davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (VA)

Citibank Mastercard did not resolve my credit card dispute of {$1100.00} with XXXX stating that Mastercard imposed strict guidelines on the time limit for investigating disputes but they did not provide those guidelines. Subsequently I have looked up Mastercards guidelines for filing a dispute and it is 120 days from the time of the charge OR the expected delivery date. As you will see from the dispute material that I sent to Citibank on XX/XX/XXXX ( on page 11 ), the estimated delivery date was communicated to be XX/XX/XXXX. Thus, I filed my complaint less than 90 days from the communicated delivery date. Citibank has drawn this out for months because they did not closely review the material that I had submitted. I filed my complaint within the XXXX time limits. I need Citibank to honor their buyer protection and refund me for this charge. Please read the submitted documentation closely!
Consumer complaint received 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In the cfpb complaint number XXXX Transunion responded that they removed both of the duplicate XXXX  account however 1 is still remaining on my credit profile XXXX XXXXXXXX I demand that this account is removed immediately. Attached is the cfpb complaint where transunion responded and stated they were deleting it
Consumer complaint received 2023-04-15
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. (VA)

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request of block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : Are you familiar with something called : 15 U.S.C. Sec. 1681i A? I heard that if you cant provide proof, these accounts must be deleted. Equifax is governed by 15 U.S.C. Sec. 1681i A. You have violated my rights numerous times. According to 15 U.S.C. Sec. 1681i A : I have the right to privacy, I havent not given XXXX written permission to furnish these accounts. So, could you please check on these and get back with me? I saw on the Virginia Attorney General XXXX XXXX Website Board that you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.

Hard Inquiry A ). XXXX XXXX XXXX
Consumer complaint received 2023-04-15
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. (SC)

They took more than 30 days to investigate my case they must remove any items in questions according to the FCRA. YOU MUST DELETE THE XXXX {$21.00} ACCOUNT IMMEDIATELY!!!
Consumer complaint received 2021-07-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK (CA)

I had a charge with Discover card which Discover card kept repeating charge a $ XXXX fees every month even it is not 30 days grace period billing cycle just like other credit cards that I have plus very high interest rate that i requested them to reduce but they denied. Discover Card has been abused my credit profile and trying to make money on me by keep adding late fees even they had called me on the phone and agreed and accepted the last payment {$200.00} even the balance around {$400.00} and they did not keep the agreement not to charge me the late fees meanwhile after the payment discover charged again late fees {$40.00} which they have been abused to make money on me and they had challenged me to get help from FTC or anyone else.
Consumer complaint received 2023-03-27
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : {$7900.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX, CA XXXX ; XX/XX/XXXX .
Consumer complaint received 2023-09-29
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc. (KY)

I got a email from Cash App civil process stating that they had hey get a request for them to put a hold on my account I had called the department of Tennessee revenue service this morning XX/XX/XXXX  at at XXXX XXXX  and they proceeded to tell me that they had since they release in the middle of this month for them to take a hold off my account, and they still havent done so they said my account has been suspended due to a suspicious activity there was no suspicious activity. They took my {$98.00} and I havent heard nothing from them since they keep saying that theyre going to send someone to talk to me I get someone to reach out to me and nothing
Consumer complaint received 2023-09-29
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: EQUIFAX, INC. (GA)

I CALLED ALL 3 credit bureaus and spoke to them about the fraudulent inquires on my credit report. the all said to contact the companies and the companies said to contact the credit bureaus. I've been getting the run around. I told them i filed an identity theft report with the government as well. here are the fraudulent inquires for each bureau. EQUIFAX 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 2021-02-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (MO)

On XX/XX/2021 my taxes was split between my two companies I work with credit karma and XXXX XXXX with XXXX XXXX everything went fine with credit karma who i have worked with over 3 years put a temporary hold on my account holding up XXXX when call they say nothing is wrong can use card so went to try use got denied called again again told was fine but would escalate to proper dept. went to XXXX used atm it confirmed XXXX in account but was again denied a XXXX withdraw this company keeps giving me the run around and there are many having the same issue please help get them to release are money i even asked if could be sent to another account they said only i can do that know it wont let me in account
Consumer complaint received 2021-02-19
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: CITIBANK, N.A. (MA)

On my credit reports there is a closed account with huge amount of missed payments. XXXX/DSNB ( Date opened XX/XX/2016 ) Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA XXXX/DSNB has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2021-02-19
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: DISCOVER BANK (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the XXXX and Discover Financial. The Account Opened is Discover Financial Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$36000.00}. The Account Opened is Discover Financial Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}. The Account Opened is Discover Financial Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2015-05-12
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Prospect Financial Group, Inc (CA)

Prospect Financial Group , Inc. in XXXX XXXX, CA is an unprofessional lending group. What should have been a quick and simple refinance it turned into dealing with a company that made false promises and them dragging out the process that never went any where. They did not provide me with my good faith estimate within XXXX business days once I provided my application. On day XXXX, I still did not have my GFE. This company is out of compliance with HUD.
Consumer complaint received 2023-09-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC. (CA)

I called in to have the account fees reversed and account closed. The first representative I spoke w/ seemed to understand the request, which I believe was completed but no written confirmation was received. I then asked her a question about my XX/XX/2023 statement. She stumbled over a few words, then the line went silent but remained connected. So, I called back to restart the entire process over again and this time, reached someone else who seemed to be working overseas and not entirely fluent in English. Same process. He confirmed that the fees would be refunded and account closed ( please double check ). I then asked him a question on my XX/XX/2023 statement : transfers from investments reflects {$9300.00}, and assuming they were transferred out of investments and into the XXXX XXXX, if {$6000.00} was withdrawn YTD, where is the remaining {$3300.00}? Or, how do the figures in this YTD table read? I've had to call twice, spending 32 minutes on the phone now, and nobody is able to answer. 

1. Please reverse the fees and close the account.

2. Please address my question
Consumer complaint received 2023-09-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (VA)

The issue is with CashApp investment department. On XXXX XXXX Cashapps systems malfunctioned due to an unknown issue, after this occurred my account had changes to it. At first I noticed that the average on a stock I own had been inflated. From around XXXX $ a share to exactly {$100.00} a share for the average. I investigated further and it appears that my total invested amount was increased a XXXX XXXXXXXX dollars from what I actually had invested. This mysterious increase has made it impossible to achieve gains in green. They continue to tell me its a display error but when I click to realize my current gains, it shows me I will receive a significant amount lower than what I actuality should receive. If I decide to get out of this particular stock this would put me at an extreme loss of money. Ive contacted their department for the last 22 days with no resolution. Customer service has been terrible to deal with and at times flat out rude to me about the situation. Even suggesting I realize the gains while its showing the error. I have contacted FINRA but service has been slow. Every day that goes by I miss opportunities for my investment or to make decisions regarding my investments. Please help me! If your company cant help me with this please point me in the right direction. Thank you for your time.
Consumer complaint received 2023-04-12
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. (PA)

My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be investigated and updated as soon as possible. I have not nor authorized the receipt or distribution of any goods and/ or materials under my name. I wish to dispute these fraudulent accounts under the provisions of the law and am requesting an updated copy of my report and all pertinent information regarding this matter. 

The fraudulent accounts are as follows : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-12
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. (TX)

Hello, Please review and process the attached identity theft document regarding XXXX XXXX XXXX XXXX from my understanding, this account should be removed from my credit report within 4 days. 

Also, I've request to have unauthorized inquires removed from my credit report as well. ( attached to identity theft report ) Lastly, regarding XXXX ( XXXX ), TransUnion - could you please update my credit limit to {$6000.00}, as its showing incorrectly on your platform- I've reached out twice to get this updated and you've requested that I contact the company, which I've done so and this still have not been updated. Please get this updated as this is affecting my credit report and score.
Consumer complaint received 2023-04-12
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. (NJ)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2021-02-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (IL)

i have a paypal account and I've been a customer for several years now IM having some major issues with this service paypal. my account was limited and restricted back in XXXX of XXXX and i was told that i cant be given any information about the limitation or restriction. i was then told i have to read the policy in which states i will be able to withdrawal my funds after 180 days I've been in contact with PayPal over 20 different times regarding this issue since then. i spoke with PayPal XXXX of XXXX and was told that the date that i can access my funds is XXXX XXXX XXXX. When that day came i was still restricted and my account was still limited where i couldn't retrieve my funds that i was told I could receive. i spoke with XXXX a customer service representative and was told that i would receive a special email from the back office team that i would have to attach a bank account in order to extract my funds. I spoke with XXXX and she created a ticket in which the back office was suppose to fix the issue reference ID XXXX when i called again to check the status of the correction that was supposed to be made i was then told by XXXX employee id XXXX that there was an additional restriction added to a restricted and limited account which makes no sense .I tried to reach several supervisors and none could help me or give me information regarding my account i was promised that my account would be okay to withdrawal my funds once the email was sent no email was sent and I've been calling everyday to fix this issue to receive my money can you all please reach out to this company and resolve this issue thank you its not allowing me to make any transactions or add my bank account to receive my funds
Consumer complaint received 2021-02-18
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. (TX)

On XX/XX/XXXX I received notification that a dispute I sent for two accounts that were previously removed in XXXX of XXXX due to identity theft were researched and now verified stating that they now all of a sudden belong to me. I have not once received any information on how the accounts were researched and what information could possibly be used to identify a fraudulent account. How is it possible for your company to complete an investigation and determine that my claim was valid before and and now months later your stance has changed. I have provided all required documents such as a valid police report identifying the accounts as well as the account numbers and the FTC report identifying that the two acconts you have listed were a result of theft, my valid ID and SS Card.
Consumer complaint received 2023-04-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: M&T BANK CORPORATION (NY)

On XX/XX/2023, I submitted the requisite documentation request for an extension of my Simple Interest Installment Loan. The request was made due to my recent diagnosis with XXXX and a XXXX disorder. I had previously been informed of my eligibility for the extension, but subsequent communication with a customer service representative was not favorable. The representative 's behavior was unprofessional, and I strongly advise that the company consider improving their training. After the unsatisfactory interaction, I was informed that I needed to submit a form to process my request. Accordingly, I completed and submitted the form on XX/XX/2023, providing all necessary information. I was issued a confirmation number ( XXXX ), which indicated that my form had been received and was under review. I was advised that I would be notified of the status within the next three business days. 

I would like to point out that I submitted a promise to pay as well since I was behind on my payments due to the aforementioned circumstances. The cost of my XXXX medication has increased significantly, and it is the only medication that works for me. Despite my best efforts to stay current with my payments and cooperate with the company, I have not received any timely communication from them. I have made several attempts to reach out to them, but to no avail. Given the misinformation I received earlier and my proactive efforts to resolve the issue, I am requesting that my request for an extension be approved promptly.
Consumer complaint received 2023-04-15
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. (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 15 USC 1681 XXXX XXXX XXXX account # XXXXXXXX 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 2023-04-15
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. (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 15 USC 1681 XXXX XXXX XXXX  account # 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 2023-04-15
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. (CA)

I've been sending letters to XXXX, Equifax, and XXXX in regard to items on my credit that are unverifiable. Also, most items do not match from 1 bureau to the other, stating missing information or information that does not match at all.