davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-16
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. (GA)

On XX/XX/2022 I sent in a dispute letter addressing the information that on the credit report. The agency sent me a letter in return stating the information was correct and in fact according to The Fair Credit Reporting Act Section 609 ( a ) ( 1 ) says they are require by FEDERAL LAW to verify, THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CONSUMER CONTRACT, ANY AND ALL ACCOUNTS THAT YOU POST ON A CREDIT REPORT. They have FAILED to mail me proof of the investigation or delete the negative information. 

I asked them be specify on how the item was verified. I went on to ask to Please do not provide me with the generic response on your e-Oscar procedure but the FACTS of how was. the item verified since there verification by law. 

I asked the agency to provide evidence of their authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
Consumer complaint received 2023-03-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (PA)

On XX/XX/2022 I did business with an individual that consisted of one transaction. I sent him XXXX  digital credits through a peer to peer trading service called XXXX and he paid for those credits by sending me XXXX USD via PayPal. The transaction concluded once myself and the individual had confirmed recept of funds. Months later, around mid to late XXXX that said individual filed a fraud claim with his financial Institution claiming it was an unauthorized transaction and he was not the one who sent those funds to me. Paypal then charged back my account making it XXXX once the final decision was made without ever notifying me that this was even taking place. I had no chance to defend myself or provide evidence that undoubtedly proves that the transaction was deliberate and authorized. I have records of the conversation, he followed the instructions given by XXXX such as labeling the paypal payment as a " gift ''. Dispite all of this, paypal refused to return my funds because I did not pay the protection fee. Regardless of a fee paypal is expected to handle funds with atleast some level of care. This was worse then reckless handling and negligence, they flat out aided an individual with comiting fraud and told me about it once it was finalized. I have been since harrased by paypal on a daily basis ( several times a day ) to pay my account balance to a positive state even though they are the reason for it. They have reported to credit that has hurt my score and even sent this to collections which I am currently disputing because that debt is not my debt, it is paypals. Lastly, when communicating with the fraud department in regards to why they did not think to ask me about the transaction before making their decision, they responded with " this case did not require your input ''. From what I understand, paypal believes this individual took two months to realize he was missing XXXX USD and reported it as fraud. I was apparently a random individual that just happen to receive his XXXX USD?
Consumer complaint received 2023-03-16
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: AMERICAN EXPRESS COMPANY (CA)

Yes I hope this message finds you in the best way you can be, God bless you.

I've recently opened a new account with American express on the date of XX/XX/XXXX, I moved in the mist of the cards getting to my old address. I therefore had a death In my family. Well I used my digital form that was sent to me and purchased XXXX dollars in items well after not receiving my new cards and my statement I called in to make a payment ask about my cards I was appalled buy the news I received from the agent first she said my balance was XXXX dollars. If that's not gut wrenching she then tells me my account is closed and in collections and that multiple deposits where returning on my account I became very concerned and made a fraudulent charges claim It was accepted my the globel fraud department at American express and was told under the FDIC I was coverd and I should receive new cards with a new account number I spent 5 hours clearing up all this and I was told to call back following day to get information about my new account my credit score was XXXX when I applied it has dramatically dropped to XXXX this ihas dramatically impacted my life my everyday ways of being able to provide for me and my family so I call in and I was now livid by the way I was told lie after misleading lies and more lies I have spent over 1 week trying to get my new cards and account information from every department from amex I have litterly soent over 4 hours every time I call being lied to being hung up on being told to call back and they have changed my account information and will not send me my new cards and will not provide me with my statement or information to make a payment for the charges I have made this is outrages and I can't let this fraud law breaking bank treat me as if Im not a paying American consumer this needs to be addressed how can they file a claim give me credit and then open a new account and put XXXX dollars on my statement and therefore not give me my account number or cards and say they cancelled my account because of collections this is concerning I have yet to receive my statement my cards and my credit is negatively been sabatoged please help and I know I have faith in you guys I appreciate your help and thank you in advance they must be reprimanded for not only breaking the laws of banking but fraud and scaming a customer
Consumer complaint received 2023-03-16
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. (NY)

Hello I am filing this complaint because the band XXXX XXXX XXXX that I was paying my monthly payment. I applied for and natural disaster forbearance because of the Covid pandemic. Unfortunetly the pandemic affected our house hold income because my wife lost her hair salon business because of the pandemic. We had no other choice but to apply for this help because income was affected. We eventually sold the home in XXXX of 2022 I informed XXXX XXXX XXXX of this. And they said ok no problem and not to worry. So we closed and XXXX XXXX XXXX was paid in full I even received a letter stating that. At no point in time did they say thye will report a late payment when they had no reason or right to do so. They did this after they received full payment without notifying us. And they knew that my spouse lost her business because of Covid. So this report of late payment has affected my score and my spouse score and now is making shopping for a new mortgage very difficult because the lower score we can only get bad interest rates. I have contacted the bank nuerous times and I just get the run around i had 2 supervisers tell me thye didnt report anything and then I have another superviser saying they did. Very rude and not caring at all. All I want is this late payment which shoulf not be there removed off my report and my spouse please. 
Thank you for your time XXXX XXXX
Consumer complaint received 2023-07-25
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: Experian Information Solutions Inc. (IL)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
( XXXX. XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX. XXXX XXXX - XX/XX/XXXX ) ( XXXX. XXXX XXXX - XX/XX/XXXX ) ( XXXX. XXXX XXXX - XX/XX/XXXX ) Has violated my rights ( Noted ) all of the above Accounts have been negatively closed. 
15 USC 1681 A. section 2 : states I have the right to privacy.

15 USC 1681, section 60 for a section 2 : it also states, a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report in 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 USC 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if The I can person knows, or has reasonable calls to believe that the information is in accurate.
Consumer complaint received 2023-03-16
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 voluntarily closed my XXXX account but it has failed to report my account as Closed By Consumer to every CRA, especially TransUnion. Moreover, I attach a XX/XX/2023 TransUnion screenshot of an account information change notice stating that Between XXXX. XXXX, XXXX  and XX/XX/2023, the account number was changed on this account. My account number was not changed. Please investigate and correct or delete the inaccurate account number change and the continued false reporting my closed account as open.
Consumer complaint received 2023-03-16
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. (MN)

In accordance with The Fair credit reporting act. The list of accounts below has violated by federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX XXXX. 
Account one XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Account two XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXXXXXX XXXX XXXX Opened XX/XX/XXXX Account three XXXX XXXX XXXX  XXXX Open XX/XX/XXXX Account f o u r XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Account five XXXX XXXX  Account number XXXX XXXX Open XX/XX/XXXX Account six XXXX XXXX Account number XXXXXXXX XXXX  Open XX/XX/XXXX Account 7 XXXX XXXX Account number XXXX XXXX Open XX/XX/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 account without my written instructions 15 you. S. C 1681 c. ( 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 attend dates the report by more than 7 years 15 u.s.c 1681 s-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 2023-03-16
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. (PA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX 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 federally protected rights. 

15 USC 1681 Section 604 A states- I have the right to Privacy.

15 USC 1681 Section 604 A Section 2 also states- A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B- A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 USC 1681a ( 2 ) ( i ) - Reporting containing information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2023-03-16
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: Experian Information Solutions Inc. (FL)

It has been YEARS now and nothing changed. All of these companies refuse to change dispute but advise one already opened. HaHa no kidding! When does the consumer get a fair shake. It's always the lender who is correct regardless of information provided, and it always takes longer than allowed but who cares! letter 's written, calls made, emails, CFPB. Complaints in my opinion all a fraud of great magnitude designed to keep people in financial bondage! Hey the record in writing evidently confirms it! Here is Experians reply to current report which has given us a low score and adverse action just yesterday! Killed by the other two XXXX and XXXX. 

Know your rights REALLY WHAT RIGHTS HAHA A Summary of Your Rights Under the Fair Credit Reporting Act The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies ( such as agencies that sell information about check writing histories, medical records, and rental history records ). Here is a summary of your major rights under the FCRA. For more information, including information about additional rights, go to www.consumerfinance.gov/learnmore or write to : Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, D.C. 20552. OPINION WHAT GOOD IS THIS? A WASTE OF TIME!!!! 
Submitted warning Disputes submission failed! 
XXXX XXXX Other reason Looks like you've already filed a dispute for this item Under Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act we won't process a duplicate dispute unless you provide new, relevant information. ] If you do have additional information, you can You can also contact us at ( XXXX ) XXXX or contact your data furnisher for more info on how to move forward. When do you correct the complaint!!!!! 

CREDIT UNION Other reason Looks like you've already filed a dispute for this item Under Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act we won't process a duplicate dispute unless you provide new, relevant information. ] If you do have additional information, you can You can also contact us at ( XXXX ) XXXX or contact your data furnisher for more info on how to move forward. 

CAR LOAN Other reason Looks like you've already filed a dispute for this item Under Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act we won't process a duplicate dispute unless you provide new, relevant information. ] If you do have additional information, you can You can also contact us at ( XXXX ) XXXX or contact your data furnisher for more info on how to move forward. ''
Consumer complaint received 2023-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (MO)

MILESTONE MASTERCARD I will LIST this Problem Description for an Easy Read : 1 ) Minimal Payment of {$40.00} Due On XX/XX/XXXX 2 ) Made Payment of {$200.00} On XX/XX/XXXX, at XXXX ( six days early ) 3 ) Payment Posted To My Milestone Account On XX/XX/XXXX, At XXXX 4 ) Payment was Posted To My Bank Account On XX/XX/XXXX 5 ) Payment Cleared Bank Account and Payment of {$200.00}. Verified As Received 6 ) Monthly Statement XX/XX/XXXX -My {$200.00} Payment Has Not Been Applied 7 ) Six Days My {$200.00} Payment Has Cleared Bank Account Balance Is $ XXXX 8 ) Day Seven - My Balance Is $ XXXX 9 ) Day Eight - My Balance Is $ XXXX XXXX ) Day Nine - My Balance Is NOW NEGATIVE $ XXXX! 
11 ) Day Ten - My Balance Still $ XXXX ( Call To Milestone - Will Clear On XXXX ) 12 ) Day Eleven - My Balance Is Still $ XXXX 13 ) Day Twelve - My Balance Is Still $ XXXX XXXX ) Day Thirteen - My Balance Is Still $ XXXX 15 ) Day Fourteen - Balance STILL $ XXXX DATE IS THE XXXX of XXXX! 

TAKING FIFTEEN DAYS TO PROCESS? THIS IS NOT MEETING THE DEFINITION OF " GOOD FAITH '' STANDARDS SET BY THE CONSUMERS FINANCIAL PROTECTION AGENCY! THIS IS UNACCEPTABLE!

If I had Known They Were Going To Take 15 Days To Process ( AND COUNTING ) ... Then I Could have Withheld {$35.00} And Bought My Prescriptions I HAVE BEEN WITHOUT XXXX FOR FIVE DAYS! 

They Told Me Funds Would Be " Released Tomorrow '' I Told Them I Needed My XXXX! They Spoke To A Supervisor! AND STILL REFUSED TO RELEASE MY LINE OF CREDIT >>> THAT! IS NOT FAIR PRACTICE OR GOOD FAITH THATS CALLED LEVERAGE! XXXX AND THAT IS NOT RIGHT! 

THIRTEEN DAYS SINCE THE PAYMENT WAS COMPLETELY POSTED AND FULLY CLEARED MY BANK ACCOUNT! - " CLEARED '' JUST CALLED THEM AGAIN STILL ON HOLD! I AM DISGUSTED - I NEED MY PRESCRIPTIONS!!! 
IF YOU PAY THEM FIVE DAYS EARLY AND PAY A THIRD OF WHAT YOU OWE AND GET TOLD IM SORRY FOR SIX PHONE CALLS
Consumer complaint received 2023-03-16
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. (IL)

Accounts has been fraudulent opened in my name without my consent, I have addressed this issue with the credit bureaus and I have not been able to successfully get them removed from my credit report as I've been in contact with them numerous of times. Further actions will bring suit if these accounts are not resolved and removed from my credit report. I have attached a copy of my police report and FTC identey theft report of the accounts that I am arguing. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (CA)

I feel that as a consumer I'm being treated unfairly by CITI bank, they lowered my credit card limit from {$3500.00} to XXXX for something negative on my XXXX  report as they stated. I got issue fixed and after calling them they cant seem to now reinstate by available limit and only want to hurt my consumer credit report y doing another hard inquiry that will damage my credit report. all I'm asking is to be treated fairly. Seems like ive been getting conflicting information from CITI.
Consumer complaint received 2023-03-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (FL)

The details of the transaction is provided below : MTCN : XXXX Case Number : XXXX Confirmation Number : XXXX Sevis ID : XXXX I made a payment for Sevis Fee through western union and the payment was not received by XXXX XXXX. XXXX told me that they never received the fund for the payment. They said they discovered that the MTCN XXXX payment with coupon number XXXX was never process by the western union agent. 

I have contacted both western union and XXXX concurrently and they do not give me any favorable response as to where my money is. I want a full refund of my {$350.00} plus a {$10.00} transaction fee that I paid.
Consumer complaint received 2023-04-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I accepted an online promotion from Bank of America Unlimited Business Cash Rewards for a {$300.00} statement credit after expending {$3000.00} in 3 months. After expending the {$3000.00} in less than 3 month, I never received the statement credit, now they said that the promotion was {$500.00} for {$5000.00} expended. I'm sure that I'm on the right because I took notes about it, just to remember by when I'm supposed to expend the {$3000.00}. I don't have any screen shots of the promotion, but there should be a record of the promotions that they are running at a particular time. I filled the online application on XX/XX/, I received the card and activated it on XX/XX/22.
Consumer complaint received 2023-03-16
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. (GA)

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 items 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 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 XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XX/XX/XXXX.