davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-08
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

After trying to reach a company I made a purchase to in the amount of {$1100.00}, and since they didn't respond to me in over a month, I decided to dispute the charge. Capital One asked me for all the documentation and I submitted everything they asked me for over and over again. I also called Capital One almost every day to ask them if there's anything else they needed from me. If there was I gave it to them. They found I was right in my dispute the first time and removed the charge from my card. However, because the supposedly company in question ( they company in question went bankrupt and sold to an outside party while I was waiting the 11 months for me chair therefore couldn't be the same company ) sent them a paper saying the product was delivered they charged it back to me. Of course it was, I never disputed that. The issue was it was incorrect. Built wrong. This chair is as the website describes supposed to be XXXX. However, it's XXXX. I gave Capital One all the pictures, measurements, paperwork, receipts, text messages where I tried to get them to call me asap, etc. I gave them everything they asked me for not once, but twice since they charged it back to my card and made me jump through hoops again and resubmit all my documents again for the second time. Which I did and also called them every day to see if there was anything else they needed. I was assured they had everything. Then I get a letter on XX/XX/2023 saying I had not given them everything they asked for. Therefore I called to see what was happening. They actually told me I needed a second opinion. They wanted me, a XXXX yr old woman who'd had 2 XXXX XXXX with XXXX to rent a truck, hire a mover, load the chair up, take it to a manufacture and let them measure it, write Capital One a letter on their letterhead saying it's built incorrectly. That is beyond ludicris. I gave them pictures of the measurements, I have supplied documents of what the measurements where supposed to be, I gave them everything to show this chair is incorrect. I am Capital One 's customer and they should be looking out for my best interest, not the people who are trying to take advantage of me by making me pay for something they know is wrong and won't return my calls or text or contact me whatsoever. I've submitted over 30 documents to prove my case and they make it out like I'm some kind of criminal because I refuse to pay for something that's not what I ordered. I've never in my life disputed anything and I see why people don't. These credit card companies make the customer out to be the villain and take the side of the person who's doing wrong. 
My case number with Capital One is XXXX
Consumer complaint received 2023-05-01
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. (GA)

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. 

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 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 2023-05-01
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. (SC)

On XX/XX/XXXX, I contacted XXXX about the following incorrect information on my credit report. To this date, they have not responded. I am therefore submitting this request to the Consumer Financial Protection Bureau to investigate and correct the errors as soon as possible. 
The following account is not mine : XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1100.00}, Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$460.00}, Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$4300.00}, Original Creditor XXXX XXXX ) XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$400.00} ) XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$460.00}, Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$560.00}, Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1900.00}, Original Creditor : XXXX XXXX XXXX XXXX Furthermore, the following account is inaccurate : XXXXXXXXXXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$400.00} ). The account was never late. Please correct/update this inaccurate information on my credit report.
Consumer complaint received 2023-05-01
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. (NJ)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and delete it immediately in my report : XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : Balance : {$15000.00}
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXX Date Opened : XX/XX/2014 Balance : {$0.00}
Consumer complaint received 2023-05-01
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. (NJ)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXX Date Opened : XX/XX/2014 Balance : {$0.00}
Consumer complaint received 2023-06-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Revolut Technologies Inc. (NV)

Hello, I attempted to sign up with revolut.com. They provide a way to transfer money from my XXXX XXXX  to a foreign bank as well as convert the currency at far better rates than bank to bank transfers. I use a similar service from their biggest competitor XXXX which I had no problem signing up with. 

Upon completing the Revolut sign up, I was granted an account and within 1 minute my account was blocked and deleted. Revolute sent a templated email stating my account was denied and banned, no reason disclosed.

I contacted their customer support for details on why I was denied as well as whom I could contact to rectify the situation? Was their something amiss when I setup such as my address, my name, my SSN? 

Customer support stated that they will not provide the information as to why I was and will remain permanently denied. I counted that they must use a service or something such as XXXX or XXXX, XXXX and the like to determine why I was denied at Revolut but not with their main competitor XXXX? 

Revolut responded with the decision is final.

Thank you Revolut customer support email below : XXXX XXXX, thank you for your reply. 

I regret to inform you that we are no longer able to offer you our services and that your Revolut account has been deactivated- meaning you will not be able to open a new one in the future as well. I am sorry that this is the case, but under certain circumstances, we have to make these difficult decisions. As a financial services institution, Revolut conducts checks to ensure customers privacy and account safety. Sometimes, this means we have to close an account, which we reserve th
e right to do so as part of our Terms and Policies.

Thank you very much for your understanding. 

Kind regards, XXXX XXXX  Customer Support
Consumer complaint received 2024-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: PENTAGON FEDERAL CREDIT UNION (MA)

On XX/XX/XXXX, I had received a certified mail that was delivered by the United States Postal Service into my mailbox that was sent by my current credit card company named PenFed Credit Union. Upon opening up the letter, it said that my current credit limit have been reduced from {$06000.00} to {$500.00} based on three small basic reasons that is not even sufficient enough to make the change on my account. 

I currently owed {$0.00} balance before, during, and after the letter has been sent to me. The last time I used my credit card was back in XXXX. 

I had uploaded and attached documents that is related to the situation.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have been trying to get an explanation about a negative entry entered on my credit report in the status and comment sections that says " Legally paid in full for less than the full balance '' this account is paid in full so why is there a negative remark and what does it mean? please provide me an explanation as to how an account can be legally paid in full and still be considered negative. the account is # XXXX Please remove the false, misleading, and inaccurate negative remark before it can do any more harm to my reputation and livelihood.
Consumer complaint received 2023-05-01
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. (GA)

My research on FCRA 605 indicates that Credit Bureaus are required by law to remove and prohibit any goods that are discovered to have been opened as a result of identity theft. Once more, it looks that my credit with you has been damaged. The reported items are giving me a great deal of mental & financial stress, which is affecting my ability to sleep, causing issues at work, and adding unneeded stress to my home life. Credit Bureaus must remove the following items, which are stated below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX  Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-19
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 XXXX 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 2024-11-18
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. (NY)

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (VA)

XXXX Barclays Bank Delaware Open XX/XX/year> {$2600.00} Past Due is {$2600.00} I am requesting to be taken off as an authorized user of an account that does not belong to me. I believe fraud has been committed. I did not give consent to be added to this account.
Consumer complaint received 2024-10-26
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. (VI)

Consumer Name : XXXX XXXX XXXX Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 1. XXXX {$7500.00} 2. XXXX XXXX {$24000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-07
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: SECURITY FINANCE CORP (MS)

the company Security Finance is reporting that I had a late payment in XX/XX/year> to all three major credit bureaus and this is not correct. I had acquired loans with this company multiple times in the past and I had never made a payment late with this company. I have reached out to the company several times asking them to investigate and rectify there inaccurate reporting, but they refuse to and when I ask for proof of late payments, they DO NOT supply me with adequate proof they just keep sending me a letter stating that they are not subject to debt verification requirements. This account was paid in full and closed on XXXX.
Consumer complaint received 2023-05-01
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. (OR)

I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (GA)

Square ( Cash APP ) Financial company will not allow access to my account which has {$450.00} held in the account established since 2020. I contacted the Support Chat for assistance that provided steps to access the account. I was unable to take the steps because I had no access, so the case was elevated and I was provided a $ XXXX, Ref # XXXX number. I provided all the pertinent information on the account to identify myself and others users on the account. After 3 weeks and 4 different CASH Support representative, a decision was made that could not be overridden. I asked was there a Fraud and Security Dept and they responded with the same comment. I ask for lead supervisor and they would not refer one to me. I ask about the balance in my account and it was stated that it was nothing they could or tell me. They stated there was nothing that could be done. I contacted the XXXX and saw over 4,000 complaints. I decided to file a complaint with CFPB. Attached are the email strand of discussion with CASH APP.
Consumer complaint received 2023-06-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc. (IL)

I took out a credit builder loan in XX/XX/2023. Terms include payments twice a month for {$48.00} plus {$19.00} a month for the account. I have made all payments on time. My last payment was due XX/XX/XXXX and it was paid as agreed. My next payment is due XX/XX/XXXX. Today is XX/XX/XXXX and my loan is shown as late. I contacted Moneylion and was told they will not report my account as current unless I make an additional payments outside of my terms even though one is not due and I have made all payments as agreed. 

They state because I tried to make additional payments to pay it sooner and their system was non working properly at the time, I will have to make more manual payments that are not in my terms or conditions as their system cant report it as current even if it is. 

In addition to these new payments inbetween the agreed payments that are currently directly withdrawn each month, I appear to be penalized for no reason due to platform errors that they will not or can not resolve. 

I already pay Membership fees in the Credit Builder Plus program that cost me {$19.00} per month. I had to pledge securities in their Credit Reserve Accounts as collateral for the loan and can not terminate the advisory agreements or withdraw funds in the Credit Reserve Account until the loan is paid off in full. I borrowed {$1000.00} but was only given {$400.00} and the rest is held still by them. Terms state I can pay off the loan in full early at any time without penalty and may use the funds in their Credit Reserve Account to do so, yet their platform has several isssues so payments and activity get stuck on the screen or frozen and then Im penalized despite having no control in it.
Consumer complaint received 2021-11-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc. (CA)

My Visa debit card was lost and some unauthorized transactions where made after the card was lost. I logged into the app and noticed these unauthorized transactions. I immediately contacted customer service. There was no customer support phone number. My only method of communication was the chat/message feature in the CashApp. I informed and requested disputes to be filed with CashApp for the unauthorized transactions two weeks ago ( more than 10 business days ). I also declared my card lost/stolen within the CashApp to cease further unauthorized transactions and request a new debit card be mailed to me. I have followed up several times since with the CashApp chat regarding my disputes. I continue to receive responses that are not addressing my concern. Purposely avoiding my requests and dodging providing answers or solutions with such tactics as multiple responses of asking me for my email address ect. 
There are regulations that protect consumers and obviously my card was stolen. Nobody at CashApp is helping me