davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Called transunion to dispute information on my credit report. Was told that they are experiencing higher than average call volumes. It was XXXX in the afternoon on a monday. This seemed unlikely to me, so when I got an agent I asked if they had some sort of report they could give me to verify they actually are experiencing higher than average call volume, and that they system was not just lying to me right from the start. Afterall, that would be indicative of a bad actor, and I don't want to engage with a bad actor. The agent then hung up on me. This wasted 12 minutes of my time.
Consumer complaint received 2024-01-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Chime Financial Inc (TN)

I received a direct deposit on XXXX in the amount of XXXX on my Chime account and I tried to transfer funds it was decline. I checked the mobile app and it was a wire transfer to someone I dont have any acknowledge ofin the amoutnt of XXXX dollars. I reached out to Chime but they was of no help.
Consumer complaint received 2023-05-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

I have no supplied proof under the doctrine of estoppel by silence, engelhardt v. Gravens ( mo ) 281 sw 715,719 i presum that no proof of the alleged debt nor therefore any such debt in fact therefore exists
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-01
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. (CA)

I am writing to express my extreme frustration and outrage at the unashamedly mishandling of my identity theft dispute by your bureau. It is unacceptable that despite providing clear evidence and following all necessary procedures, my legitimate concerns have been ignored and dismissed without proper investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

The accounts listed on my credit report are a direct result of identity theft, a serious crime that has caused significant damage to my financial well-being and personal security. Yet, your bureau has chosen to overlook this fact and continues to report these fraudulent accounts, further exacerbating the harm done to me. 

I demand immediate action to rectify this egregious error and remove all unauthorized accounts from my credit report. Your failure to do so not only violates your legal obligations but also demonstrates a complete disregard for the rights and well-being of consumers like myself. 

Furthermore, I will not hesitate to take legal action against your bureau if this matter is not resolved swiftly and satisfactorily. I expect a prompt response acknowledging receipt of this complaint and outlining the steps you will take to address the situation.
Consumer complaint received 2024-01-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I've talked with my credit card companies and was advised that the. 20+ % is due to the prime rates that is mandated by the federal government. I would like to know who do we as consumers need to contact about these prime interest rates? What committees or subcommittees do we need to address our complaints? My husband and I along with others have outstanding credit score and excellent payment history XXXX but yet have high interest rates. Please advise. Thank you..
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to express my extreme frustration and outrage at the unashamedly mishandling of my identity theft dispute by your bureau. It is unacceptable that despite providing clear evidence and following all necessary procedures, my legitimate concerns have been ignored and dismissed without proper investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

The accounts listed on my credit report are a direct result of identity theft, a serious crime that has caused significant damage to my financial well-being and personal security. Yet, your bureau has chosen to overlook this fact and continues to report these fraudulent accounts, further exacerbating the harm done to me. 

I demand immediate action to rectify this egregious error and remove all unauthorized accounts from my credit report. Your failure to do so not only violates your legal obligations but also demonstrates a complete disregard for the rights and well-being of consumers like myself. 

Furthermore, I will not hesitate to take legal action against your bureau if this matter is not resolved swiftly and satisfactorily. I expect a prompt response acknowledging receipt of this complaint and outlining the steps you will take to address the situation.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. ()

In accordance with the Fair Credit Reporting Act XXXX Account XXXX, Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-01-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

On XX/XX/XXXX I attempted to transfer my Venture rewards points to XXXX XXXX. I tried multiple browsers and on the mobile app. I was unable to verify my phone number despite having transferred points multiple times. 
I called Capital One support on XX/XX/XXXX and was informed it was a known problem, but there is no solution. I find this to be unacceptable due to the fact that Capital One advertises this service, but is unable to actually provide it. Now am unable to purchase the flight I want. 
It is upsetting that Capital One did not bother to inform customers that this is an issue.
Consumer complaint received 2024-05-01
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. (PA)

please delete all the fradualent accounts and unathorized inquiries listed below this is incorrect and wrong reporting 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 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 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 2023-11-20
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. (NC)

Proof of these debts need to be provided I never signed anything or contracts with these companies The information being reported is not consistent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On or about Monday, XXXX XXXX XXXX, I called Capital One Billing Disputes Department to request that they update all credit bureau reporting agencies to remove an old and outdated dispute flag that still appears on my account. 

Whenever I access my credit report, under the remarks section appears : " Dispute resolved ; reported by grantor. ''
Consumer complaint received 2024-01-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (VA)

I purchased a sofa set and a table in the amount of {$1700.00}. The sofa was not in good condition. I contacted the Card company which gave me a temporary credit for {$1700.00} until matter was resolved. I later informed the card company that my issue was only with the sofa set, not the table. The card company then issued an additional temporary credit for {$1400.00} ( which excludes the table ). The furniture company retrieved the defective sofa from my home on or around XX/XX/XXXX and gave me a credit of {$1300.00}. On XXXX, the furniture company gave me an additional credit of {$110.00}. On the XX/XX/XXXX and XX/XX/XXXX statement, the card company reversed the {$1700.00} credit and added it to the bill statement as a purchase. On the XX/XX/XXXX to XX/XX/XXXX statement the credit card reversed the {$1400.00} credit and added it to the statement as a purchase. I am asking the card company to remove the {$1700.00} as a purchase. With respect to the XXXX, it should no longer show on my bill as a purchase on my statement. All I owe is approximately {$290.00}. I have made several calls to Citi Bank but no help. Yesterday Citi Bank hung up on me. 

My billing statements should not continue to indicate that I owe both {$1700.00} and {$1400.00}. The furniture store has credited my card {$1300.00} and {$110.00}. I ask the Card company remove the {$1700.00} and the {$1400.00}
Consumer complaint received 2023-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

On XX/XX/XXXX, I reached out to the capital one credit card customer service line to request a payment extension from the billing due date of XX/XX/XXXX to XX/XX/XXXX based upon my pay day is XX/XX/XXXX. When speaking with the first representative she advised that the request was declined and they do not offer payment extensions and they would not waive any late fees if fees incurred. I requested to speak with a supervisor. 

When speaking with the supervisor, i explained the situation and i was informed by the supervisor that if my payment was recieved on XX/XX/XXXX, there were no guarentees late fees could be waived. The supervisor wanted to transfer me again to another department to discuss waiving my fees along with amending my payment due dates. Prior to making a decision I requested for the supervisor to recap my concerns that was supposed to be noted to my account. The supervisor failed to recap the most important reason for my call is the payment extension of two days. I told the supervisor " I was now uncomfortable with this conversation because the purpose of my call was missed during the recap, and I need to begin recording this conversation. '' The supervisor told me I can not record our conversation as she does not give me permission to record and I asked the supervisor ( paraphrasing ) " why is she declining me recording her, well I decline her recording me during this call. ( Please be advised, I never recorded the supervisor ) The supervisor then says " I have warned you not to record me, you do whatever you got ta due. I am disconnecting this call. '' I advised the supervisor I will be filing a formal complaint with CFPB and she hung up on me. 

I have been a customer of Capital One since XX/XX/XXXX ( 5 years ) I have gone from having credit card being hacked, to late payments years ago. The purpose of my call was not to pay my bill at all, but to pay it 2 days later without incurring a penalty. 

The treatment I received during this call was uncalled for and disrespectful.
Consumer complaint received 2023-12-20
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (TX)

Best buy citi card {$3000.00} balance when my credit limit was only {$2000.00} also I was incarcerated for a large portion of the time I was " spending '' and refuses to remove the delinquency of my account from my report.
Consumer complaint received 2024-05-01
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX 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 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/year>
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PNC Bank N.A. (RI)

Auto loan generated 3 hard inquiries. Under the Fair Credit Reporting Act they were not for a firm offer of credit for therefore they should have been soft inquiries. Also contacted XXXX to remove the information but they stated they do not follow the Fair Credit Reporting Act and also refused to identify themselves other than XXXX. The inquiries are from XXXX XXXX, PNC Bank and XXXXXXXX XXXX on XX/XX/2023. These have negatively impacted my credit score.
Consumer complaint received 2024-03-08
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Fundo LLC (MI)

I provided a written request on XX/XX/2024 for Fundo LLC to stop ACH withdrawals from my previous bank account as I change banks. They responded and acknowledged my request. Despite this they are still taking payments from this old account causing overdraft fees, and they are not stopping the ACH.
Consumer complaint received 2024-01-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IN)

On XX/XX/year> I sold a brand new XXXX XXXX XXXX  XXXX XXXX on XXXX for {$1100.00}. The buyer used the payment processor PayPal. Exactly 30 days later on XX/XX/year> The buyer opened a chargeback with their Financial Institution PayPal Credit Synchrony Bank. Every time I contact PayPal they tell me the case is under review with the buyers financial institution. The reason the buyer opened the Chargeback was because they claimed the phone was not new as described because when they took the phone out of the box it was not fully charged. she claimed that I the seller must have resealed it in the box. I have the serial number for this device and can prove that it was brand new as the first time the phone was registered according to XXXX was XX/XX/year>. The same day the buyer received the phone. The buyer also left me a negative review on XXXX telling them something different saying she received the wrong device. This buyer has used consumer protection laws to scam me out of an expensive XXXX phone. I should at least get my phone back. They will not help or give me any information. My Social Security Number is XXXX. Paypal Case XXXX XXXX XXXX
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality unde

r 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 Any other 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 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 2024-01-23
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: EQUIFAX, INC. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CT)

I recently checked my credit report and I see some incorrect information on my report, that is affecting my ability to obtain credit at the moment, can you please investigate this account? 
account-XXXX  account XXXX XXXX
Consumer complaint received 2024-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MI)

I applied for the save plan, was put in administrative forbearance because they had delayed processing. My monthly payment was wrong two times, and therefore due to their processing times and incorrect payment amount I was in forbearance form XXXX to XXXX. They are now telling me these months wont count for PSLF, but I was in forbearance due to their errors.

I asked for this in writing that these months wont count, they stated it will be 90 days.

I am reporting because these months should count due to their errors and correspondence time. Also, my payment on save is {$0.00} due to my income and I would not have to had pay anything for those months anyway.
Consumer complaint received 2024-01-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I opened this account and i believe i may have gotten the first card but it didn't work so i request another card at least 4 times possible five or even six times i have made phone calls to capital one explaining i haven't gotten a card I have again just recently reached out to request a new card in like XXXX or XX/XX/year> today i see they decided to close my account i called to ask them why they said inactivity this is going to effect my credit score and ruin my credit history this is not my fault i have asked them multiple time for a card to use this is fraud they ran my credit to get the card now it shows closed and will effect my credit again and also drop my overall credit limit how can this be legal
Consumer complaint received 2024-05-22
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: TD BANK US HOLDING COMPANY (AZ)

unauthorized/fraud credit inquiries : TD Auto Fin 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