davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-14
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. (MI)

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

In accordance with the fair Credit Reporting act ) IN COLLECTIONS XXXX XXXX XXXX XXXX LATE PAYMENTS, XXXX XXXX XXXX  LATE PAYMENTS, XXXX XXXX, XXXX XXXX XXXX XXXX LATE PAYMENTS, XXXX XXXX XXXX LATE PAYMENTS, 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 any reasons.

According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, XXXX, Experian, written permission to furnish these accounts. 

THE LATE PAYMENTS REMOVE OR DELETE THE ACCOUNTS.
Consumer complaint received 2017-03-19
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Neon Newco Corporation (AZ)

On XXXX/2017 I was admitted to the hospital with a XXXX. for the next 2 days I was very much out of it not even knowing what day it was or what was going on around me from all the XXXX I was given. was released on XXXX/2017 around XXXX. When I got home and realized I could n't find my debit card I right away called customer service reported it stolen and told them ( I have a Netspend prepaid card ). I had the card cancelled and a filed a dispute over the transactions that had occurred during my hospital stay. I was told 7-10 business days. So I waited. This past Tues XXXX I called Netspend to check the status and was only then told that a letter stating the claim # and Ref # and all charges being disputed had to be submitted. I sent the letter as requested. On the 10th business day which was Friday XXXX/2017 I again spoke to customer service they were not very helpful so I asked for manager. I explained the situation again and he looked over my file. He said that no provisional credit would be loaded to my account because their dispute dept. had decided that I had benefited from these transactions. I am out XXXX and have had to make multiple calls and been put on hold for long periods of time. I was never asked for any other documentation except the dispute for letter with the dates and claim #. On Friday XXXX/XXXX/2017 in late evening I received a response stating no provisional credit would be applied to my account. I again called and s poke to manager who sent an e-mail to that departed requesting the reason and what documents did they base this denial on. I ask how could they deny something like that when I was admitted thru the ER not even knowing what day it was. I have been a netspend customer for several years. I have never filed a dispute before. This has been such a hardship on me that when I was released on XXXX/2017 and learned of my card which only made things worse as I was released in the am of the XXXX and ended up being readmitted. I asked how I could have benefited from these unauthorized transactions seeing as I did n't even know what day it was nor could I have been at any of the locations where my card was used. The manager did not have an answer for me. I have never been treated in a way that has made me feel insignificant. The cameras at the ATM s will clearly show that I was not the one removing money from my acct. I am beginning for some help with this issue. The are FDIC insured which is set up that way specifically to help customer If these things happen to their money to protect their money I would like some help resolving this issue
Consumer complaint received 2016-06-15
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (NC)

ACE CASH EXPRESS had a 3rd party collection agency call me and are saying they are going to take legal action against me and sue me. Some guy also called saying he was coming to my house to serve me papers. Apperently i owe {$2500.00} or I will be sued for {$6500.00}. Just seeing if this is legal and not fraud. Please Help!
Consumer complaint received 2023-06-14
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: GOLDMAN SACHS BANK USA (AZ)

Goldman Sac Marcus is the company. I have close to {$220000.00} on a 10 Month CD. I signed up on the CD on XX/XX/XXXX with a lady named XXXX. She made up sign paperwork for the CD. She never advised me of a Federal witholding backup. At XX/XX/XXXX, when I got the statement it stated Goldman Sacs Marcus was taking out 24 % Interest I made for XXXX. I called on XX/XX/XXXX and was told it was a IRS problem. I was getting the runaround. I called on XX/XX/XXXX spoke with XXXX, she said it was a signature card problem, I selected federal witholding backup a 24 % .I would never select this. She advised she would send out a signature card express so we could fix. I had no idea that when I got the statement they taken out {$220.00} from my account. XXXX never did send the signature card out. Also, I had called on Sunday the XXXX. They were clueless. I called on XXXXXXXX XXXXand spoke to XXXX, She advised no signature card was ever sent. She advised no refunds are given, I had to call withing 30 days. I was checking my account every day in the month XXXX, and there was no FEDERAL witholding on my account.. I want my money back for the month of XXXX and so far for the month of XXXX Plus Interest. XXXX said they keep the money.
Consumer complaint received 2024-10-10
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. (FL)

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 2024-10-10
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. (LA)

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 XXXX XXXX XXXX. Account name XXXX XXXX Account # : Unavailable I looked at my transition credit report on XX/XX/scrub>XXXX XXXX XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the following information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to the 15 USC 1681i 5 they are suppose to do this list ( 5 ) terminal of inaccurate or unverifiable information. ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a customer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to nor 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 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Hello, I just did some extra research and I am highly upset of this issue, I have tried fixing this issue with the credit bureaus with my addresses before I noticed they still haven't fixed it, and I still have much more unauthorized inquires, what is wrong with you guys, please help me to get them to fix these errors on my report.
Consumer complaint received 2023-06-14
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: BARCLAYS BANK DELAWARE (NY)

On XX/XX/XXXX there was a fraudulent charge for the XXXX XXXX ( in XXXX, XXXX ) for {$1900.00} on my Jetblue Mastercard. JetBlue alerted the fraud and I called to lock the account and get a new card sent to me. The charge was removed from my account. Two months later on XX/XX/XXXX, the charge reappeared on my account. I called Jetblue Fraud and asked why the charge was put back on the account and they said after an investigation it was put through as valid. I was never in XXXX, XXXX so I asked what documents they had to come to this conclusion. They said they had merchant documents, but those said documents didn't have my name or address on them, so I asked to re-dispute the charge. They said to wait 10 business days and I waited longer and never received a response. I called back XX/XX/XXXX to ask about the now re-disputed charge and was informed that they closed the investigation and were leaving the charge as valid because of the card being in person or something to that effect. I was in New York this entire time and never traveled outside the country, so my card could not have been in XXXX. I have charges on other credit cards from that same day in New York, one of which I have attached and highlighted charges made in NY on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I do not trust Jetblue to do their due diligence and would greatly appreciate outside assistance in this matter.
Consumer complaint received 2023-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

After prior TERRIBLE experiences with Citi *banking* ( not credit cards ) in the past, I attempted to give them one more try to see if they had improved their platform/customer service, and opened a Checking account with them. 

XXXX. On XX/XX/2023 I attempted to open a checking/savings account with Citi. Due to an error from their website, two accounts were opened. I immediately contacted Citi to let them know I only wanted one account, and to close the other account. 
XXXX. On XX/XX/2023 I transferred {$10000.00} USD from my XXXX XXXX account to my new Citi account, using the Citi money transfer feature. 
XXXX. On XX/XX/2023 I noticed I could no longer login to my account, and had received an ambiguous email from Citi stating " Your Citi account ( s ) will be closed '' 4. I immediately contacted Citi to find out what is going on. They refuse/are incapable of telling me ANYTHING regarding this matter, and had the nerve to suggest I " used a VPN '' to circumvent some kind of access controls on their side. THey were unable to substantiate or clarify this accusation, and are only able to brush me off and say " you will receive a letter in a FEW WEEKS explaining this decision '' 5. Citi is REFUSING to return my {$10000.00} - suggesting it will be done when it's convenient for them ( >30 days? ) ; _THEIR TEAM_ suggested I submit a DISPUTE with XXXX XXXX about the money that Citi is refusing to return. 
XXXX. I have submitted a dispute with XXXX XXXX, and they are saying due to the time frame that had passed, they can not reverse the ACH and it will now have to go through their full dispute resolution process which is >= 45 days. 

It is absolutely absurd and unconscionable that Citi has chosen to take, hold, and refuse to return my {$10000.00} transfer without any explanation. AFter multiple calls to Citi, I am unable to get ANY information and am constantly told just to " wait for the letter in the mail '', leaving me in the dark with where/what is happening to MY funds and when they will be returned to me. 

Citi has making/is making NO attempt to explain what the issue is with my account or why it was closed. This is absurd. 
Banks should have some responsibility to consumers to tell them what is going on with their account, and clear explanation of the accusations surrounding accounts being closed/locked/made inaccessible.
Consumer complaint received 2023-06-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (NV)

On XX/XX/23 I received a phone call from Navy Federal Credit Union stating I was accused of fraud, and my XXXX account was suspended before conducting a proper investigation. The XXXX XXXX representative stated XXXX was the party responsible for suspending my account, and I would need to contact them directly to request for the suspension to be removed. I submitted text messages from the accuser directly to XXXX XXXX on XX/XX/23 as proof that I did not commit any fraudulent activities. I also filed a complaint against XXXX with CFPB on XX/XX/23 regarding my account. XXXX responded on XX/XX/23 ( letter attached ) and confirmed they completed a thorough review of my profile and confirmed there are no restrictions on their end. I called Navy Federal on XX/XX/23 to receive an update regarding the proof I submitted on XX/XX/23 so that a proper investigation could be implemented. As of todays date XX/XX/23, Navy Federal has not reviewed the information I submitted nor started investigating the falsified claim made against me and my suspended XXXX account. IT HAS BEEN OVER 3 MONTHS!!
Consumer complaint received 2023-06-14
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. (CA)

I have been sending dispute letters since XXXX last year and they have completely ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone way past the 30 day mark and can not verify the account under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete Account # XXXX *. Please resolve this manner as soon as possible thank you
Consumer complaint received 2023-06-14
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. (CA)

I have been sending dispute letters since XXXX last year and they have completely ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone way past the 30 day mark and can not verify the account under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete Account # XXXX *. Please resolve this manner as soon as possible thank you
Consumer complaint received 2023-06-14
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. (OK)

I XXXX XXXX, submitted an identity theft through FTC ( federal trade commission ) and uploaded it to CFPB on XX/XX/2023. Per 15 U.S. Code 1681c2, the credit reporting agencies have 4 days to block the information submitted. It has now been ten days past the receipt of the identity theft submission. This is willful negligence as I have provided PS Form 3811 and PS Form 3817 attachments showing I mailed to the companies reporting debt validation requests for over 60 days and not one creditor provided any bona fide evidence. Also mailed validation requests to all three bureaus and these entities did not provide any records as per federal law they are supposed to have records. Not one credit bureaus has my written consent to report, these credit bureaus are private corporations and have no legal basis for their actions and are not immune to being sued. They are ignoring my request and damaging my life as this is harming me from getting any credit. These companies are using and benefitting off my data and information while my family and household suffer. After this final request i will be going to the nearest federal district court.
Consumer complaint received 2023-06-14
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-06-14
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: EQUIFAX, INC. (FL)

Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-10-09
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. (AZ)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2023-06-14
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. (IL)

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.

The letters are stated with items and issues.

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.