davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (NY)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX New York XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-11-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (SC)

My identity was compromised in XX/XX/XXXX and my banking information along with my SS # were stolen and subsequently used in three Truist banks in NC XXXX XXXX, XXXX and XXXX ). Four total transactions were completed totaling {$30000.00}. 
Two of the four transactions took place at the XXXX location with in few hours of each other. ( I am amazed that this didn't trigger a question or two from the banker ) One in XXXX and the last in XXXX NC. 
All transactions were targeting my equity line of credit. Two transactions were funneled through my checking account and the other two were direct withdrawals from my equity line. Truist did replenish the funds that were funneled through my checking account ( {$14000.00} ) within 24 hours of my complaint. However, the direct WDs from the equity line have not been resolved ( {$17000.00} ) includes one missed payment and interest. Apparently the direct WDs from the equity line require a different fraud complaint along with an affidavit. My local branch VP helped me complete the required documents and forwarded to the correct division within Truist on XX/XX/XXXX. 
Unfortunately, as of XX/XX/XXXX, Truist ( Equity Line Division ) has not confirm the acceptance of my Fraud complaint nor have they responded to my local branch when my equity account will be corrected. This has been the worst case of negligence involving a serious customer issue that I have ever experienced. I have received more information from the police detectives in each of the cities than Truist has offered. I have a right to know and I need your help to get the information I deserve. 
Best Regards
Consumer complaint received 2024-07-05
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Carter-Young, Inc. (NC)

I moved out of " XXXX XXXX XXXX XXXX '' in XXXX of 2023, they never notified my guarantor of move out charges against me. Their description of the charges was vague and the pictures they provided as proof were so low quality that you could barely see what was in the pictures at all. My father ( the guarantor ) and I have filed a complaint with the NC DOJ against " XXXX XXXX XXXX XXXXXXXX '' due to predatory practices which are well documented from other former residents in their reviews. My father nor I are able to be accepted into apartments now due to these charges. We need this " collections '' mark on my credit to be removed.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EMBRACE HOME LOANS (MO)

CONTACTED XXXX XXXX XXXX THIS MORNING, REQUESTING THE ORIGINAL PURCHASE AGREEMENT FROM THE ORIGINAL CREDITOR XXXX XXXX XXXX WAS TOLD BY A XXXX THAT THIS INFORMATION IS IMPOSSIBLE TO GET AND THEY ALREADY VERFIED THE DEBT AND THAT NO COLLECTION AGENCY WOULD/COULD FURNISH THE INORMATION THE ORIGINAL PURCHASE AGREEMENT BETWEEN THE XXXX AND THE XXXX XXXX I ADVISED THE XXXX XXXX DEBT BUYING AGENT - THAT VALIDATION OF DEBT ( INFORMATION ABOUT THE DEBT ) AND THE ORIGINAL PURCHASE AGREEMENT ARE XXXX SEPARATE THINGS. THE REP BY THE NAME OF XXXX ALSO STATED THIS NEGATIVE REPORTING WILL STAY ON MY CONSUMER REPORT FOR UPTO XXXX  YEARS. THE INFORMATION BEING REPORTED IS INACCURATE AND ERRONEOUS. XXXX XXXX MY CREDIT PROFILE AND THIS INFORMATION IS HARMFUL AND HURTFULTO MY CREDIT REPUTATION.
Consumer complaint received 2024-07-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (CA)

We have been having issues with Citi Credit since XX/XX/year>. 

Our final request for credit of {$74.00} is still pending. 

Our last statement indicated the amount has been refunded but we are NOT in receipt of refund. 
This is the SECOND refund sent not received. 

Please have Citi show proof the check has been cashed by us. 

Thank you kindly for your assistance! 

XXXX and XXXX XXXX
Consumer complaint received 2024-07-02
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

On XX/XX/XXXX I opened my credit card, XXXX XXXX  through capital one. There was a promotion to receive XXXX amount of miles when you spend XXXX  amount of dollar within the first 3 months. Although I was able to complete this, I never received my reward. The first phone call I made to customer service was just after the promotional time limit, the agent informed me I should see my rewards within 2 weeks. It is now XXXX and I still have not received any additional miles from the promotion. I called again today and the representative told me she is aware of the promotion but I did not qualify and claims although I qualified for the card my credit score was too low to qualify for the promotion. I believe this is false advertising and predatory.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (NY)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX Date of Birth : Date of Birth : XX/XX/XX/XX/XXXXSocial Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX New York XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-05
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Blackhawk Network Holdings Inc. (HI)

A prepaid credit card was issued by XXXX XXXX as an incentive back in XXXX. The card had a XXXX expiration, which I was not able to use. I called the credit card info center : XXXX ( XXXX ) to ask for a new card. The card issuer is XXXX. They told me that the account already has a XXXX balance and they can not issue another card. 

XXXX expired XX/XX/year> Amount : {$300.00}
Consumer complaint received 2024-07-02
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (CO)

I called Jefferson capital ask them for all contracts that was sign I ask them if car was sold at Market value not a Auction I need the Information for that lady told me it was sent I told her I never received anything from yall I told her I did not Authorize the sale and use of my Personal Information my Social data of birth did not give them right to us it the woman did not want to send me all the documents I asked for JEFFERSON CAPITAL SY XXXX Still on my credit report after that said they will delete
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

Hey, my name is " XXXX XXXX XXXX '', I have noticed that I have had collections, inquires, and late payments on my consumer report that does not belong to me. It has impacted me deeply and has hurtled me. The consumer report agencies have validated the consumer laws that was passed by congress. 15 U.S Code 1681. Meaning that they never received my consent on a hardcopy. Giving them permission to furnish on my consumer report. 15 U.S Code 1681 C-2 " blockage of information ''. This consumer law gives me the authority to tell the information that I wish to be requested to be deleted on my consumer report. And it must happen within 4 business days. Due to me filing my FCT Report. This law states that if you file a police report through the FCT, it must be removed.
Consumer complaint received 2018-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I reached out to transunion and XXXX in regards to the unauthorized inquiries on my account. In the last month i have accumulated 64 hard inquiries on my transunion and 34 on my XXXX, someone is trying to get credit in my name and they are running it multiples of times and I am not happy about it at all.It is looking like im begging for credit and is looking BAD on my credit. I have a cash car, no need for me to be searching for credit. My car is a XXXX and very reliable, they even tried to get credit from my job which i can NOT do. 
Transunion has allowed the following to run my credit without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 7x XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2x XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As for XXXX  they allowed the following to run my credit without my permission : XXXX XXXX XXXX 2x XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3x XXXX XXXX XXXX XXXX XXXX XXXX 3X XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

I conducted XXXX separate transactions with the same seller through my account. In each instance, the seller provided a single tracking number indicating delivery to an incorrect shipping address in XXXX, New York, despite me providing the correct address on the transactions detail page for XXXX XXXX, New York. PayPal denied all XXXX cases solely on the basis that a tracking number was provided by the seller. There was no thorough investigation conducted by PayPal, as evidenced by their failure to recognize that the package was not delivered to the specified address on the transactions detail page. 

The case IDs associated with these transactions are XXXX XXXX XXXX, XXXX, and XXXX XXXX Upon denial, I escalated the matter to the XXXX XXXX XXXX XXXX XXXX  ) for further review. On XX/XX/XXXX, I was contacted by PayPal 's executive team, who explained their decision to deny my cases. They justified the denial by stating that although the seller did not ship the package to the correct address, it was delivered to XXXX of the addresses listed on my PayPal account, which they deemed sufficient. 

This rationale contradicts PayPal 's own terms and conditions, which specify that sellers must ship items to the address provided in the transaction details for seller protection eligibility. Additionally, PayPal requires proof of delivery to match the recipient 's address details, including at least city/state or zip/postal code. The tracking number provided by the seller does not align with these requirements, as it confirms delivery to an incorrect location in XXXX, XXXX XXXX ( zip codes XXXX or XXXX ), rather than the correct address of XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. 

Despite these discrepancies, PayPal issued a warning implying potential limitations on my account due to my ongoing dispute with the seller. I find this treatment unjust, as I am unfairly held responsible for the seller 's failure to deliver to the correct address. Rather than assisting in resolving the issue, PayPal has suggested that I absorb the loss. 

I want PayPal to understand that I will persist in seeking a fair resolution to this matter. Should this not be achieved through PayPal 's processes, my final recourse will be to initiate a chargeback with my bank on the grounds of non-receipt of the parcel. According to PayPal 's own terms and conditions, the shipment should have been directed to the address specified in the transaction details, and the failure to do so entitles me to buyer protection.
Consumer complaint received 2024-05-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I've consistently made sure payments are on time for this account, never letting them become overdue. I'm uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be corrected.
Consumer complaint received 2024-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FISERV INC. (WV)

Something has happened to Money Networks entire system customers have not been able to access their online accounts by website or mobile app going on 3 weeks now when asked if their system suffered a Cyber attack agents would not comment furthermore agents could not provide even a time frame when either of these will be fixed. Since I can not access my account online I am losing out daily on deposits I would otherwise be able to accept from their wages now service I am on a fixed income and this service gets me from paycheck to paycheck I rely on the fact I can accept daily deposits from working. Lastly I can not correctly balance my account when my only option is to call in to an automated service that only gives me my five last transactions. They don't even seem to care they're disrupting my everyday finances with something as simple as having the gas money to get to work!
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Atlanticus Services Corporation (MD)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful mis-statements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I demand you to delete fraudulent account now.
Consumer complaint received 2024-07-02
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Cannot graduate, receive diploma, or get transcript due to money owed
Company: Williams & Fudge, Inc (NH)

I requested my transcripts on XX/XX/2024 in order to pursue my XXXX degree in XX/XX/XXXX. That is when I was told that my transcripts were being held due to a financial hold. I was unaware of this hold so I emailed the bursars office as instructed. The email stated that I needed to contact the collections agency XXXXXX/XX/XXXXXXXX to pay the {$11000.00} balance. I do not recall ever being told about having a balance on my account. My parents recommended I go through this site due to a new law that has passed about withholding transcripts.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I have been going back and forth with Experian for a couple of months now as of XX/XX/XXXX in regards to a lease through XXXX XXXX that was a total loss. 

The agreement was paid on time as expected until XXXX XXXX when the insurance settlement deemed it a total loss early termination. 

I disputed I had a balance on this account still in XX/XX/XXXX. Experian 's resolution was to remove the balance owed and in turn mark my credit report with a 30 and 60 day late payment history. 

My score dropped from XXXX to XXXX immediately as a result. I have been back and forth with Experian numerous times and continue to be told I have no late payments and yet this still shows. 

I have been on with XXXX XXXX numerous times to confirm it was coded correctly as well. 

I have filed countless disputes and still no resolution. 

The latest was an email today they sent me stating " Your summary links late payments and derogatory indicators, negative remark, together so you know there isderogatory information reported on your credit report. 

Because it is not showing an actual late payment, it is referring to derogatory indicator on your report.Please contact the Experian Disputes Center at ( XXXX ) XXXX at your earliest convenience to request a hard copy of your report to locate and confirm the derogatory information. '' I do not know what else to do.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I recently received a copy of my ( Experian, XXXX or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ENDING IN XXXX Your company is clearly in violation of the law. 

Under 15 U.S. Code 1681a Definition ; rules of construction 15 U.S. Code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of Information to provide accurate Information Prohibition ( A ) Reporting Information with actual knowledge of errors, THE LAW CLEARLY STATES IN 15 U.S. C 1681a 2 ( A ) ( i ) ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 

( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Please change the above late payments to paid as agreed on my consumer report ; this agency is in violation of 15 USC Failure to respond satisfactorily with changes of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collectors Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2024-07-06
Product: Credit 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: BARCLAYS BANK DELAWARE (GA)

In XXXX I applied for a XXXX XXXX XXXXXXXX XXXX because I intended to travel more on this cruiseline. I never received a response from the associated bank with this card. 

In XX/XX/XXXX I received formal letter from Barclays bank asking me if I still wanted this credit card ( that I appied for in XXXX )? If so, please call them which I did and they asked me to temporarily unfreeze my credit so they could verify the information they were seeking. I did that and while I was on the phone with Barclay representative I was told my card had been approved and it would be coming to me. It showed up in the mail some days later. I activated the card and had it on my desk to use for an upcoming cruise In XXXX, XXXX. 

I have several letters to support what I write below. On XX/XX/XXXX an unauthorized {$1000.00} balance transfer was initiated by Barclay from a long-held XXXX XXXX XXXXXXXX XXXX XXXX ) credit card of mine. {$1000.00} flowed to the Barclay Visa and Barclay also charged me a {$50.00} fee. 
I DID NOT AUTHORIZE THIS transfer and don't know how it happened.

A few days later I checked my credit cards and was surprised to see the transfer to the Barclay Visa. I contacted Barclay was immediately transferred to the Fraud department. I was told it was suspicious that a credit card I applied for in XXXX had triggered a letter to me in XXXX. The same day they shut down the account number and ordered a new card number and reissue of the card. Barclay agreed to return the {$1000.00} to XXXX. They documented all of this in a letter to me dated XX/XX/XXXX. 

In the mean time I contacted XXXX and according the representative I spoke with they could not validate how the request for a bank transfer occurred. In a letter they sent to me on XX/XX/XXXX it appears as if the transfer then the return of the funds to the XXXX account happened all on the same day, XX/XX/XXXX. 

My complaint is : {$1000.00} was returned to my XXXX  account minus the balance I had for the XXXX Visa leaving me a balance of {$0.00}. 

Barclay 's bank agreed in early XXXX to return the {$1000.00} as well as the {$50.00} balance transfer fee they charged me. I spent quite a bit of time talking with the Fraud area of Barclays. 

Later in XXXX, BARCLAY 's REVERSED their decision and charged my account with a {$1000.00} that they want me to pay. I DON'T WANT TO PAY for SOMETHING I DIDN'T AUTHORIZE. 

I have some paperwork from both banks and I find it to be very ambiguous. 

I have letters from both banks and look forward to clarifying this issue. Regards, XXXX XXXX