davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-19
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (CA)

Unbeknownst to me I had 2 Macy 's credit cards. I thought I only had one and I was paying the card off on time through the Macy 's website; but somehow, a second card got charged in my name and I had late fees ( of {$3.00} not very high ). I have never had a late fee or late payment on my Macy 's card and did not quite understand how I had 2 different ones but I had indeed made those purchases they claimed. I paid the charge and closed all my Macy 's credit cards on XX/XX/2023. Macy 's conveniently found a way to charge interest on the late fee of one of the closed credit cards ; I called again in XXXX and made sure that they remove all of these charges and REALLY closed the cards this time. On XX/XX/2023, I received a letter from Macy 's saying I owed {$0.00} on my card from interest fees. I once again called Macy 's and they claim they have a charge on my card from a Credit Service company in May, after the card was closed. I have again called for closure of the account and removal of the charge but doubt they are taking this issue at all seriously and fear they will continue to give sub-par customer service and eventually affect my credit score and report.
Consumer complaint received 2024-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (TN)

Card starts declining on XX/XX/XXXX XX/XX/XXXX Attempt to sign in on Wednesday  XXXX  after arriving home from our destination wedding to figure out why its declining. Find out I am locked out of the online account. 

Thursday  ( XX/XX/XXXX ) call Truist at XXXX to figure out what happened. Ended up talking to a supervisor who told me its locked due to a check I deposited on XX/XX/XXXX in person from my father. This was our wedding gift from him. The supervisor put a hardship rush on the investigation and said id hear from them in 2 business days. I did not hear anything from them. ( Called my father after this to confirmed the money had already been taken out of his account, and it was on XX/XX/XXXX ) no access to funds on XXXX XXXX for the weekend Called Truist at XXXX Monday  ( XXXX ) after hearing nothing and was transferred to fraud. Told the same story, my account is still locked and theres nothing they can do. And to just call back tomorrow. Asked to speak to a supervisor and she said Id hear a new update by end of day. No update at end of day. Attempted logging in twice that afternoon. 

Tuesday  ( XXXX ) called Truist at XXXX Talked to a woman XXXX transferred me to fraud Talked to a ( women ) at XXXX with the fraud department- said something about the check not clearing- or being deposited back? Transferring me to a supervisor at XXXX. 
supervisor ( women ) at XXXX Said theres nothing she can do. Filed a complaint on my behalf and also said this could take up to a year to release my funds. No resolution. Told to call back Wednesday morning Called Truist at XXXX with my dad to try to get further information and got nowhere again. 

It is now day 10 with no access to my funds. I am behind on all my monthly payments, including rent. I have gotten no answers from Truist as to what is happening to my money and account.
Consumer complaint received 2024-05-29
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. (IL)

I am writing to formally dispute the erroneous information currently reflected in my credit report. This account has been consistently reporting inaccurate information which is adversely affecting my creditworthiness. 

These discrepancies are not only incorrect but are causing significant damage to my credit profile, leading to unfavorable financial consequences. Under the Fair Credit Reporting Act FCRA ), I am entitled to dispute any inaccuracies in my credit report and expect a comprehensive and timely investigation into this matter.
Consumer complaint received 2023-06-19
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

In accordance With The Fair Credit Reporting Act XXXX Capital One account # XXXX on XX/XX/2021 has violated my rights. 

15 U.S. Code 6802 B A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party
Consumer complaint received 2020-04-04
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: Experian Information Solutions Inc. (PR)

Since XX/XX/2019, XXXX  and Experian stop allowed to operate his dispute center They are controlling life-changing information, and they clearly have no interest in fixing this issue avoiding customers dispute wrong accounts in reports which is illegal. Every customer by law have the right to review their account and dispute any wrong statements. By email they never receive the documents they state always please resend it never arrive. No one is doing anything to find a solution. Experian is running a similar scam, where their site is always down for disputes, you have to send things in the mail, they get lost, etc. I have submitted multiple disputes for erroneous reporting and have gotten a resolution expected when I tried to re submit did not allow. I hope CFBP will help doing something about this scam by this companies in which mos of the time get money from third parties to continue operating in this way.
Consumer complaint received 2023-06-19
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am writing this letter in reference to XXXX that your company is currently reporting to XXXX, XXXX, and XXXX under my name. The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious financial distress & will continue to cause me financial and emotional distress until it is resolved.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2023-06-19
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. (TN)

I have contacted by phone on multiple times the customer services department of : Shop Your Way General Inquiries XXXX XXXX XXXX XXXX XXXX, SD XXXX Payment Addresses Shop Your Way Credit Card Payments XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, PA XXXX Shop Your Way Credit Card Overnight Delivery/Express Payments Attn : Consumer Payment Dept. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, KY XXXX Contacted : XXXX 24/7 /Technical Assistance XXXX and the Rewards Center XXXX. When you call this number for your redeemed points concerns, you can not speak directly to a customer service representative on the issue. Only a voice recorded system that you can get basic info. The recording gives you general information and tells you to use online website to address your concerns in which I did contact the online services on why my points were removed with no resolution for my concern. Customer Services main direct number tries to place you over to the Reward Services number knowing that you can not speak to a representative once you are placed in this phone system loop. I had communicated this to main customer service representatives several times that the rewards points customer service phone number does not have anyone that you can speak to directly and the system places you in a loop of useless information that is not useful to address concerns of the point rewards. 

As of XX/XX/, it is indicated in the attached credit card statement my XXXX Total Reward Points. I had brought this to the attention of the Customer Service Representative. On XX/XX/XXXX I used only XXXX points that should have left me a balance of XXXX reward points. However, the system XXXX out my account leaving me only XXXX points reward balance. I had immediately called customer service to have them to explain to me the reasons why the system had removed all of my points to a XXXX reward points balance as indicated in the below attachment currently from their website statement. I have attempted several times afterwards to resolve and spoke to Customer Services Supervisors on several occasions to correct. The responses I have received was that they would fix this issue. To date, I have not received any resolution to resolve my issues for current reward points that still should be accumulating new points. The first line representative and their supervisors will not escalate my concerns to upper management the several I have contacted the office to resolve my concerns. I have sent intercompany emails as included in the attachment below also of the unresolved issues and the removal of all of my reward points. This is fraudulent advertisements and misrepresentation of the consumers product that is being advertised by the credit card provider.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-05-29
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. (TX)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX  Account number XXXX
Consumer complaint received 2023-06-19
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: Paypal Holdings, Inc (PA)

I was charged {$190.00} and {$59.00} on a PayPal Debit Card for purchases that I cancelled before shipping due to the cost being misleading by the vendor. The vendor shipped the package but I refused delivery. Although I've contacted the vender on numerous occasions, the vendor has not responded. I filed a dispute with PayPal on XX/XX/XXXX supplying all the communication with the vendor as well as proof that I did not accept delivery of the product. The status on PayPal indicates that a review would take approximately 5 days, but as of XX/XX/2023, the review has not taken place. I've attempted to contact PayPal but have only been able to 'communicate ' with bots. At one point, I was directed to open a chat through XXXX which I did. I was communicating with an unknown person on PayPal 's XXXX page with no resolution. I opened a private chat on XXXX and was communicating with an XXXX and a XXXX and was told that the issue would be transferred to the 'relevant ' party, however, the issue still has not been resolved or reviewed by PayPal . The account can be identified by my email address of XXXX. I'd appreciate any assistance in getting the charges refunded since PayPal is not responding and I've been unable to communicate successfully with a live customer service agent.
Consumer complaint received 2023-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (PA)

On XX/XX/XXXX Chime closed my account with over XXXX dollars in my checking account and would not allow me to withdrawal my funds citing that I violated the deposit account agreement. I explained to the merchant that I needed access to my funds to pay for my medical treatment on Monday XX/XX/XXXX in numerous emails in addition to car repairs and they simply responded back with automated responses. I also called to update my mailing address with Chime and they updated my mailing address incorrectly. I emailed them the correct mailing address several times and they responded back by saying they would mail the funds in my account to the incorrect address in 30 days. This is mental abuse as they are aware that I need these funds for medical treatment.
Consumer complaint received 2023-06-18
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: Nelnet, Inc. (NJ)

Dept of ED has been on my credit for years. Ive told them countless times I am not the owner of this account and they continue to show on my credit please help withthe removal of this account
Consumer complaint received 2024-08-06
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. (GA)

I am a victim of identity theft. I kindly request that you block this information from my credit report within XXXX business days, pursuant to XXXX XXXX of the Fair Credit Reporting Act. 

It is evident that these fraudulent accounts were orchestrated with malicious intent, as they were intended to harm my personal credit and financial well being. If not removed, I will have no choice but to sue for multiple violations under the FCRA and FDCPA in which under XXXX XXXX XXXX Civil Liability will be in effect.
Consumer complaint received 2023-06-17
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. (NY)

On or around XXXX XXXX I requested my credit report and noticed some inaccuracy of inquiries on my credit report i notified Experian, XXXX, XXXX XXXX but haven't got the any answer. XXXX XXXXXXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022. 

15 u.s.c 1681 I ( 5 ) They are supposed to modify accounts that aren't reporting correctly. 

15 u.s.c section 602 A section 2 : States I have right to privacy 15 u.s.c section 604 A SECTION 2 It also states a consumer reporting agency can not furnish an account without my written instruction 15 u.s.c 1681c. ( A ) ( 5 ) SECTION STATES : no consumer reporting agency may make any consumer report containing any of the following items of information another adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 u.s.c 1681s-2 ( a ) ( 1 ) : A person shall not disclose to a customer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Consumer complaint received 2023-06-16
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. (FL)

Per the FCRA, I am a federally protected consumer. According to the law, consumer reporting agencies are to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX, XXXX, and Experian are classified as consumer reporting agencies, and I by definition am the Consumer. Pursuant to 15 U.S Code 6801, it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX XXXX per 15 U.S Code 6801 is defined as a financial institution ; of which I am sure the U.S. Department of Justice, the U.S. Department of Housing and Urban Development, the U.S Securities and Exchange Commission, and the Office of the Comptroller of the Currency [ would ] consider any information that this institution engaged in illegal credit practices before the end of the institutions next performance evaluation. XXXX XXXX XXXX  is in violation of 15 U.S Code 1681a ( 2 ) ( A ) ( i ). See Exhibit A. XXXX XXXX XXXX is under the regulation of many laws and as previously mentioned one of those is the FCRA, which states the term consumer report DOES NOT INCLUDE any report containing information solely as to transactions or experiences between the consumer and the person making the report. Pursuant to 15 U. S Code 1681c ( a ) ( 5 ) the publishing of any adverse item of information should not be on any consumer report. It clearly states except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This is a violation as they are reporting these items without my permission. See Exhibit B for the account I, the consumer, am speaking of. 15 U.S Code 1681e states every consumer reporting agency shall maintain reasonable procedures designed to avoid violation of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I requested TransUnion remove/delete all accounts in the document I have attached in this report due to improper use of my credit report as well as inaccurate & misleading information being listed within the accounts on my report. Instead of them honoring my request, they only updated the accounts and kept them on my report.
Consumer complaint received 2024-08-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-05-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The XXXX XXXX XXXX account ending in XXXX was closed due to identity fraud. I also requested the hard inquiry dated XX/XX/2023 on my TRans Union report be deleted. Since the entire record of the credit card account HAS been deleted from my report, the HARD inquiry needs to be removed too. XXXX did remove the account but has not removed the inquiry.