davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-12
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 (NY)

In XX/XX/XXXX of this year, I purchased 3 digital cards and paid for it on XXXX using my Barclays Wyndham Rewards Earner Card. Ive had three successful transactions with the same seller previously, all on the same date, XX/XX/year>. All items were provided on the same day, and since they are digital items, they can be sent with just a few clicks after payment. However, in XX/XX/XXXX, after paying for three items for {$86.00}, the seller stopped communicating with me and never delivered the items. I messaged the seller and even called them on XXXX XXXX since thats where the written communications occured. They saw the messages, but never responded. Hence, I have decided to contact my credit card company to dispute the transaction on that same week. I explained to them everything that I just mentioned above. The seller provided them a screenshot of one of our SUCCESSFUL transactions dated XX/XX/XXXX in the amount of {$84.00}. The transaction I was trying to dispute is dated XX/XX/year> for {$86.00}. My credit card company, without looking clearly at the screenshot document the seller provided, sided with the seller and instead is saying that I was the one in the wrong and informed me formally through XXXX, and CLOSED the case. The seller did not provide the right document for the disputed transaction because it was never successful. I then contacted Barclays again and made an appointment to speak to a manager. The manager contacted me back the following morning and after explaining everything to him in depth, I specifically ask him if he saw the discrepancy with the information the seller provided being the wrong amount and the wrong purchase date, and he agreed and said he would note the account but I would still need to write a letter and send in the rest of the qualifying communication documentation. I printed all of the communications with the seller including the part that they conveniently decided to use up to the last part of the conversation where they never provided the item and decided to stop communicating with me. I wrote a letter to Barclays as requested and sent all the documents through XXXX since Barclays still do not have Electronic Mail as a method of communication. Two weeks later, I received a letter from the card company stating that my documents are insufficient proof, and YET, the one page screenshot document that the seller conveniently used to prove their case WHICH WAS THE WRONG AMOUNT AND DATE OF TRANSACTION was deemed Correct by Barclays Dispute Team. As a year long member and with an excellent credit rating, this is my first time disputing a transaction with Barclays, and this is the kind of service they are providing. 

I am submitting this claim to request assistance in elevating this matter to resolve it approriately and have my funds returned.
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$3700.00} XX/XX/XXXX XXXX  XXXX XXXX {$1700.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$5400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$12000.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$650.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$210.00} XX/XX/XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK (OK)

Good morning how are you i have paid this credit card discover bank and XXXX XXXX is harrashing me since XXXX  kindly remove this credit card from my credit report. 

Company : Discover Financial Services Consumer : XXXX, XXXX This e-mail is to notify you that you currently have a new message with XXXX in regards to complaint # XXXX. 

This firm is harrashing me since then XXXXXXXX XXXX XXXX, DO NOT XXXX ME AND MY FAMILY FOR MONEY SO YOUR STATES AND RESIDENT IN THESE BOTH STATES CAN GET MONEY FROM GOVERNMENT FOR PROJECTS AND HOUSING AND SBA LOANS, I DONT HAVE ANY MONEY TO GIVE STREET BEGGARSIN MA AND NY STATES YOU GUYS HAVE XXXX XXXX XXXXS YOU GUYS HAVE WORKED ON ME AND MY BROTHER STOP YOUR WORK IMMEDIATELY. BOTH OF THESE STATES COMMISSIONERS AND POLICE OFFICERS HAVE WORKED ON ME AND MY FAMILY AND PUT OUR LIFES IN DANGER FOR COMING OUT FROM POVERTY I HAVE KNOWN ALL THIS INFORMATION BY CHECKING YOU GUYS FROM XXXX XXXX THAT I HAVE FROM XXXX XXXX XXXX AND XXXXXXXX XXXX 

PLEASE DO NOT XXXX  ANY RICH MAN FOR MAKING MONEY OR BECOMING RICH IN USA AGAIN. 

FINALLY DO NOT USE XXXX XXXX FROM XXXX AND XXXX XXXX FROM XXXX AND XXXX FROM XXXX AND XXXX XXXX FROM XXXX XXXX DO NOT HARRASH ME FOR GIVING YOU GUYS ANY MONEY. 

ALSO PLEASE DO NOT USE AI AND XXXX ON ME, MY MOTHER XXXX XXXX XXXX, MY BROTHER XXXX XXXX, SISTERS AND THERE FAMILIES XXXX XXXX AND XXXX, XXXX XXXX AND XXXX XXXX DO PUT ANY ULTRA XXXX LIGHTS ON US FROM XXXX XXXX MA AND XXXX NY XXXX ALSO DO NOT USE ANY SATELITE TO XXXX US. 

Do not put any assassins ' or XXXX  on me for timber tree assets i had in XXXX and do not try to kill me or my family for this discover credit card. 


Thank you so much for your time.
Consumer complaint received 2024-11-11
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. (SC)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-08-08
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. (KY)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT # XXXX -- XXXX XXXX XXXX XXXX- ORIGINAL CREDITOR- 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 An ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This notice addresses unvalidated late payments on my credit record that remain unresolved despite my written dispute submitted over XXXX XXXX XXXX  Your failure to respond or provide validation within the required timeframe violates federal law.
Consumer complaint received 2024-11-11
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. (FL)

PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXXDEBT FINAL RULE XXXX ( B ) ( XXXX ) XXXX ( B ) ( XXXX ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF XXXX XXXX XXXX DEBT XXXX  AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX XXXX {$3600.00} XXXX {$7100.00} XXXX {$2400.00} XXXXXXXX XXXX XXXXXXXX {$5900.00} XXXX XXXX {$140.00} XXXX XXXX  {$1800.00}
Consumer complaint received 2024-11-10
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. (FL)

Kindly see file attached titled XXXX  dispute letter. This letter details the dispute been filed against XXXX XXXX and the credit bureaus involved. 
Kindly see file attached.
Consumer complaint received 2024-11-10
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. (NY)

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. 

Account name : XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-11
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove froudulent inquires from my credit report
Consumer complaint received 2024-08-28
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

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 2024-09-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I bought concert tickets on XXXX in XX/XX/XXXX and the concert is on XX/XX/XXXX. XXXX said they will send me the ticket on XXXX and I saw the same ticket was still on the listing on other website. It seemed like fraud to me so I disputed the transaction but Bank of America denied. I received tickets on XX/XX/XXXX, but different tickets that it was supposed to be. Seating is completely different. I can't dispute anymore since it's been more than 60 days from the purchase. And XXXX insists it's " better '' seating than from listing, but I don't believe so. Really, this is not fair. 

Above is the case XXXX I submitted that complaint on XX/XX/XXXX. After submitting a complaint, BofA contacted me many times, but they're in eastern time and I was in pacific time. We are in different time zone. I couldn't make their time which is XXXX Eastern Time. For three days, I woke up at XXXX to call and talk to them, but I was always referred to voice message system. XXXX XXXX who was in charge never returned my call. Then, she just closed the case. Seems like Bank of America just doesn't want to deal about this matter. They just want to close the case. I am just so disappointed and frustrated how they're so unprofessional and not on customer 's side.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In the year XXXX, I received a 1099 from Bank of America in the amount of {$3900.00}. ( See attachment below ). 

In the year XXXX, I also received another 1099 from Bank of America in the amount of XXXX. ( See attachment below ). 

I have paid taxes on these INCOME ( s ). Therefore, this was not a " charge-off, '' but actually INCOME since I received 1099 's for them AND i paid taxes on those income ( s ). Accordingly, by law, this should be removed from my credit report.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (CA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2024-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC (FL)

On todays date while overseas I went to use my credit card and it was declined. Then company emailed me as security an email asking if it was me who had used the card and made the charge, to which I resoponded yes and they acknowledge my response and thank me. 
Then as an additional precaution I called the card company and talked to lady operator and explained the declined and told her I was overseas and for her to inform the company so I would not have problems charging card while overseas. She acknowledge my request and told me that I needed to call every 30 days if not return stateside for as long as I remained overseas for work. 
She assured me the card was ok to be used. 
I later went an tried using my card again to pay for items I purchased and again it was declined. 
I call again to get an answer and the lady that responded to my call informed that the card had been reported lost. 
I asked her to provide me the name of person that reported lost and she did not. I then asked to speak to her supervisor and explained my problem and she also declined informing me who had reported the card lost. 
I did tell her that this was damaging to my person because i WAS OVERSEAS AND RELYING OF THE USE OF MY CREDIT CARD. 
I did ask her to undo this reporting the card lost and she advised me she could not and that a new card had been issued. I told her that I has spent XXXX in shipping the card from my US address to my address overseas where I am presently working and asked her to ship overseas or refund the monies I has spent on XXXX the card overseas for my use. She said she could not do that and I did explain the horrible damage that the mis reporting by employee of the card company had caused. Not to mention that I am overseas now without a credit card only because the misreporting made by card employee. This is a enormous damage to my well being and person caused by card company employee. 
requested the audios of call I had made and the name of employee that reported the card lost and she did not provide any of it.
Consumer complaint received 2024-08-08
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: Experian Information Solutions Inc. (CA)

Upon reviewing my Consumer credit report, I noticed that your agency has violated multiple regulations, entitling me to monetary compensation under FCRA 15 U.S. Code 1681s2 and 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Specifically, your agency furnished reports in connection with credit or insurance transactions that I did not initiate ( inquiries ).

According to the law, a consumer reporting agency may only provide a consumer report for credit or insurance transactions not initiated by the consumer if : ( A ) The consumer authorizes the agency to provide the report, or ( B ) ( i ) The transaction involves a firm offer of credit or insurance.

Furthermore, except as provided in section 1681g ( a ) ( 5 ), a consumer reporting agency can not furnish records of inquiries related to such transactions that the consumer did not initiate. 

Under FCRA 15 U.S. Code 1681n ( b ) ( B ), if a person obtains a consumer report under false pretenses or knowingly without a permissible purpose, they are liable for actual damages suffered by the consumer or {$1000.00}, whichever is greater. Additionally, punitive damages may be awarded by the court.

Your agency is in violation of the law! According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written consent. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse information in a consumer report, other than records of convictions of crimes, that is older than seven years.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is stated that a person shall not furnish any information related to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Delete this information immediately!
Consumer complaint received 2015-04-14
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Delbert Services (GA)

Took out a loan with western sky for {$2500.00}, and immediately they turned it over to XXXX. Paid {$290.00} over 16 months ( {$4700.00} ). I realized I could no longer pay this ( behind on mortgage/utilies ) and that this extreme interest is illegal in my state ( Georgia ), requested they stop the ACH and we come to an agreement that they 've received their {$2500.00} already and then some. This was either XX/XX/XXXX or XX/XX/XXXX. They stopped the ACH debits, but are still trying to collect {$7000.00}. Do they have the right to collect?