davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-21
Product: Credit 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: BARCLAYS BANK DELAWARE (WI)

On or about XX/XX/XXXX a number of unauthorized/fraudulent charges were made to my Barclay 's Frontier Mastercard credit card. I was made aware of this via email notifications received from Barclays, which allowed the first three or four charges ( some TV or wifi service ) before realizing the continuing ( several more ) charges were fraudulent. I immediately froze the account, then canceled all together within the next few hours. I also requested of Barclays that it remove the fraudulent charges charged to my account and that a replacement/new credit card be sent to me at my new/retirement address in the XXXX. Barclays assured me these things would be done, yet two months later nothing has happened. Multiple international follow up phone calls have resulted in no progress for either removing the {$79.00} in fraudulent charges accepted by Barclays or regarding receipt of a replacement card.
Consumer complaint received 2023-12-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

I received a text from XXXX saying it was Chase Fraud. It showed two " transactions '' and asked if I authorized them. I said No. Then I got a text asking if I authorized a wire transfer for XXXX. I said no. Then it said a fraud specialist would be contacting me shortly. I received a call and was cynical so they told me to XXXX the number which does come up with " Chase ''. The number is XXXX. 

The person on the other line was very convincing and told me they would help me undo the wire. They sent me text with the following : Case Fraud : Thank you. Your wire transfer of {$19000.00} will be released in the next XXXX minutes, TO PREVENT CANCELLATION OR ERROR PLEASE DO NOT RESUBMIT AGAIN. This is where the scammer had me convinced that if I resubmit it will cancel the existing wire transfer. They made me stay on the line for XXXX minutes. I started to understand that this person was a scammer when they were asking to get into the settings on my phone. And the wire was not being reversed on my account. The wire had a memo with a police report of XXXX allegedly in XXXX, FL. I had my husband get on the line and the scammer hung up. 

I immediately called Chase bank FRAUD department. They had in the meantime sent me an email to ask if I initiated the wire. When I spoke to the rep in FRAUD ( at their number XXXX ) he assured me the wire would not go through. Since I had never done wire before it was flagged and they blocked it while we were on the phone. Today XX/XX/2023 the money is out of my account. So I called the claims department only to learn that there was XXXX wires initiated on XX/XX/2023 and that CHASE did in fact let one wire go through. Why did they let another go through? And they claim it was the first wire that was initiated. They refuse to reverse the funds even though I called and they said they stopped the wire transfer. They refused to escalate to management immediately. I am told to wait for a call and that they will investigate and " TRY '' to recover the money. 

They claim that although they protect my money, this is a mutually responsibility. I trusted CHASE to protect me when we called the FRAUD center and they said we were ok and that no money would be paid out. This is all on a recorded line. They can go back to XX/XX/2023 at XXXXXXXX XXXX to listen to the call!
Consumer complaint received 2023-08-04
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. (FL)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion 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 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 2024-04-26
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. (AZ)

I am writing to follow up on the negative items that I have been disputing with your department for some time now. Despite previous communications, I have yet to receive a satisfactory resolution to my dispute.
Consumer complaint received 2024-04-28
Product: Credit reporting 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)

Dear XXXX XXXX XXXX, I am writing to request that my personal information not be shared with third-party non-affiliated companies, as permitted by 15 USC 6802 and 16 CFR 313.7 As A Federal Protected Consumer to Exercise My Consumer Rights. 

As a consumer, I value my privacy and wish to exercise my right to opt-out of the sharing of my personal information for marketing purposes with companies that are not affiliated with your institution. 

Please consider this letter as my formal request to opt-out of any such sharing of my personal information with third-party non-affiliated companies immediately and indefinitely. 

I understand that you are required to comply with this opt-out request promptly upon receipt, and I expect confirmation of this action in writing. 

Please be advised that this opt-out request is not to be construed as a revocation of any consent previously provided under other applicable laws or regulations. 

If you have any questions or require further information, please do not hesitate to contact me at the email address provided or phone number Associated with CFPB. 

Both Credit reports have been uploaded showing inaccurate information. Also a Third party collection agency copy has been uploaded. My private and personal information have been violated by XXXX according to FCRA 15 USC 1681.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I wrote Experian a dispute lettter and they are refusing to re investigate the disputed information. They were provided with the proper proof of Identity, so there was no cause to send me an email asking to verify myself again. Experian is refusing to abide by the law. Below is the attached email stating their frivolous stall tactics. I hereby am putting them on notice to arbitrate if they do not resolve my dispute. They are 2 abide by metro 2 compliance which they are not even abiding by. This is illegal and against the law to refuse to re investigate my dispute. They have 5 days to remove the information off of my report. I have the right to hire a 3rd party if choose to. There is no law stating I can not hire a 3rd party or lawyer to repair my credit. Your letter is a stall tactic and its computer generated and you are breaking the law by refusing to investigate my disputed information.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XX/XX/XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2023-11-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I am not liable for this debt with XXXX XXXX. I do not have a contract with Portfolio Recovery Associates. Portfolio Recovery Associates is furnishing inaccurate and incorrect information to the consumer reporting agencies. 

XXXX XXXX : Account # XXXX ( Balance : {$2600.00} ) XXXX XXXXXXXX : Account # XXXX ( Balance : {$2900.00} ) These XXXX accounts show the same account number and open date of XX/XX/. Not only are they not my accounts. It appears to be reported twice. 

15 U.S. Code 1681 s2 states 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. 

The account information they are showing on XXXX, XXXX, and XXXX all have discrepancies. Both XXXX and XXXX are reporting this as an Open Account. They are all showing different information. I have attached screenshots of the inaccuracies showing on my reports. 

I have already disputed these accounts with them and they have failed to provide me with the original contracts, statements, or proof of ownership of the debt that I requested. 

They are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of Law 15 USC 1681 s-2 of their responsibilities as a furnisher of information.

They have caused me and my family severe harm due to their negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account ( s ) from my Consumer Report.
Consumer complaint received 2015-08-25
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (VI)

On XXXX/XXXX/XXXX I made a payment on my Citi Card account ending in XXXX using my checking account ending in XXXX, which I have made in error because my payroll goes to my account ending in XXXX. 
XXXX I realized my mistake, so I made a payment for {$2000.00} using my checking account ending in XXXX and another payment on XXXX/XXXX/XXXX using my account ending in XXXX for $ XXXXXXXXAt this time, Citibank have attempted to process my payment on XXXX/XXXX/XXXX which made my bank ending in XXXX fine me a penalty of {$60.00}. 
Because I already made a payment as soon as I realized I made an error on XXXX/XXXX/XXXX, I did not contact Citi and I have been accessing my account and I did not receive any notification or warning of them closing my account for this reason. If I knew that they will closed my account for this reason, I should have transfer the money on XXXX/XXXX/XXXX and have them processed the payment that I made by mistake using my account ending in XXXX. 
XXXX I tried to use my Citicard ending in XXXX and it declined. 
I called Citi and I called to numerous representative and finally get through the Credit Dept Mngr who said he will send a request to reopen it and it will take about 7 business days. On XXXX/XXXX/XXXX I received a letter online saying my reopening request has been denied even if I have explained to them what happened and already made 2 payments after that for {$4300.00}. I have put all my available liquid assets/cash into paying my Citicards, now I do n't have any resources to pay my bills. Citicard did not call me to tell me that my payment did not go through on XXXX/XXXX/XXXX. We are also planning to buy a house on XXXX XXXX, so I have been paying off my Citicard every month. I have not paid interest to Citicard because I have been paying it off before my due date, to increase my credit score for my future mortgage loan. Also, they just increase my credit limit to {$8300.00} from {$6000.00} on XXXX XXXX. 
Our plans of buying a house in XXXX and my credit score will be affected by this action tremendously. How can they not re-open my account when I already made the payment, I do n't have any balance due when I made the payment in error and it is within 30days of my due date. 
Please help me to reach the Corporate office of Citi and sort this out. Please re-open my account being that I have been a good cardholder of CitiCards since XXXX. 
Thank you. 

XXXX XXXX XXXX
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2024-04-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2015-07-31
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VI)

After several years of unemployment and being delinquent on my Capitol One Credit card we agreed to settlement terms. I complied with my terms sending a check for XXXX dollars which they cashed. They reneged on their terms. After several unsuccessful attempts to reconciled, request my release and they refusing without receiving additional dollars I terminated all communication. They sold the disputed funds to a collection agency as an uncollected bad debt. After all these years my credit has been ruined and they still have debt collectors after me. the Lastest is XXXX.
Consumer complaint received 2016-01-11
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (VI)

The company refuses to send me a statement or at least give me access to my online account. They claim that since my account is " inactive '' ( meaning closed, i have n't used this credit card in years ) I am unable to view my information. I am STILL paying for this low-limit credit card from 2009 ( 28 % interest ) and I have a right to see what my balance and payment history is. They told me I just need to " call them '' any time I need to know something. Ive called twice and spoken to several people. They keep telling me that in order to help me they need my credit card number, however, I no longer HAVE the number because I no longer have the card.
Consumer complaint received 2024-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (TX)

I made a deposit of XXXX it was a check drawn off a XXXX bank I went to XXXX bank first they did not have the funds available there and would have to order. So thats when I took to the navy federal which is my bank and was told funds would be available Monday. I requested the reason and they just keep saying its there policy. Ok but the email said something was suspicious so what is it. Its not and verified funds and available. Will post information below.

Important Info About Your Deposit We're delaying {$9700.00} of your total deposit of {$10000.00} into your account ending in XXXX, received on XX/XX/2024. We've taken this precaution because we have reasonable cause to believe that the check is uncollectible from the paying bank based on confidential information that indicates that the check may not be paid. If the bank pays the check, you can expect to receive your funds within 5 business days of your deposit.

We understand this may be an inconvenience and are sorry for the delay. Please know, the security of your account is our top priority. 
If you have any questions, please call us toll-free anytime at XXXX. You can also send us a secure message through online banking at XXXX, or write to us at : Navy Federal Credit Union, XXXXXXXX XXXX XXXX, XXXX, VA XXXX
Consumer complaint received 2023-09-21
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: EQUIFAX, INC. (CT)

I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. 
I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.
Consumer complaint received 2023-08-04
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. (KS)

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX
Consumer complaint received 2024-04-26
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. (DC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-02-27
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I am writing to address a concerning matter regarding my credit report. Upon reviewing my recent credit report, I noticed that there is a late payment recorded on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am processing disputes on my credit profile to delete an remove all inaccurate information that is hurtingly credit file. this is illegal to process invalid an inaccurate data. this is my 2nd attempt to dispute the items. looking over all of my credit files none of the data posted matches all 3 files. please review an remove the requested items listed asap.
Consumer complaint received 2023-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I believe that these accounts were associated with a different person with the same name and address as mine and merged the file. Under FCRA, you are required to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 
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. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law
Consumer complaint received 2024-04-26
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. (CT)

I recently reviewed again my XXXX, Experian and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (TX)

I HAVE DISPUTED 3 LATE PAYMENTS WITH DISCOVER BANK. THESE PAYMENTS WERE ALL INITIATED BEFORE THE DUE DATES IN XXXX  AND XXXX BUT POSTED LATE DUE TO USPS DELAYS. DISCOVER BANK HAS FAILED TO CORRECT THE ERRORS AFTER MY DISPUTE. THE INCORRECT LATE PAYMENTS SHOULD BE REMOVED FROM MY CREDIT REPORT. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Karma (MN)

Recently, Credit Karma acquired the personal financial budgeting app/website XXXX. I and many XXXX users have spent XXXX years creating, monitoring, and adjusting our personal budgets on XXXX. When my XXXX account became part of Credit Karma, Credit Karma destroyed all of my budgets without a trace. These budgets were a vital part of my financial planning and represented many years of work product. Credit Karma never gave me an option to save or retrieve these budgets ; they simply and without any warning eliminated them. If you browse the reviews of the Credit Karma app, you will find many consumers with the same complaint.