davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (TX)

On XX/XX/2022, I purchased a Vanilla Gift card for my daughter for XXXX at the XXXX in XXXX, TX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Helped by XXXX. 

She tried to shop for XXXX gifts on XX/XX/XXXX and the card was declined. We thought maybe it was too early to use ( even though our receipt says activated ). We looked online and it showed a {$150.00} balance So she tried again and again and still the card is declined. We logged back onto to vanillagiftcard online and it now says an error occurred each time we try to check the balance. She called the Vanilla Gift card number on the card and sat on HOLD for over an hour. Finally, they answered and said there was a problem with the card, that they don't show a card with that number?! When we explained that we already saw the balance on the card and now there is a system error, they said we will have to try again the next day. We continue to try and the system continues to show an error occurring. I have tried calling multiple times since then and sat on hold for up to an hour without anyone answering the phone. 

My daughter is a XXXX XXXX XXXX and she needs this money. Can you help us? 
You can reach me at XXXX XXXX XXXX
Consumer complaint received 2023-10-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I had a XXXX XXXX membership. I cancelled the membership within the time frame specified in the membership agreement and cancelled the membership in person which is also their policy, just to make certain it was cancelled. XXXX claims they received my letter late and charged my Bank of America card {$52.00}. I disputed the transaction. The investigation, if you can call it that, conducted by BOA was a disgrace and they denied my claim. I have had that card for XXXX years and pay my large bills in total every month. 

XXXX provided BOA with fraudulent documents, which were accepted by BOA. XXXX, employee ID # XXXX, a supposed supervisor, was a disgrace. She asked me to provide proof of when XXXX received my cancellation letter, knowing there is no way that type of document is available. Interestingly, they never asked XXXX for a copy of the letter and even more obvious, XXXX never provided it. Further, the cancellation form that XXXX provided to BOA is back dated, does not contain my signature in the member signature blank and notes that XXXX cancelled the membership for " insufficient usage '' -- no mention of receiving my cancellation late. BOA just accepted these documents without reviewing them or pursuing further investigation. BOA 's investigation was just as fraudulent as XXXX XXXX documents.
Consumer complaint received 2021-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing a formal complaint with and on the company TransUnion, from my understanding ( with what they have supplied to me in this letter XXXX that they are stating that the Virginia Bankruptcy Office in fact was the " data furnisher ( s ) who verified the information. This in fact is not true! Bankruptcy office by law do not furnish any form of information to the credit bureaus so they have lied. I have already verified that the bankruptcy court and I verified with other sources that this information isn't true.

Who is the data furnisher ( s )?????

What is the contact information????

Address/ Name/ the human person you reached and verified the information with???

Unverifiable information needs to be deleted ASAP. Which is enforced by FCRA.

I NEVER DISPUTED THE BANKRUPTCY. I submitted ONLY a request of MOV not a dispute. It was in bold and red letters! 

My rights have continuously been violated by TRANSUNION with these XXXX responses and disrespect for not respecting the fact that I DID NOT dispute but in fact requested information. Most importantly the fact that they lied about the source of " verification ''
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

The purpose of this notice is to inform you of my election to exercise my right to Opt-Out of my information being shared with third parties such as consumer reporting agencies in accordance with Section 6802 ( b ) ( 1 ) of the GLBA.

I have attached a copy of my passport so you do not send me a notice saying you can not identify me.
Consumer complaint received 2023-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (PA)

Back a few months ago I tried to pay a {$1000.00} on my Cititcard. It would not let me at all. So I tried different amounts and it finally let me do {$200.00}. Today I tried to pay a {$100.00} and it would only let me pay the minimum payment. I think this is terrible, because I am trying to pay this card off. I paid {$5000.00}, {$3000.00} and other large amounts to othe creditors with no problem online.
Consumer complaint received 2023-10-10
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. (FL)

I submitted a credit repair request to a company, but they 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 considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-10-10
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. (TX)

In accordance with the Fair Credit Reporting Act, Attorney General Child Support account # XXXX, Attorney General Child Support account # XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights. 



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

15 U.S.C 1681 Section 604A Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-10-10
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: MicroBilt / PRBC (formerly CL Verify) (CA)

I verify that these inquiries are not mine, nor do i recognize them. I demand that they be deleted and removed. 

Inquiry Source : XXXX Inquiry Date : XX/XX/2023 Name : XXXX XXXX XXXX XXXX Business Type : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX Inquiry Source : XXXX Inquiry Date : XX/XX/2023 Name : MicroBilt Business Type : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
Consumer complaint received 2023-04-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC (MI)

I moved to XXXXXXXX XXXX XXXX  during the pandemic I had lost my job and my family was evicted. So what is this I owe never heard of Spring Oaks Capital the property owner contacted my family about Mail coming for me and it need a to stop because its Rental property.
Consumer complaint received 2023-10-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG HOLDINGS INC (PA)

The debt attempting to be collected was not mine. Somebody used my information. I was just informed of the debt today, XXXX XXXX, the debt is from XXXX. I have no idea what was purchased
Consumer complaint received 2023-10-10
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-11-08
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (IN)

Company filed a collections on my credit report, stating they emailed a notice to respond only via email. I contacted hunter warfield and asked for a debt validation letter and never received a response back. There is still a derogatory collections mark on my account
Consumer complaint received 2023-10-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: REGIONS FINANCIAL CORPORATION (GA)

I received a mailer advertising a promotional offer when completing two different actions prior to XX/XX/23 : 1. open a XXXX checking account and receive direct deposits totaling {$1000.00} within the first 90 days ; once the terms of the code have been satisfied, the offer reads, the promotional bonus of {$400.00} will be deposited within 60 days. 
2. open a Relationship CD of any term length with a minimum of {$25000.00} ; once the CD reaches maturity, the promotional bonus of {$350.00} will be deposited within 60 days. 

The promotional mailer was sent to a nonexistent person at my address. The terms of the offer read : " One bonus offer is available to the addressee or a person in the addressee 's household. '' I enrolled my offer code on XX/XX/23, and opened the XXXX Checking Account the same day ( immediately after code enrollment ). I completed the requirements for the {$400.00} bonus on XX/XX/23. 

I opened the Relationship CD ( 8-month term ) in branch on XX/XX/23. Since I have not met the terms of that promotion yet, it is not included in my complaint. 

I called the main Regions customer service number on XX/XX/23 and was told at that time that, yes, the offer was attached to my account and I would receive the bonus ; the representative explained that it was a new offer and therefore would not show up in the bonus tracker that in-branch bankers have access to. 

I'm also attaching a printout that XXXX at the XXXX XXXX branch in XXXX, GA, gave me that shows my offer code had already been enrolled, dated XX/XX/23. This is from a system that only bankers have access to, thus, I have not been able to access any information about the promotion on my own. The printout had my account number written on it, so I blacked it out, but everything else is correct. 

The terms of the {$400.00} XXXX checking bonus say that it will be deposited into my account within 60 days of meeting the requirements, but we have now passed 60 days. I sent a secure message while logged in to my online account, and was told there was no offer attached to my account. Via secure message on XX/XX/23, I was told the representative, XXXX, had submitted a " ticket '' and that I would hear back within 5 business days. I have not had any communication from Regions in that time. 

In addition, a banker at the XXXX XXXX branch, XXXX, created a ticket on XX/XX/23 with the same information I am supplying in this complaint. As of Friday, XX/XX/23, she told me she had not yet received a response. 

I followed the terms of the bonus to the letter. I would not have opened this particular account without the enticement of a promotional bonus ; Regions is in violation of the law by denying me this bonus. I now have significant funds ( over {$25000.00} ) tied up in this bank because Regions promised a bonus. 

The front and back of the mailer, including the bonus terms, are attached, as is the printout showing my offer code had been enrolled
Consumer complaint received 2022-12-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days
Consumer complaint received 2022-12-06
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: EQUIFAX, INC. (CA)

XXXX XXXX Credit Card closed XXXX of my credit cards that I havent been using in the last XXXX years which affected my credit score. I have over XXXX years of credit history, NEVER late on any payments, no XXXXMaintained perfect XXXX cs for XXXX  year. Now all of a sudden it drops to fair. Due to the fact that the bank decided to close my Credit card due to an inactivity and my credit score dropped by XXXX points due to that. XXXX points because XXXX XXXX auto-closed my account ( not me ). 
Please help to restore my excellent XXXX credit score as this is unfair. Thank you!
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AZ)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2023-10-10
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. (FL)

I/We, XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Florida XXXX State, that I have never received nor used any credit cards, for the purchases of merchandise, services or for any other purpose. No Purchases or uses have been authorized by or with my consent or knowledge, and no benefit or value has been or will be received by me as a result of such transactions. Furthermore, I have never signed any application requesting the issuance of any said credit card, nor did I authorize any person to use a duplicate credit card issued under the above account number. I declare under penalty of perjury that the foregoing is true and correct.
Consumer complaint received 2023-08-07
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. (SC)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX  XXXX Balance : {$350.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$3400.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-02-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio (MI)

I was checking my XXXX credit report and saw this collection.. 
XXXX XXXX XXXX XXXX ( XXXX XXXX ) Which I do not recognize and doesn't belong to me. 

This is Identity Theft. Please remove from my credit report asap..The account number is XXXX. Amount is {$600.00}. It was reported on XX/XX/2022. 

Thank you.
Consumer complaint received 2023-04-19
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: Synovus Bank (FL)

I Was Never Late on the Payments of the accounts Listed Please show me documentations showing proof of transactions showing I was ever late to Support your inaccurate Reporting on my accounts, IF you can not Supply this Please Delete these Allege late payments from my Credit Report, These are Invalid late payments, The FCRA allows 30 days for this to be rectified.
Consumer complaint received 2023-11-08
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. (MA)

In late XXXX or early XX/XX/2023, I discovered that a credit line charge of {$9200.00} was placed on my Home Depot charge account ( the account is managed by Citibank for Home Depot ) on XX/XX/2023 for what appears to be plumbing supplies. I called and the personnel at the bank were courteous and gladly offered to remove the charge and run their investigation in to the apparent fraud. This morning, XX/XX/2023, I received a one page letter that says, '' The facts and/or information reviewed as part of the investigation does not substantiate the claim of unauthorized use. '' I called and was requesting that they provide me details of how this was determined ; and they would not help. They said that if I mailed or faxed them a front and back copy of my driver 's license then they could possibly open another review of my claim. I personally think that these methods are not a proper level of security, both in terms of insecure handling the transport of this highly personal data, nor had they given me any valid security conscious reason to send in more private data when they could not give me any of their findings. They offered that they had signatures on the order for the transaction. I offered to meet at a local Citibank office and then we could compare the data and if needed they then could look at my license. They would not accept. I offered to meet on an online meeting to do the same and they would not accept. I also noticed that they do not use any form of multi-factor authentication when I login to their banking web site. They mentioned that the supplies were cited as for XXXX XXXX as the job description. I found a XXXX XXXX at a nearby XXXX MA address. I would like the CFPB to make Citibank be 100 % transparent and recognize that a fraud, possibly an inside employee scheme has happened here. 

Most importantly, I learned that Home Depot allows their customers to access credit from a card account they do not have with themselves, called the " Account Lookup Feature ''. This seems very risky and certainly invites fraud. The way they do this is the customer can supply a Social Security Number keyed into a key pad and the same with a drivers license belonging to the card holder and be allowed full access to purchase on that card account, such as in this case. Apparently this individual was allowed to use the account look up feature and supplied my SSN, but was incorrect on my drivers license. Why did the transaction then get approved? Also why would someone do this fraud on their own account? 

It's a terrible situation to be in. Please help. Thank you so very much in advance.
Consumer complaint received 2018-04-04
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: CITIBANK, N.A. (NV)

OnXX/XX/XXXX at XXXX, I received a text msg from citibank fraud dept. that they allow a transaction from XXXX with the amount approximately of XXXX and XXXX. I immediately replied " NO '' and called them right away. They cancelled the card and reported it stolen. But they rollover the said transactions on the new card. Now, amounting to about XXXX and XXXX. I disputed the transactions again on XX/XX/XXXX.  Which they resolved. But nowXX/XX/XXXX, the XXXX transactions showed on my account again but went up to XXXX and XXXX. I don't have a XXXX app nor have I used XXXX as a transport. I called them and they cancelled the card right away. I don't know what to do at this point it looks like they've been ignoring my complaint. I already informed them to block any transactions from XXXX when I called them last XX/XX/XXXX.