then went to my Citibank app and disputed the charges equally {$4800.00}. 

I followed up within days to explain the situation to Citibank and they informed that I'd need to break down each individual charge and they credited the charges and assured me that they'd begin the investigation. Numerous times I contacted and submitted information that I was asked for, however, Citibank continued to take XXXX 's side and expect documentation from XXXX via me informing that they'd promised me a refund, however, I'd explain again and again that XXXX refused to put anything in writing and I could only send snapshots of the conversations via XXXX XXXX and submit the information that name changes were allowed via their website. 

After approximately, a month or so, Citibank informed that they had completed their investigation, sided with XXXX and reversed the charges. I've filed complaints, spoken with XXXX from their executive complaint department and continue to get the run around. 

Now XXXX has sent me a letter alleging ( as they have numerous times ) that Citibank was given the refund thus a credit and that I need to contact them. Furthermore, XXXX also sent me a notification that they will give me a refund or credit if Citibank gives me a written statement that the dispute is finished, that I've been charged, and am paying the amount. I once again forwarded this to Citibank, spoke to XXXX in the executive office who informed that she'd assist and send me a statement and yet again, I've received nothing. 

In speaking to others, they've shared in these instances that their money has been refunded or credited to them by the credit card until the dispute has been " thoroughly '' investigated. I feel that this was not done and the blame was put on me. There was never an explanation as to why my disputed charges were allowed to be paid to XXXX. Why after being a customer for over twenty years, has Citibank not absorbed some of the funds and demanded that XXXX credit me?
Consumer complaint received 2023-06-25
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: P&B Capital Group, LLC (FL)

I am not liable for this debt with XXXX XXXX. I do not have a contract with P & B Capital Group LLC. They did not provide me with the original contract as requested. I submitted a dispute of this information on my credit report.
Consumer complaint received 2023-06-27
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
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 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-06-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (NY)

Today, XX/XX/2023, I received a debit XXXX in the mail from Chime. It was not an account that I opened. I have contacted Chime twice over the last year when this has happened. This is the third account opened over the last year. I've reported this to Chime each time. This continues to happen. I have blocks set up with the FTC and all major credit bureaus.
Consumer complaint received 2023-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (SC)

I am a victim of identity left for the past 1 year and a half, There have been numerous fraud charges and credit card accounts opened under my name without my permission. To make matters worse I have lost my wallet at a local gas station around XXXX of this year and everything in my wallet were gone. All of my IDs and my credit cards have been compromised, including my phone. Recently I have noticed there are numerous charges under many credit cards that I own and I've reported to my credit card companies promptly. Most have already issued a refund or provisional credit but the credit card company I'm having an issue with is XXXX. They have declined my request to pursue refunds against a company that I have not done business with. There is an on-going identify theft alert in my name with FTC. Ive also put a year fraud alert with credit companies for this entire year. Please re-open an investigation for this fraud case on my behalf. Furthermore, I have also enclosed a police report for the illegitimate charges as well circumstances that have caused the identify theft in the first place. I contacted the merchant directly and they have informed me some details. - IP address they have provided does not match my actual location or my IP address. - My legal/real name is XXXX XXXX XXXX NOT XXXX XXXX or any other names they have claimed the card was used under. - The email address those purchases were made under were not under XXXX and thus I have no access to them or know anything about them. - The pattern of those charges were inconsistent comparing to my purchase history with XXXX, I would and never have purchases anything in this amount within a short period of time. - Lastly, according to the merchant rules and guidelines competitors are NOT able to vote for themselves, so those charge can not have been under my account anyway and advise me to contact my bank to dispute it as fraud. - I have moved away from XXXX, WV XXXX since XX/XX/2023. I have returned to visit friends and family in XXXX but currently I reside in SC. I have not had the chance to update my mailing address because I've been dealing with all the fraud charges that occurred on all of my credit cards.
Consumer complaint received 2023-06-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

We are a small and legit XXXX XXXX that is operating for XXXX years now. We have been notified via letter today that our business account with BOA is going to be closed today. The decision was made earlier in the month and we were not provided any further explanation as to what caused the closure of the account. 
It will affect our agency tremendously and our patients as we will not be able to proceed with our payroll and other payments that are related purely to patient care. 
Furthermore, we are definite about that there was and could not be any suspicious activity or risks that could have led to this decision. 
Current funds are not available and it jeopardizes our ability to continue providing services. 
The magnitude of the consequences of this kind of unexpected and unfair decision drastically affects the population we serve and us, as a small and hard-working agency. 
Please provide any advice to remedy this situation that leaves us helpless and on the brink of closing the agency affecting at least XXXX employees and their families. 
It is impossible to sustain as a small business owner with competition on the one hand and unfair systems on the other.

It is imperative to stop this kind of action where our rights are being violated with no further explanation provided. 
Your response is much needed and appreciated. 
Looking forward to hearing from you.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

I sent my dispute XX/XX/XXXX and have yet to receive an update in over 30 days. Consumer-reporting agencies must correct or delete information that is inaccurate, incomplete or unverifiable within 30 days. 
The items in question to be removed are : 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 Credit Card XXXX account # XXXX Should also be deleted : Public Record from a XXXX XXXX Bankruptcy on XX/XX/XXXX.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, 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. (RI)

i look on my credit report unknown things on report these are the list of the inqures i want revomed. XXXX XXXX on my report 2 times. XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-27
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 (NY)

I requested for a credit limit increase for my QuicksilverOne credit card from Capital One. During the application process 7 months ago it was mentioned that a customer can be eligible for a credit line increase if the account is maintained in good standing, not over the limit, paid on time and paid more than the minimum payment. I have done all these things for a period of 6 months going 7 months, however, despite all efforts, Capital One still won't increase my credit limit. I have the card for 7 months now in good standing and remained active. This is one of the unfair and unjust practices of the bank. I am just following their instructions on how to increase my credit line. I hope they will be considerate and do better. Also the fact that I'm currently employed as a XXXX XXXX in XXXX with a very acceptable annual pay.
Consumer complaint received 2023-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY (MA)

Wells Fargo, according to the attached document, provides different level of service to consumers based on the type of the phone service that consumers receive. 

From the attached letter it is clear that Wells Fargo requires customers to subscribe to expensive telephone service in order to receive certain credit card services from Wells Fargo. There is no information neither on Wells Fargo website, nor in the attached letter, nor in any of the Wells Fargo marketing materials, what type of telephone service and from which companies the customers must have in order to receive all services from Wells Fargo credit card advertised to the public. 

There are classes of consumers that for various reasons, such as living in a specific geographic areas, who can not obtain telephone services from companies that Wells Fargo had partnered with. The Wells Fargo policy has desperate impact on those classes.
Consumer complaint received 2023-06-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (CA)

Hi, I have medical inurance with a XXXX $ copay. I have had this insurance since birth and continue to pay into it today. The XXXX $ is absolutely ridiculous considering it should only be 5 . I have XXXX XXXX XXXX XXXX XXXX and im willing to provide any information needed to dispute this.
Consumer complaint received 2023-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2023, I logged into my JP Morgan Chase bank account to review my balances and saw that my savings account balance was {$890.00} and my checking account balance was {$0.00}. These amounts were significantly inconsistent with my balance and activity. 

I looked at my checking account and saw 59 ATM withdrawals had been made on XX/XX/XXXX and XX/XX/XXXX in amounts of {$1.00}, {$100.00}, {$140.00} and {$160.00} and totaling over {$9000.00}. 

I immediately went to my bank branch to discuss next steps. A case was opened by XXXX XXXX, the Branch Manager of Chases XXXX XXXX branch. XXXX XXXX canceled the card ( which was still in my possession ) and closed the accounts. XXXX XXXX reported the unauthorized transactions and I expected that I would get my money back, Instead, on XX/XX/2023, the Chase Customer Claims team sent a letter stating that they found all of these transactions to be authorized and would not make an adjustment. 

59 transactions below {$200.00} over 2 day period should have been flagged by Chases Financial Crimes staff, as this activity is not wildly inconsistent with prior account activity but is the very definition of unusual or suspicious activity as described in the Interagency Guidelines on Identity Theft Detection, Prevention and Mitigation. Chases failure to identify this fraud is grossly negligent. 

My prompt reporting to Chases bank manager took place within 48 hours of the clearly fraudulent activity. Under Regulation E, had a legitimate review taken place, my liability would have been capped at {$50.00}. 

It is disappointing, although not surprising given Chases regulatory history with respect to money laundering, sanctions and fraud detection weaknesses, that I am now seeking assistance from the CFPB to be made whole.
Consumer complaint received 2023-06-24
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. (MI)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-06-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (DE)

XX/XX/2023 {$0.00} PayPal Today I opened an account for the first time. The account was then placed on limitations. I received an email stating " I can no longer do business with Pay Pal ''. I called to close the account. I was told the account could not be closed because it was placed on limitations.

The call was escalated to a higher level. The gentleman got on the phone and did not give his name. He stated " the email address was a risk ''.

It is my business email account that was just created a few months ago. It had not been used much. I asked why and he stated because of " Fraud '' and it " will not be closed, but will be kept limited so no one can call in with the email address and use it ''. I told him I wanted all my personal identifiable information removed from their system and an email sent to me. He stated he could not do that. He stated that could not be done because PayPal is a financial institution. I told him i am not looking to get money from them. This is just for transfer. He told me he could not delete my information because of a risk. I assured him I was not a criminal and didn't have a criminal background and have never used paypal before and therefor my information should not be blocked because there is no papertrail in your system regarding me. I am a new customer. He then hung up the phone.
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: EQUIFAX, INC. (FL)

I received a response from Equifax stating they verified an account as accurate. I looked at my credit report today XX/XX/year>, and still see incomplete and inaccurate information. According to the FCRA, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. ( See attached ).

USBK Court - XXXX - Information is reporting inaccurate and is still not correct.

So I request a description of the reinvestigation and they did not provide it to me which is a violation of 15 USC 1681i7 and 15 USC 1681i ( 5 ).
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXX 15 U.S. Code $ 1681c-2 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 an 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 IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delete accounts listed IMMEDIATELY! 

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 Also on XX/XX/XXXX I disputed XXXX XXXX XXXX  and it came back as verified. I would like to know how this information was verified.
Consumer complaint received 2023-06-24
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. (FL)

On multiple occasions I have submitted my paid in full letter from XXXX XXXX and yet each credit reporting agency refuses to change the balance due. They are purposely hindering my credit in what I can only assume is a targeted attack on my person and my ability to provide housing for my family. They have provided zero reasoning into why they refuse to make the change.
Consumer complaint received 2023-06-27
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. (AL)

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 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.