davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-29
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV INC. (CA)

On XX/XX/XXXX my husband and I received a One-Time Contribution from CA Middle Class Tax Refund in the amount of {$1000.00}. On XX/XX/XXXX I went to the XXXX  XXXX XXXX near my house in XXXX XXXX, to withdraw the XXXX amount possible of {$500.00}. I was successful in withdrawing the {$500.00}. My balance after that was {$540.00} after some fees were applied. A few days later, I attempted to withdraw another {$500.00} at an ATM in XXXX, which is the city where I work. The ATM did not release the money. I was confused and assumed user error, so I tried at another ATM, and again nothing happened. It said there were insufficient funds. I knew there was a balance of over {$500.00}, so I was very confused by this. I then called the customer service number XXXX to see what my balance was. The automated service told me that the current balance is {$21.00}. I started doing some online research, and saw many news stories of funds being stolen from the CA Middle Class Tax Refund money network cards, and realized I was a victim of this as well. I have faith in government programs and that this would be resolved, so I didnt act on it right away. 
On XX/XX/XXXX I called customer service and filed a dispute. The customer service representative told me there was a transaction on XX/XX/XXXX for {$520.00} in XXXX. This was XXXX day after my card was activated and money had been withdrawn. The charge or withdrawal of {$520.00} in XXXX was NOT done by me or my husband. The card was with me the whole time, so the card itself was not stolen. I dispute this transaction of {$520.00}. Following up on this, I was recently told that my dispute was denied and closed. How can this possibly be closed and denied? It is clear that the hackers/ spammers were jumping on funds as soon as the card was activated and used, and this is what happened to me and my family. Ive included a list of the transactions to clearly communicate the dates and transactions that are being disputed and appealed. 

XX/XX/XXXX {$1000.00} One-time Deposit CA Middle Class Tax Refund ( Balance {$1000.00} ) XX/XX/XXXX - {$1.00} ATM Withdrawal Fee ( Balance {$1000.00} ) XX/XX/XXXX - {$500.00} Withdrawal XXXX XXXX ( XXXX {$540.00} ) XX/XX/XXXX - {$1.00} ATM Withdrawal Fee ( Balance {$540.00} ) XX/XX/XXXX - {$520.00} charge*TARZANA XXXX XXXX ( DISPUTE THIS XXXX ) ( Balance {$21.00} ) I am filing this complaint to recover the {$520.00} that was stolen from my account on XX/XX/XXXX in XXXX. I filed a dispute to Money Network and it was denied. If you need any further information, please let me know and XXXX happy to provide it. Thank you for your time and effort in this matter.
Consumer complaint received 2023-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-07-28
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: Open Dealer Exchange, LLC (FL)

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.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

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. 

XXXXXXXX XXXX # XXXX, XXXX XXXX XXXXXXXX, DEPT OF ED/XXXX  # XXXX 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. 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2023-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NJ)

I am a consumer of the chase sapphire reserve credit card which I have had since XXXX when it was first launched. On XX/XX/XXXX I tried to transfer XXXX points to my Marriott account via the Chase system as they are a verified travel partner and Chase was offering a 50 % bonus on transfers to Marriott. As such I should have received XXXX Marriott points into my account. Each point can be redeemed for XXXX cents, so these points were worth ~ {$1600.00}. 

As per the chase policy I could only transfer points to a travel partner account which has the same name as my chase account or to a verified household member registered to my chase account. During the transfer the Marriott account number was incorrect by one digit. Instead of XXXX, the chase transferred the points to XXXX. 

When I contacted Chase about this issue when the points did not make it to my Marriott account, they reassured me that this was a mistake and that it will be rectified and I will hear by physical mail in 10 days. In late XXXX, I got a letter saying my claim has been rejected. When I called Chase and asked them they said that they can not do anything as the points have been transferred already. When I pointed out their own policy of what transfers are eligible they were extremely rude and told me there is no recourse and I should take it up with Marriott. Marriott obviously can not divulge private details of another customer to me. I never registered another household member with Chase and they never verified where the points were going, all of this against their own stated policy. 

I no longer want to be a chase customer, but I would like reimbursement for these points in the form of {$1600.00}. I pay a very steep annual fee for this card ( {$550.00} ) and spend $ XXXX on this card annually. This loss negated any potential benefit from the card.
Consumer complaint received 2023-08-19
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-19
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. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have Items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 Balance Owed : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX
Consumer complaint received 2023-08-19
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: Experian Information Solutions Inc. (CA)

I am submitting a CFPB Complaint to inform the Credit Bureaus about the fraudulent accounts and incorrect information they have been reporting on my Credit File. After conducting research, I have learned that to remove these fraudulent accounts, I need to file a report with the Federal Trade Commission ( FTC ) at https : //www.ftc.gov. According to FCRA section 605b, Credit Reporting Agencies are obligated to remove and block any accounts listed on an ID THEFT REPORT. I have attached the necessary documents to aid in blocking the erroneous information that is appearing on my report. Here is a list of the accounts that do not belong to me or were opened without my consent : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX Balance Owed : {$560.00} XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1500.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I assure you that I did not open these accounts or authorize anyone else to do so on my behalf. FCRA Section 605B ( a ) states that the Credit Reporting Agencies must block any information in the consumer 's file that is identified as resulting from fraud within four business days of receiving the request.
Consumer complaint received 2023-08-19
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX Balance Owed : {$18000.00}.
Consumer complaint received 2023-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

XX/XX/23 I called Bank of America ( BOA ) as I was trying to set up AutoPay on BOA 's website. It listed in the About Amounts that Fixed Amount could be used. As I clicked the drop down, the Fixed Amount option was not made available. They only gave two options in which BOA is determining the amount paid back. As I called in to better understand why the option is listed on the BOA website but is not made available. I was told it was taken away last year. I explained that the financial institution ( BOA ) does not have the ability to determine the amount paid back within an AutoPay system unless a lien is held against that consumer. The woman on the phone kept deliberately calling me the wrong name and telling me they no longer offer that option despite it being listed on BOA 's website and then hung up on me. Why does a financial Institution get to determine or limit my options as a consumer as to how much I want to pay back my credit card within an AutoPay system?
Consumer complaint received 2023-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 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 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 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
Consumer complaint received 2023-08-19
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (IL)

On late XX/XX/2022, likely around XX/XX/22, I was trying to redeem XXXX rewards certificate ; however there is a system on XXXXComenity bank that I can not redeem my rewards, system display an issue saying there is something wrong, try again later. I called customer service and they acknowledged the issue ; and told me if the rewards expired, they can send it back to me. However it never happened. The rewards totaling around {$60.00} went expired. I have been calling more than 5 times but the answer is they can not reissue the expired rewards. Very frustrating experience. Feel like my money is stolen by XXXX and Comenity Bank.
Consumer complaint received 2023-08-19
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION (NC)

I have been working with XXXX XXXX, the branch manager, at my local Truist bank branch that I have been charged an additional interest payment that I did not owe. It is an equity line. It originated in XXXX. I have been to the branch multiple times to have this corrected. They keep redirecting payments. Which is their solution to the problem not my request and payments go to principal instead of interest etc... I get notices in the mail that I have not paid. I get phone calls that I have not paid. I have made an interest payment every month and paid {$1000.00} to principal. I just got off the phone again after explaining again only to reach another dead end. This was 38 minute long phone call. I ask for phone numbers of people in charge of XXXX, who has been unable to correct this from XXXX to the current date and I am told they can not give me this information. I have been told this at the branch, online and from the bill collectors. I have the payment coupons for each month and checks from my bank and my bank statements to show that I have been making payments. I have made all of the payments at the branch office and they have applied them to my account.
Consumer complaint received 2023-09-19
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. (NY)

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 2023-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Subject : Dispute of Late Payment Reporting during XXXX Pandemic To Whom It May Concern, I am writing to dispute a late payment entry on my credit report related to my account with CAPITAL ONE. The late payment in question occurred during the XXXX pandemic, and I believe it was inaccurately reported. I am seeking your assistance in rectifying this matter. 

I recently reviewed my credit report and noticed that a late payments has been reported on XXXX for my account with CAPITAL ONE. I would like to bring to your attention that during the period encompassed by the late payment, I was granted an " accommodation '' by CAPITAL ONE as defined under the provisions of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( f ) ( i ) ( I ). 

According to the definitions provided in the subsection : " Accommodation '' includes various forms of assistance extended to consumers affected by the XXXX pandemic, such as deferring payments, making partial payments, forbearing delinquent amounts, modifying loans or contracts, and other relief measures. 
The " covered period '' pertains to the time during which the consumer is affected by the coronavirus XXXX 2019 ( XXXX ) pandemic. 
During this covered period, I was adversely impacted by the pandemic, leading to the " accommodation '' granted to me by CAPITAL ONE. As a result, I am disputing the late payment entry as it does not accurately reflect the circumstances and the " accommodation '' provided by the creditor in accordance with the Fair Credit Reporting Act. 

I kindly request that you investigate and correct this error on my credit report. As per the FCRA, I have the right to accurate and fair reporting of my credit information. I have enclosed documentation supporting the accommodation provided by [ XXXX 's XXXX ] during the XXXX pandemic. 

Please provide me with a written response confirming the results of your investigation and any updates made to my credit report as a result of this dispute. Additionally, if any documentation is required from my end to facilitate this process, please let me know. 

Thank you for your attention to this matter. I look forward to a prompt resolution of this dispute. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-19
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. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-08-19
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)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX I made payments XXXX and showing account open. Attached showing account closed on credit report yet showing open on Experian and XXXX. Showing made payments on XXXX yet late payments on Experian. However, no payments from me were never made showing from XXXX to now. 
No balance is due Airport Infinity fraud and XXXX XXXX gave wrong information to XXXX 

PLEASE PROVIDE PROOF PAYMENTS WERE MADE FROM ME FROM XXXX. 

PLEASE PROVIDE PROOF OF THIS BALANCE STATED WERE DUE. 

PLEASE PROVIDE PROOF OF ANY LATE PAYMENTS. 

PLEASE PROVIDE STATEMENT FROM CAR DEALERSHIP WHO PROVIDED THIS INFORMATION TO XXXX XXXX PLEASE PROVIDE WHO IS DIRECTLY REPORTING THIS INFORMATION. 

PLEASE PROVIDE PROOF IF PAYMENTS WERE MADE BY ME FROM XXXX TO XXXX WHY IS THE BALANCE THE SAME AND DOESN'T CHANGE OR GO DOWN? 

WHY WOULD THE BALANCE REMAIN THE SAME IF I WAS MAKING PAYMENTS? 

WHY IS THIS ACCOUNT SHOWING 7 YEARS AND 7 MONTHS ON CREDIT REPORT? 

PLEASE PROVIDE PROOF WHY THIS ACCOUNT IS SHOWING OVER THE 7 YEAR STATUE PER THE CFPB GUIDELINES.