davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DC)

XXXX Credit Bureaus are reporting illegal unauthorized fraudulent transactions and charges from XXXX XXXXXXXX XXXX  as evidence of XXXX police report XXXX and other evidence investigations from, XXXX XXXX XXXX and XXXX and XXXX XXXX investigations and XXXX reports Credit Bureaus ignoring all investigations and continue to report negative reporting on my credit reports from XXXX XXXXXXXX XXXX  illegally repeatedly to clouding with XXXX XXXXXXXX XXXX in reporting negative on my credit reports.
Consumer complaint received 2023-03-15
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: EQUIFAX, INC. (TX)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX 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
Consumer complaint received 2023-10-08
Product: Credit card — Store credit 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: CITIBANK, N.A. (NY)

My Wayfair card account was hacked and used to make purchases in XXXX. I had just paid off the card. I saw that the order was done by receiving an email that the items were ordered and delivered. This was on XX/XX/XXXX to XX/XX/XXXX. I called Wayfair and the representative stated that my account was hacked. They stopped that card and sent me a new one. I was told that I was not liable for the purchases. On XX/XX/XXXX I received a letter stating that I am liable for the purchases with no explanation. I have called Citibank and received no support or explanation as to why they made this determination. This has resulted in my credit score being lowered. They were not supportive at all. To be told that I was hacked and then held liable for the purchases is infuriating. The purchases total {$460.00}. I am writing for them to resolve this issue by not finding me liable for the charges and repair the negative impact on my credit score. All this company has done is harass me for the debt rather than support me through the process.
Consumer complaint received 2023-02-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jonathan Neil & Associates, Inc (VA)

In 2021, I gave my XXXX XXXX to my partner 's brother. The title and registration were transferred to my partner 's brother in his home state. Later, my partner 's brother got into an accident and a file was claimed. I have confirmed with the XXXX that the XXXX was not in my name at the time of the accident. The XXXX was never, at any point, registered under my partner 's name. Since then, my partner has been sent to collections and he has been sent threating letters from Jonathan Neil & Associates claiming they will attempt to have his license suspended. We contacted XXXX XXXX from Neil & Associates, but he attempted to place the onus on us to ensure my partner 's brother pays his debts. He blatantly stated that there was no point in us calling and did not state that his firm would stop pursuing legal action. We have contacted our own insurance company, the insurance company used by my partner 's brother, and the insurance company of the person who filed the claim against my partner 's brother. None of this has resulted in any action by Neil & Associates or the credit collections agency to resolve the claim. 

Claim : XXXX Complaint ID : XXXX
Consumer complaint received 2023-10-12
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 (SC)

On XX/XX/2023 my family arrived in XXXX XXXX XXXX XXXX XXXX the late afternoon at XXXX XXXX XXXX XXXX. We had private transportation arranged by the resort from the airport. 
We were taken to a large room that was being used as the check-in area. My credit card was taken from me to be added to our reservation for incidental charges. The card was out of my possession for an extended period of time while we waited to be checked in. 
When we returned from our vacation on XX/XX/2023, I immediately checked my credit card account online. I discovered an unauthorized charge of {$1800.00} from a merchant named XXXX made on the day of our check-in, XX/XX/2023. Upon researching this merchant, it is listed as a taxi service. We did not use this service as we had our own private transportation from the airport through the resort. Logistically, the charge doesn't even make sense as we were not in the country long enough to have a taxi charge of this amount from the airport. XXXX XXXX is only about XXXX minutes. Once we arrived at the resort and checked in, we never left the resort until we checked out on XX/XX/2023. 
I have made numerous phone calls over the past 6 months to XXXX. I have submitted documentation showing proof of our private transportation, proof of our arrival time into the XXXX XXXX, email addresses for our travel agent and staff at the resort to confirm all the information submitted. 
The credit card company stated that since this is a chip card, I approved the transaction. I did not approve it and the charge was made while the card was out of my possession at the resort. I have requested proof, that the transaction was approved, from the credit card company and it has not been provided. The credit card company said they were unable to contact the merchant and that I should do this. I tried several times using the information found online but there is never an answer to the phone number and no other contact information. This is a fraudulent charge from a fraudulent company. I was told, in writing, that I should not pay the disputed amount and that I would not be charged interest on the disputed amount but I have been charge interest for several months now. I have requested a supervisor/manager to call me to discuss the decision by the credit card company, to refuse to reverse the charge and interest. 
I have been promised 3 times that someone would call me in XXXX hours, then XXXX hours, then XXXX hours again. No one ever calls. I have had this case reopened 4 times now. 
I do not believe anyone is actually going to call me or listen to the facts.
Consumer complaint received 2023-10-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account, associated with the email address XXXX. I believe this limitation has been imposed in error, as I have consistently adhered to PayPal 's policies and guidelines. 

I have reviewed PayPal 's policies thoroughly and can confirm that I have not engaged in any activities that would warrant such an action. My account has been used solely for legitimate transactions, and I have always strived to maintain a clean and trustworthy presence within the PayPal community. 

Given the above, I kindly request that PayPal re-investigates my case with a view to lifting the permanent limitation on my account. I understand the importance of maintaining the security and integrity of the PayPal platform, and I am committed to cooperating fully with any necessary steps to verify my identity and account activity. 

I appreciate your attention to this matter and kindly ask for your prompt assistance in resolving this issue. Restoring my PayPal account would greatly benefit me and enable me to continue using PayPal for my financial transactions without disruption. 

Thank you for your understanding and cooperation. I look forward to a favorable resolution of this matter.
Consumer complaint received 2018-07-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (NY)

I am again filing a complaint because m issue was not resolved with my first compliant. 

I am asking that Synchrony Financial please request the deletion of XXXX/XXXX XXXX account XXXX from the three major CRA 's. 

I have not been sent a copy of any documents that I signed agreeing to 1 open this account, 2, use this account or 3 pay any debt that resulted in the use of this account. 

I am aware that an " electronic credit application '' was sent to me along with balances and billing statements. However none of this proves that I am the one that opened this account. 

If there was something with my signature on it, proving that I did indeed apply and open and use this account then obviously I would be responsible for this account, but since you do not have one ( which was stated in your response ) I asking that in the spirit of goodwill and great customer service, Synchrony Financial inform the CRA 's to delete and block this credit line from reporting.
Consumer complaint received 2023-09-27
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 this letter with an overwhelming sense of fury, disbelief, and frustration regarding the ongoing presence of fraudulent accounts on my credit report, which have been a constant source of distress and injustice. It has come to my attention that despite my repeated efforts to rectify this grave error, these accounts persist on my credit report, tarnishing my financial reputation and causing severe damage to my financial well-being. 
Account Details : XXXX XXXX XXXX XXXX XXXX However, despite my diligent efforts and the clear evidence I have provided, your bureau has failed to investigate and rectify this matter appropriately. This flagrant disregard for my rights as a consumer and the damage caused to my financial standing is utterly unacceptable. I demand immediate action to correct this egregious error. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a fair and accurate credit report. It is your duty, as a credit reporting agency, to ensure the information you provide is both accurate and up-to-date. The presence of fraudulent accounts on my credit report constitutes a severe violation of my rights as a consumer.
Consumer complaint received 2023-10-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

About a month ago, I was looking at my XXXX Performance Savings Account online at CapitalOne.com and I noticed that the " Available Balance '' was a little over {$10000.00} less that the running balance next to my last transaction. Normally, these numbers are the same, unless there is a large transaction that has not cleared. This was not the case, so I called the bank and was told this was nothing to worry about, it was just an error in displaying the information correctly. Today, a month later, my account has the same problem. This concerns me as a former XXXX XXXX because it either indicates that the bank has been hacked or their IT staff is incompetent and have no idea what they are doing. Neither scenario is a good one. I am contemplating withdrawing all money from this bank and moving it to one that takes their online presence seriously. The website gives no email address for complaints, only the telephone number that I already used. I would appreciate it if you could contact someone at a more senior level and make them aware of this situation. Thank you.
Consumer complaint received 2023-09-27
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. (MD)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). 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. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXXXXXX Balance : {$3200.00} XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXXXXXX Balance : {$3200.00}
Consumer complaint received 2023-09-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

The company closed my account told me that I would receive my check from the account after 60 days they never mailed the check they gave me the run around for months they also didnt tell me that I couldve closed my account until it was to late all my money is gone and they wont give me no information. They investigated me 3 times or they used the word verified my checks XXXX and on the last time they closed it this put my company behind and Ive basically lost a contract due to the profiling.
Consumer complaint received 2023-10-12
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. PLease review the uploaded letters.
Consumer complaint received 2023-10-12
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. (GA)

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXX, has violated my rights. 

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
Consumer complaint received 2023-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Frontline Asset Strategies, LLC (IN)

i have disputed this account several times. On XXXX XXXX I checked my consumer report and noticed the company Frontline AS these inaccuracies of false reporting. ihave an account from frontline for an alleged debt of XXXX sent certified mail requesting validation of this debt. also i am requesting validation again .these remarks on my consumer report have cause actual damages as well as statutory damages. due to voilations of the fdcpa
Consumer complaint received 2023-10-12
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. (GA)

Company is reporting late payments on my credit report. Which is in violation of my rights. This is negatively impacting my credit score I am unable to purchase a home because of this. I need the late payments removed from my credit profile asap.
Consumer complaint received 2023-10-12
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. (GA)

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

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-11-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Take a look at the documents I've provided, and begin an inquiry into the accounts in question, where I have always been on time with payments, but they are inaccurately recording me as having late payments.
Consumer complaint received 2023-10-12
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. (GA)

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 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
Consumer complaint received 2024-03-13
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. (FL)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OK)

Dear Experian, I am writing to formally submit a complaint regarding the presence of inaccurate names on my credit report. The following names are listed erroneously, and I seek your prompt assistance in rectifying this matter : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX I wish to bring to your attention that I have previously sent a dispute letter via mail outlining these inaccuracies and providing supporting documentation. As mandated by Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( A ), I have the right to dispute inaccuracies on my credit report.

Additionally, I have placed the supporting documents in the Consumer Financial Protection Bureau ( CFPB ) portal for your investigation. The FCRA Section 611 ( a ) ( 3 ) requires consumer reporting agencies to consider all relevant information submitted by the consumer during the reinvestigation process.

As outlined in FCRA Section 611 ( a ) ( 1 ) ( A ), it is mandated that consumer reporting agencies must conduct a reasonable reinvestigation within 30 days upon receiving a dispute notice. Failure to initiate an investigation within this timeframe may result in the automatic deletion of the disputed information. 

Enclosed with this letter is a copy of the supporting documentation sent via mail, further emphasizing my identity and the inaccuracies associated with the aforementioned names. I trust that this information, along with the documents in the CFPB portal, will expedite your investigation and ensure a swift resolution. 

I appreciate your attention to this matter and expect your prompt collaboration in rectifying these inaccuracies within the stipulated time frame.
Consumer complaint received 2024-04-06
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. (MD)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating XXXX using a XXXX party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-10-12
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Blackhawk Network Holdings Inc. (KY)

The date today is XX/XX/2023. I've been trying to activate a prepaid virtual card worth {$50.00} with the company MyPrepaidCenter ( online via their website ). I tried entering the code and it says " oops! There's an error on our side. Try again later. '' I even tried registering and making an account with them but got the same error message when trying to sign in. The site is completely broken. 
So I called the company to get help. They asked me what browser I was using and I told them I tried on XXXX and XXXXXXXX XXXX. They told me I needed to redeem my code by using XXXX XXXX and if I have any issues after that, to call them back. The operator told me he wasn't allowed to stay on the line while I downloaded the browser. I told him that was fine and if I had issues, I'd give them a call. 
I downloaded XXXXXXXX XXXX, tried again, and still had the same issues. I called back and left my email with a different male operator. According to him there's an issue with my code that makes it broken and this is a known issue. He said I would be emailed a new code and I've yet to receive an email. Checked my spam folder and everything. No code, link, or anything from them.
Consumer complaint received 2023-10-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion have fail to comply with Federal Law. 
1.The following personal information is incorrect. 

Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX 2.There Should be no late payments on this account. XXXX-Act # XXXX XXXX XXXX- Act # XXXX PAID AS AGREED IN INSURANCE CLAIM AS A TOTAL LOSS 3.Unauthorized inquiries Inquiries XXXX XXXX XX/XX/XXXX XXXX-XX/XX/XXXX XXXX -XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX