davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (VA)

On Thursday, XX/XX/2023, my debit card with Truist was declined for a transaction and I got a fraud alert, and I responded and confirmed that it was me making the transaction and not fraud. I then tried the transaction again, and it was still declined. I spoke with truist and they said they fixed it and I hung up and tried it again, and it in fact was not working. I repeated this same process of calling them, them saying its fixed, still not working, 3 more times till they said try again or tomorrow. I waited a few hours and was able to get 2 transactions to go through. 
The next day, XX/XX/2023, I tried to make some more transactions and was declined again. When I called I was told my card was now locked and my account is under review but my account is not locked. One of these transactions attempted was at a local atm to withdraw money for an emergency for which my only possible source of funds was this truist debit card. 
On Saturday, XX/XX/2023, I went into a local branch on XXXX XXXX in XXXX, Virginia, XXXX, to withdraw my funds for said emergency again, and was imediately handed my card and ID and told they couldn't help me.
Consumer complaint received 2023-08-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WEBSTER BANK, NATIONAL ASSOCIATION (AZ)

This is the second complaint I am filing, The first one was closed case XXXX. I left a comment, however your agency closed it without investigating and took the word of Webster bank over the actual problem. 

I have a XXXX XXXX Account. I entered an expense to get reimbursed on the phone app. The next day it appears twice, once processing ( which I received the money ). but then it lists the same expense to be reimbursed a second time ( a duplicate ). I would have to click on a button to get reimbursed a second time. I have been careful not to. And I made the company aware every time it happened. 

Expense for {$150.00} entered in phone app on XX/XX/2023 for {$150.00}. On XX/XX/2023 the account under " manage my expenses '' shows the expense I entered and that it is currently processing. But it creates a duplicate that would allow me to click and get reimbursed ( over reimbursed ). 

I have brought this to the attention of the company every time. First they blamed the pharmacy for doing it, then they blamed my insurance company for doing it. Both times during investigation by the company, they realized neither was true. After getting no results of a fix to their systems I filed the complaint with your agency. The company Webster Bank then replied to your agency that it was my fault and I was entering it twice and it was not their fault. This simply is not true, and you took their word for it. It has now happened again.
Consumer complaint received 2023-05-14
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Resurgent Capital Services L.P. (WI)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2023-05-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I submitted a complaint through CFPB for identity theft on XX/XX/2023 to TransUnion. The complaint included my I.D., FTC identity theft report, and a written statement stating that the information is not information relating to any transaction by me as well as the accounts that were affected.

According to 15 U.S. Code 1681c2 when identity theft has occurred and the above requirements are met, the credit agency has 4 business days after the date of receipt to block the reporting of said information in the file. 

TransUnion received all required information and I contacted them on XX/XX/2023 to get updates on the dispute. The representative that I spoke with told me that all information has been received, and if after 4 business days the creditor ( s ) have not responded, then by law they would block or delete the information. He proceeded to tell me to call back in a few days to check again or wait 30 days for a response by email or mail. I told the representative that by law I will not wait 30 days but instead call back after the 4 business days have passed. 

I called TransUnion again on XX/XX/2023 to follow up because 4 business days have passed and the accounts are still reporting. The representative told me that the " dispute '' is still in progress which is a direct violation of the FCRA which clearly states to block information resulting from identity theft within 4 business days. 

This is a direct violation of my rights, not only have they violated MY rights, but they have violated the FCRA by not complying and failing to do what's fair and equitable to me as a consumer. I demand at the least deletion of all mentioned disputed accounts. 

CFPB Complaint Number : XXXX FTC Report Number : XXXX Disputed accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-14
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX You are in Direct Violalion of The Fair Credit Reporting Act ( Capitol One ) has violated several of my rights. 16 U.S.C 1681 section 602 A. XXXX states that I have the right to privacy, 16 U.S.0 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not fumish an account without my willing instructions.15 U, S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Remove these late payments and update this account immediately as you are in direct violation of several law undor The Fair Credit Reporting Act.
Consumer complaint received 2023-05-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX 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 deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-05-14
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 — Their investigation did not fix an error on your report
Company: Kimball, Tirey & St. John LLP (CA)

My complaint is with XXXX and XXXX. I have filed a dispute on several occassions against Kimball Tirey & St. John and on some of those occasions they ended there investigation in 1 day, which as they really never investigated. I disputed inaccurated information on this account from my name, my address, and the facts that this account was fraudulent and a closed account reporting in Collections but somehow this closed account amounts keep changing. I am a ''XXXX '' and thats whats on my Social Security Card , Birth Certificate, and Identification. This Collection account has no accurate proof that I, ''XXXX '' was the one responsible for this account because it does not belong to me. I requested that this merchant provide proof of any documents that shows ''XXXX '' on them but they never can provide that information. This account has been removed from my XXXX Credit report almost 6 months now, but XXXX and XXXX refuses to remove this account from my Credit report.
Consumer complaint received 2023-05-14
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. (VA)

I purchased two items from XXXX one of which I returned after obtaining an XXXX and return shipping label. Despite returning the item, XXXX  failed to issue a refund for the returned merchandise and was non-responsive to follow-up inquiries. I then disputed the portion of the charge for the returned merchandise with CITI, which denied the dispute based on " the merchant 's response, '' which consisted of a sales receipt for a different item, sent to a different customer, in an entirely different state ( Attachment 1 ).

I then sent a letter to CITI pointing this out and questioning how they could possibly be acting in good faith with their response ( Attachment 2 ). CITI responded with a letter stating that they had re-opened the dispute, but also stating that they had " called the merchant and spoke to XXXX, who indicated a refund was issued in the form of a gift card via email on XX/XX/2023. '' ( Attachment XXXX ). CITI did not provide any further information about their purported call with " XXXX, '' nor did they provide a copy of the purported email issuing a gift card. In fact, no " gift card '' was ever received, whether by email or otherwise, and the narrative purportedly provided by " XXXX '' is entirely fictional. 

On XX/XX/XXXX, CITI sent another letter stating that " the merchant is not willing to issue credit to your account, '' and that CITI " no longer [ has ] any additional recourse to pursue a credit for you through the dispute process. '' ( Attachment 4 ). Once again, CITI provided no support for the denial, or any evidence supporting the validity of the disputed charge. Instead, CITI appears to have taken the position that because XXXX  will not agree to voluntarily issue a refund for the properly returned merchandise, CITI will not reverse the charge. 

Because XXXX  does not dispute that the merchandise was properly returned, and has provided no evidence whatsoever of the purported " gift card '' that was never provided, CITI 's refusal to reverse this charge is unreasonable and not in good faith. I request that CITI be required to comply with their legal obligations and reverse the charge.
Consumer complaint received 2023-08-05
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. (AL)

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.

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 2023-08-05
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. (AL)

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.

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 2023-08-06
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. (NC)

After carefully reviewing my updates, I discovered incorrect information in my credit reports. TransUnion Credit Bureau has failed to adhere to the Fair Credit Reporting Act, specifically 15 USC Section 1681i. They continued reporting unverified information without providing any evidence within the legally mandated time frame. As a result, this unauthorized reporting includes the following inquiries on my credit reports : XXXX  on XX/XX/XXXX, XXXXL XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX.
Consumer complaint received 2016-05-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

A hard credit inquiry appeared on my credit report from XXXX XXXX which was not mine. I have never banked with XXXX XXXX, and I have never applied for anything from XXXX XXXX. After further investigation, the credit inquiry appeared under a different name than mine. I then saw on my credit report that the other person 's name ( we share the same first name, but not last ) along with his addresses and phone numbers appeared on my Transunion credit report. I called Transunion, and they were able to remove his name, phone numbers, and addresses off of my credit report. They told me, however, they would be unable to remove the inquiry without a letter of denial from XXXX XXXX. When I called XXXX XXXX, they told me they were unable to provide me with a letter of denial since my name and SSN did not appear in their records ( which makes sense, since I have never applied for anything from them ever before ). After calling Transunion back and talking to a supervisor, they assured me there was nothing they could do about it, and I would just " need to wait the two years '', even though on their own credit report it acknowledges that the inquiry is not in my name and is not mine.
Consumer complaint received 2023-08-06
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

My identity was stolen and was used to open multiple fraudulent accounts without my knowledge or consent. These accounts are now in collections and reflecting negatively on my credit report. I have Diputes these accounts multiple times and submitted police reports about my identity being stolen and these accounts have not been removed yet. Some agencies have even written negative remarks after Ive filed a dispute. This is impacting my life negatively with jobs, housing and applying for credit lines.
Consumer complaint received 2023-08-05
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. (PA)

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 Account name : XXXX XXXX # XXXX Account name : XXXX 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 2023-08-05
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX 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 furnish an account without my written instruction.
Consumer complaint received 2017-02-22
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Stephen Einstein & Associates, P.C. (NJ)

When we divorced in XXXX, my ex-husband agreed to be responsible for his business debt. In XXXX, Stephen Einstein & Associates tried to pressure me to pay it, I replied right away and then they filed a suit against me in court without proper notification. They wrote me late XXXX XXXX, I called right away and then wrote in the first half of XXXX XXXX and the next thing I knew was that they had filed in court, no notice. It was very upsetting. 

I just read how Atty General XXXX successfully sued companies in XXXX back in XXXX for not providing due process and directly filing suit. Not only is my ex-husband over $ 72K in child support arrearage for our XXXX children, I have been making monthly payments to Stephen Einstein so they wo n't hurt my career. This Civil suit judgment is adversely impacting my career as a XXXX - I 'm the only one providing for my kids. I spent over {$2800.00} for a lawyer trying to avoid this hurting my career. I do n't want my ex-husband 's debt on my XXXX XXXX file - I need this cleared up. XXXX also got the judgments vacated, the payments made returned for XXXX since they were n't properly served. Can you help do the same for a working XXXX resident like me?
Consumer complaint received 2016-07-06
Product: Debt collection — Federal student loan
Issue: Communication tactics — Threatened to take legal action
Company: Windham Professionals, Inc. (MS)

I was incarcerated for 4 years and once I was released I tried to set up a payment plan but was told that i could not and would be sued, wages garnished etc. 
When they would call, my mother told them that I was in jail and tried to make arrangements to make payments for me but they could not give her any information.
Consumer complaint received 2023-08-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I am the XXXX  and have several Capital One Checking and Savings accounts. I have XXXX children ranging from XXXX who I am educating in banking techniques. I started with a child savings account 2-3 years ago with the now XXXX XXXX XXXX and then my XXXX XXXX XXXX last year. I noticed recently that while the interest rate in my savings accounts escalated to over 5 % from XXXX. The children 's savings accounts remained at 0.3 % interest. In speaking with Capital One, they advised that that was just how their products worked. The representative also advised that I could create a 360 Performance Savings Account and have my child as the secondary. I made that change and now have found out that the my child can not " transact '' against that account, such as transfer funds, etc I have made two calls to Capital One support from XXXX through XXXX regarding this issue.. 

Therefore - my complaint is unfair interest earning practices against minors and minor focused products
Consumer complaint received 2023-05-14
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MT)

This complaint is in regards to Experian credit Report # XXXX Dated XX/XX/XXXX. XXXX XXXXXXXX XXXX Account # XXXX. I have contacted the credit reporting companies through multiple dispute letters. I have contacted the creditor and each have blamed each other for not be able to correct errors in my Credit report. I have, by dispute letter, many times, contacted XXXX, Experian, XXXX, and XXXX, XXXX XXXXXXXX XXXX has verified the information on each of the credit reports. I will attach a copy of a document from Experian showing the account and a copy of the loan history from XXXX XXXXXXXX XXXX. The reporting document from Experian shows that account number XXXX XXXX XXXX XXXX was discharged through bankruptcy XX/XX/XXXX, This XXXX XXXX account was for {$24000.00}. This account was REAFFIMED and paid in full ( 1st Error ) INACCURATE. The Payment History on the Experian credit report stops XX/XX/XXXX WRONG. Please look at the loan history ( second attachment ) you will see that the loan was paid through XX/XX/XXXX ( 2nd Error ) Credit report dares are INCORRECT. While this loan covers 7 years the " Terms '' on the Experian report shows NOT REPORT ( 3rd Error ) INCOMPLETE. The " High balance '' is NOT REPORTED ( 4th Error ) MISSING DATA the " Recent balance '' are NOT REPORTED ( 5th Error ) MISSING DATA and The " Monthly Payment '' is NOT REPORTED ( 6th Error ) MISSING DATA. These errors from XXXX XXXXXXXX XXXX are also in XXXX, Experian, XXXX, and XXXX. By Law FCRA Section 609 and 611 require that consumer credit reports are to be accurate and complete if information is not accurate then the account is to be delete. By examining the attached XXXX XXXX Bank statement you can see that the information on the Experian report is very INCORRECT, XXXX XXXX has been left out. This credit report is not accurate and is incomplete.