davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-26
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

I submitted a dispute for them to verify my information. They never verified my information. They said they verified but I was never notified or mailed any info on how it was verified. They had updated the account. I do not know what they updated. 
I demanded to see Verifiable Proof ( This should be hard evidence that goes all the way back to the original creditor, not verification from a third-party database. ) They got a file of the account. There failure to positively verify that account has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove it!
Consumer complaint received 2022-06-26
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. (NY)

Hello, Thank you for the improvements! But I still have a damaged score because of the items that do not belong to me. I have never had anything with these companies and received bunch of inquires and collection. Tried to solve it by myself but I failed. Nobody wants to help me from those companies. Please remove these items from my report. Thank you!
Consumer complaint received 2022-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NY)

I applied for a Citi XXXX XXXXXXXX XXXX card to get a promotion on XXXX to spend {$2500.00} and get XXXX points. I never received my card, and when I realized that I called to ask about it on XX/XX/XXXX. The promotion had expired, so I asked if they could extend and if not to just cancel the account. The customer service rep ensured me that were able to extend the offer and sent me a new card. I spent money on that card because I thought I had a promotion. I would not have spent or kept the card open if that wasn't the case. I called today ( XX/XX/27 ) to see where my promotion stood and was after being on hold for hours and the call dropping several times was told the promotion was never extended. The only reason I spent any money on that card was to get the promotion. I've since canceled and will never use Citi again. I wish they had just been honest with me and I would have canceled immediately and not used the card.
Consumer complaint received 2022-06-26
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX ( original creditor XXXX XXXX  ) Account # XXXX, XXXX XXXX XXXX IN ( original creditor XXXX XXXX XXXX XXXX Texas ) Account # XXXX, XXXX XXXX XXXX ( original creditor XXXX XXXX Bank ) Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Texas Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Bank ( hard inquiry ), XXXX XXXX ( hard inquiry ) 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 also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-06-26
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. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX XXXX Opened XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX Opened XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  Opened XX/XX/XXXX, XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX, XXXX Opened XXXX XXXX, XXXX XXXX XXXX XXXX Opened XX/XX/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
Consumer complaint received 2022-06-26
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. (NY)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXX XXXX Opened XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  Opened XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  Opened XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX  Opened XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Opened XX/XX/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
Consumer complaint received 2022-06-25
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. (CA)

in accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX, Account XXXX XXXX # XXXX, Account XXXX AND XXXX # XXXX Account US DEPT OF EDUCATION # 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
Consumer complaint received 2022-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

I recently challenged the validity of XXXX, XXXX account that is being reported on my most recent credit report. Upon this challenge, XXXX deleted the account based on lack of ability to properly verify all reported information being accurate. I noticed as a result of challenging this account with Equifax, the account was verified. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true, I am requesting information used to verify this account in writing. If such documents can not be produced, please delete the account listed above from my credit report immediately. 

I have personally contacted XXXX, XXXX many times over a 2-year period and have yet to receive any supporting documents.
Consumer complaint received 2022-06-25
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. (NC)

n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX XXXX I Account # XXXX, XXXX XXXX XXXX Account 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
Consumer complaint received 2022-06-26
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America XXXX XXXX is not giving me credit, for XXXX XXXX charges, made to my card, for the months of XX/XX/XXXX ( two charges of {$55.00}. each ), XX/XX/XXXX XXXX charges of {$55.00}. I convinced them that the XX/XX/XXXX charges should be given me. Each time my card was billed by XXXX, I called BOA, and asked the agent to file a dispute for me. In XXXX and XXXX- the agent said they would, but did not follow through. 

In XXXX, I tried to activate an XXXX XXXX, for XXXX XXXX service. I called the XXXX XXXX number on the card, and told the agent what I needed to do. She said I needed to sign up for auto pay, and I gave her my credit card details. I asked for the telephone number assigned to the device, and she said I had to call another XXXX number. I was never able to get thru to an agent, on the other XXXX number, because it wanted the phone number of the device I was calling about, before it would connect me thru to a person. 
Obviously, I did NOT have a phone number -- I was calling to get one. 

I call XXXX XXXX, and explained the problem. The charge was in pending status at that time, and the XXXX XXXX  agent said, that it wouldn't charge without a phone number, and would drop off. I was charged, twice in XX/XX/XXXX, and I called XXXX XXXX  then, and asked them to file a dispute over the charges. The agent said he would file a dispute - no dispute however was filed. 

I was charged again on XX/XX/XXXX, and called again, and asked that a dispute be filed, and I again explained the problem. No dispute was filed. In XX/XX/XXXX, XXXX again charged my card. I called XXXX XXXX and the agent ONLY filed a dispute for the XXXX charge. I am due {$220.00}. in credits, for XXXX 's eroneous charges. 

I filed a complaint against XXXX with FCC.gov. The FCC gave me ticket number XXXX. The entire problem was also documented to the FCC. 

I want BOA XXXX XXXX, to refund me the full {$220.00}. which I am due. I complained at each XXXX billing. And their agent refused to file a dispute, except for the agent I contacted on XX/XX/XXXX. 

DETAILS of CHARGES : XX/XX/XXXX - 2 charges by XXXX XXXX -- {$55.00} charges -- reference number XXXX and XXXX. 
XX/XX/XXXX charge by XXXX of {$55.00}. reference number XXXX XXXX XXXX XXXX charge {$55.00}, did receive credit for this one of {$55.00}.
Consumer complaint received 2022-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

In Accordance with the fair Credit Reporting act XXXX  account XXXX XXXX XXXX XXXX account number XXXX, has violated my rights.

In Accordance with the fair Credit Reporting act XXXX  account XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the fair Credit Reporting act XXXX account XXXX XXXX XXXX, has violated my rights. 

In Accordance with the fair Credit Reporting act XXXX accountXXXX XXXX XXXX, has violated my rights. 

In Accordance with the fair Credit Reporting act XXXX  account emergency XXXX XXXX, has violated my rights. 
In Accordance with the fair Credit Reporting act XXXX  account XXXX XXXX XXXXXXXX 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 connot furnish a account without my written instructions.
Consumer complaint received 2022-06-26
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: CAPITAL ONE FINANCIAL CORPORATION (WA)

I was the victim of fraudulent charge activities on my Capital One VISA card and am disputing those charges to my account. This began on XX/XX/XXXX and I contacted Capital One that day. They removed the charges, froze my card, and issued me a new card. I thought all was good at that point.

However, additional charges came in on XX/XX/XXXX and were placed on that new card number I had not even received yet. When I contacted Capital One again on XX/XX/XXXX, they seemed to be considering these disputes of transaction I made instead of fraudulent transactions made by someone else. They sent them to Disputes who later rejected my dispute. I formally challenged this dispute resolution on XX/XX/XXXX via FAX, but I never heard back from them On XX/XX/XXXX there was another fraudulent transaction to XXXX XXXX. Again, I called Capital One and they asked me to call the vendor to get the charge removed. That is impossible because I don't know who did it, what address they received service for, and they could not track the transaction by credit card number. 

On XXXX XXXX, I summarized this entire event to Capital One in writing to their postal address for billing errors. I still have not heard back from them.
Consumer complaint received 2022-06-26
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I submitted a dispute for them to verify my information. They never verified my information. They said they verified but I was never notified or mailed any info on how it was verified. They had updated the account. I do not know what they updated. 
I demanded to see Verifiable Proof ( This should be hard evidence that goes all the way back to the original creditor, not verification from a third-party database. ) They got a file of the account. There failure to positively verify that account has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove it!
Consumer complaint received 2022-06-26
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. (MI)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX for {$790.00}, XXXX # XXXX XXXX XXXXXXXX for {$1200.00}, XXXX # XXXX, XXXX has violated my rights. 15 U.S.C 1681 section A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-26
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. (VA)

in accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXX, Amount : $ XXXX XX/XX/20XXXX XXXX XXXX XXXXXXXX AMount : {$63.00} XXXXXXXX XXXX XXXX Amount : {$140.00} XXXXXXXX XXXX XXXXXXXX Amount : {$180.00} XXXXXXXX XXXX XXXXXXXX Amount : {$400.00} XXXXXXXX XXXX XXXXXXXX Amount : {$280.00} XXXXXXXX XXXX XXXXXXXX Amount : {$170.00} XXXX XXXX XXXXXXXX Amount : {$230.00} XXXXXXXX XXXX XXXXXXXX AMount : {$120.00} XX/XX/XXXX XXXX XXXXXXXX Amount : {$70.00} Date : XX/XX/XXXX XXXX XXXXXXXX Amount : {$280.00} XX/XX/XXXX XXXX XXXXXXXX Amount : {$270.00} XX/XX/XXXX XXXX XXXX Amount : {$320.00} XX/XX/2022
Consumer complaint received 2022-06-26
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: Experian Information Solutions Inc. (GA)

I tried applying for a car and the dealership mentioned only applying for XXXX XXXX XXXX. 

These companies listed were not authorized to be applied to : 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 2022-06-26
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (VA)

All XXXX XXXX XXXX cards information has been off line thru the Internet or Customer Service Associates for 5 days. They advised this could take weeks. A Company called XXXX is taking them over. In the meantime, I can not see my correct balance on any cards, or any transactions or credits. This is with XXXX XXXX, XXXX XXXX, XXXXI can not budget correctly without knowing my transaction history.
Consumer complaint received 2022-06-26
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. (FL)

in accordance with the Fair credit reporting act, XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602A, states i have the right to privacy.

15 U.S.C 1681 Section 604A Sec.2, states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Social Finance, Inc. (TX)

I opened a checking/savings account with XXXXXXXX XXXX XXXX XX/XX/XXXX. At time they stated that if I made direct deposits totaling {$5000.00} by XX/XX/XXXX I would receive a {$300.00} bonus. There were direct deposits from my employer on XX/XX/XXXX and XX/XX/XXXX totaling {$5000.00}. After contacting them they told me that the rules had changed. I had received a bonus in XXXX of XXXX. But on XX/XX/XXXX there was no mention that you cant receive a new bonus if you received a prior bonus. The new rules after XX/XX/XXXX was no second bonus. I called three times and got the same message. I asked a manager to contact me and they never did after promising to do so.
Consumer complaint received 2022-06-26
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. (MO)

SOME FRAUDULENT ACCOUNTS WERE ON MY CREDIT REPORT BUT INQUIRES NEVER GOT REMOVED. XXXX BANK XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XXXX XX/XX/XXXX US SM BUS ADMIN ODA
Consumer complaint received 2022-06-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

Paypal refuses to help or acknowledge me for an issue I have regarding an unfair limitation I was given. They will not respond to me and have completely ignored me. About 2 weeks ago my house was burglarized while I was staying with a family member and everything I owned was stolen including my personal information and electronics ( i.e. SSN, Birth Certificate, Taxes, Phones, etc. ) I came home in the early morning of XX/XX/XXXX when I discovered that my house was robbed. I quickly began canceling cards, closing bank accounts and anything related to online cashing, and changing all my personal information. I finally had gotten around to contacting paypal later that same morning. I had no phone at this point in time because it was also part of the stolen items so the only way I was able to get in contact with them was through an old laptop the burglars letf in my garage. The first thing I asked was if they could close my account immediately to stop any fraudulent activity on it if that hadn't already happened. The first response I got directed me to reset my password which I promptly did. After I realized he wouldn't be helping me any further I decided to close the account myself. When I tried to though it said I needed to contact support again, which I reluctantly did. I was asked to show pictures of what the problem was, so I asked to use my coworkers phone and sent pictures of what it said to the support agent. He then responded in a lengthy copy and paste message about breaking tos. After that I was completely ghosted and no one eould respond to me. When I called I was met with the same copy and paste paragraph. All I wanted was to close my account because it had been compromised and I didn't want any personal information left in the account. After doing some research I found that many people had gone through this same exact issue with PayPal unfairly limiting their accounts with no stated reasoning other than breaking tos which led me here. They have still refused contact with me even though I am owed some kind of knowledge of what happened. This is completely fraudulent and this is not the first time things like this has happened. Apparently many others had their accounts revoked to and their money taken out their own account for paypal to keep. In this case I'm not even asking for much from them just a support system which doesn't copy and paste their responses and gor them to close the account which criminals have access to which means they have my bank info cards and ssn still. This is the Reference ID : XXXX My email is XXXX XXXX
Consumer complaint received 2022-06-26
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. (NJ)

In accordance with the fair credit reporting act, everything has to be 100 % accurate on my credit report. 

I submitted a Complaint ( XXXX ), for Improper use of your report, account came back as verified by TRANSUNION. 
Account : XXXX XXXX XXXX Account # XXXX. 

The Credit bureaus stated my account had been properly investigated but how is this possible if the " date opened '', " date reported '', and " date of last activity '' is inaccurate. This ground for removal and they also violate 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

According to the FCRA 15 U.S.C. 1681 e ( b ) and 15 U.S.C. 1681 b ( a ) 2 i did not give any written instructions XXXXXXXX XXXX XXXX account number is XXXX ..... 

transunion states account balance is {$3500.00} XXXX  states balance is {$3500.00} transunion states balance is {$0.00} date opened transunion states XX/XX/2017 inaccurate XXXX states XX/XX/2017 XXXX  states XX/XX/2017