davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Sometime between XX/XX/XXXX and XXXX XXXX, I noticed that there were numerous transactions ( XXXX, in total ) with which I did not recognize or authorize. As soon as I noticed, I attempted to reach out to my financial institution ( Capital One ) to report the discrepancies, however, their phone customer support center was closed at that time. Thus, I was forced to wait until the following day to report the unauthorized transactions. Once I finally managed to connect with a member of the disputes team, a claim was able to be filed for XXXX of the XXXX charges. I had to file a separate claim for the remaining charges, as they had yet to officially be posted to my account at the time in which the original claim was filed. After less than XXXX days, I received XXXX separate emails from my financial institution stating that my claim results were available for viewing. Much to my surprise, however, I opened the results only to discover that the financial institution was denying both of my claims. 

The reason : due to your assertion about the debit card possession and transaction information. 

I immediately called my financial institutions customer support number upon reading these results and requested that a re-investigation be conducted for each of the claims. They stated that they could do so, however, they would not do so until I provided them with additional documents related to the charges being disputed. I explained to XXXX different agents that such a request was implausible, seeing as the transactions were clearly a result of fraudulent use of my personal information and/or my debit card number. In response, the agents told me to reach out to the merchants then, instead as they were not going to assist me any further with the matter unless I provided them with documentation that I would never realistically have due to the nature of the scenario. I have attempted to reach out to each of the merchants XXXX XXXX  ( XXXX prior to and after contacting my financial institution ), to no avail. Capital One Bank Corporation has essentially told me to just deal with the fact that my hard earned money was stolen due to fraudulent use, which is beyond disgusting to know that a company would approach this type of situation in such a manner. I hope to have this resolved promptly without having to seek legal recourse against Capital One, however, I am somewhat unconfident that such a resolution will be provided by Capital One, based upon my interactions with their staff, thus far.
Consumer complaint received 2023-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues.

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 2024-07-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (IL)

On XX/XX/XXXX, I made an international transfer in the amount of {$2000.00}, today its been 8 days and I still havent received the money! Please give me my money back!
Consumer complaint received 2024-07-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (LA)

I am writing to express my deep concern and dissatisfaction with the actions taken by Square Inc. regarding holding of my funds. On XX/XX/year>, I considered setting up Square for my small business. I had XXXX of my customers split a payment into XXXX parts, totaling {$1000.00}, and make payment on my Square via invoice. This was the only customer I used my Square account for, and both transactions, split into {$500.00} and {$550.00} respectively, and the payments were successful. I provided services to my customer in accordance with what I was paid for. However, on XX/XX/year>, I received a notice from Square, stating that they can no longer support my business and that they are deactivating my account. Furthermore, they mentioned that my funds will be held for a period of 90 days, which is set to expire on the XXXX of XXXX, and they would release my funds XXXX business days after that. Upon receiving the notice, I was at a loss as to why they would choose to close my account after my customer had just paid. The transactions were split into XXXX by the same client, and the services were already provided for. I reached out to my customer to file a dispute and have my payment made via a different means. She filed a dispute for {$550.00}, but the other {$500.00} we couldn't dispute. I reassured my client not to worry, as I would wait out the 90 days and get the funds when released. Square held my wages, income, and possible state and federal taxes for a complete period of 90 days. Just when I thought the wait was over and it was time to get my wage, I was still not able to transfer my funds. On what grounds or what purpose is my funds till being suspended? Because I chose to process payment through Square, they have made my business and my life incredibly frustrating. As a XXXX senior who chose not to give up and XXXX XXXX XXXX XXXX, Square is trying to XXXX XXXX XXXX XXXX XXXX XXXX. I earn little, and these people are trying to take a lump sum away from me. I want my money. 
I have reached out to them countless times, they dont respond, they leave customers like myself and thousands of others who have had to go through such horrific experience scourging in debts and poverty. 
This is a pure act of scam and wickedness!!!!!!
Consumer complaint received 2024-04-12
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. (MD)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

There is information that is on my consumer report that is there as a result of Identity Theft. I did not provide written permission or instructions for the identified transactions to be placed on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block this information is not being made in error : nor is my request to block this information being made on the basis of material misrepresentation of fact be me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. See the identity theft report for more details.
Consumer complaint received 2024-04-12
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. (FL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-10-30
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-06
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: EQUIFAX, INC. (NC)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX XXXX  Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX under 18 U.S.C . 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately 6. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Consumer complaint received 2024-07-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

I originally purchased this property XX/XX/XXXX with payments made for a total nearing XXXX dollars. I requested back in XXXX then in XXXX via phone for papers to get forbearance and or modification. My loan was originally XXXX XXXX and I never took the settlement check they attempted to send me for my loan process. 

I have paid faithfully without fail monthly up until XX/XX/XXXX where I fell and XXXX XXXX XXXX XXXX and could no longer work. I called the mortgage company and explained that as well. Currently, I obtained a job and will start this week ; on XX/XX/XXXX I am applying for my social security income as I will turn XXXX on XX/XX/XXXX. 
Also, my mother passed in XXXX which I may get some proceeds from XXXX of her life insurance policies. Currently waiting on confirmation on that but if true then the back payments could be made immediately. 

The currently loan servicer is Select Portfolio Servicing , Inc . 

Furthermore, I had to find out the about the foreclosure through an investor. I never was properly served. When I looked up the case in XXXX XXXX I still could not find it. Also, I have contacted a foreclosure specialist in the XXXX area which I believe is HUD approved. I truly hope I will be able to resolve this issue as it is the only home I have known for the last 26 years.
Consumer complaint received 2024-04-12
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. (MD)

1. Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2023-09-26
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. (NE)

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached
Consumer complaint received 2018-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AR)

In XX/XX/2018 I disputed an inaccurate account with all three credit Bureau. Experian XXXX and XXXX ... I disputed that the account is reporting inaccurate but all three credit bureaus replied back that the account is verified. Well I look at all three credit report with Experian,, XXXX, XXXX,,, and the account XXXX is reporting inaccurate and missing information,,, Experian is showing the account to be charged off with a monthly payment {$6.00} dollars how can a charged off account be showing a monthly payment. 

With XXXX Credit report the XXXX account is showing to be sold to another lender ... so how is it that Experian showing a monthly payment of {$6.00} dollars on a charged off account that's sold to a outside lender,,, only the lender is supposed to show the balance and payments if the account is sold per XXXX report,,,, these report are all showing inaccurate information and they are missing information and not reporting 100 % accurate per the FCRA please delete from all three credit bureau, Equifax Is showing a monthly payment of {$6.00} dollars on there report,,, but it doesn't show the account to be sold to a outside lender ... so why are these credit reporting agency showing inaccurate information.. 
XXXX is showing its sold with XXXX monthly payments,,, sold to another lender Experian is showing charged off with $ XXXX monthly payment this account cant be sold and showing monthly payments on a charged off account,, delete these from all three of my account,, they are not reporting 100 % accurate information., information is missing they need to delete it,, I have copies of all three credit bureau report on this alleged account that's reporting inaccurate,
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXXXXXX XXXX  committed fraud I filed for the credit protection insurance on both of my cards from them when hurricane Ian it and I couldnt go to work for a few months and they stole the insurance money and refused to put it towards my accounts and there still trying to force me to pay it and they are making false reports to my credit file.
Consumer complaint received 2022-12-20
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westhill Financial (FL)

I unfortunately took out a loan from XXXX and paid XXXX dollars in payments of the original XXXX dollar loan. The interest rate was set to XXXX percent and the loan was almost unpayable, due to financial circumstances I had to default on the loan to afford living expenses. The interest rates and fees would not stop on this loan. They dragged it to XXXX dollars and sold it off to " The office of XXXX '' which has called my workplace and texted me repeatedly to tell me to " resolve a returned check from XXXX XXXX XXXX by today before action is taken. '' I eventually called them and they admitted to collecting this loan that originated on XXXX XXXX  and admitted the loan was outrageous. I looked up that this type of loan is illegal and most of the time not even licensed to give loans in certain states. I asked for a verification of the debt be sent to me but have yet to receive that. I'm also uneasy about the fact that one of the men speaking to me mentioned that the " court '' wont care about my circumstances, insinuating I was going to see them in court soon.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. ()

I am without prejudice the Agent AND NAME HOLDER XXXX XXXX heir FOR XXXX XXXX XXXX AUTHORIZED TO MAKE THIS COMPLAINT IN GOOD FAITH FOR TRUTH IN COMMERCE AND EQUITY. THIS IS NOT A DUPLICATE COMPLAINT ANY COMPLAINTS MARKED DUPLICATE SHOWS CONSPIRACY TO DEPRIVE RIGHTS. Today got a credit monitor alert stating account reported as delinquent when account is not delinquent or in default. XXXX XXXX XXXX XXXX IS IN DISHONOR AND HAVE FAILED ITS XXXX XXXX XXXX XXXX XXXX XXXXXXXX HAS STOP MY ACCESS TO THE ACCOUNT BUT HAS BEEN USING IT FOR PERSONAL GAIN, XXXX HAS MADE PERSONAL CHARGES TO THE ACCOUNT. We dont have access to our own credit but NFCU get to use it as it please. Whos protecting the rights and interest of the people from dishonor, corporate corruption and securities fraud?
Consumer complaint received 2024-02-08
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. (IL)

Inquiries-Per 15 US Code 1681b-Permissible purposes of consumer reports Per 15 U. S Code 1681b-Permissible purposes of consumer reports. It is illegal to report transaction history Under 1681a Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting transaction history is illegal. 15 USC 1681b states that any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with written instructions of the consumer to whom it relates, I have never given discover my written consent or authorization to add my transaction history/information or which is a violation of the fair credit reporting act. This law is backed up by P.L 90-321 ( 82 STAT. 146 ) which states that any agency can only get my report in response to a request by the head of a state or local child support enforcement agency or local government official authorized by head of such agency.
Consumer complaint received 2024-04-18
Product: Credit 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: NAVY FEDERAL CREDIT UNION (IL)

Your members are your mission. 

That's Navy Federal Credit Union 's motto. 

They treat me like I am a former member via emessage with the same run-around responses. I feel the responses are all automated/scripted as it doesn't sound like it comes from a human being because there are no names associated to each response. 

They always refer me to complete the PFA ( Personal Finance Application ). Once completed then it will be a phone conversation with a counselor. That is not necessary because I already completed one in XX/XX/XXXX and was denied. No changes since then. TODAY is XX/XX/XXXX. If I apply I will most likely be denied again. So what's the point of completing another application if no changes??? Help me help you!
Consumer complaint received 2024-07-04
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MD)

I received an Amex XXXX XXXX. This includes an email You have received an American Express XXXX XXXX from XXXX. And on there I clicked the link to validate and print the card, which loads on XXXX XXXX XXXX XXXX XXXX and shows a balance. I attempt to use this on XXXX ( using a value less than the face value of the card ). And the transaction is declined. I then tried again with various other amounts less than the full face value. 

Many people have reported having this problem starting this past year. 

When I tried to validate my account balance a second time, I went to their web site again, and it was not functioning. It told me there was a system error, and to wait a while and try again. That was three days ago, and the site still does not function and I can not check the status of my card. I called their customer service number and the customer service representative told me they were aware of the issue and were working to fix it. That was over 24 hours ago. Their site is still not working and I can not spend my money.
Consumer complaint received 2022-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

- I opened a Capital One Venture XXXX credit card on XX/XX/XXXX. The annual fee for the credit card is {$390.00}, which I was charged on XX/XX/XXXX. 
- I called on XX/XX/XXXX to downgrade the card to another credit card without an annual fee. I was told that I had already been charged the annual fee of {$390.00} on XX/XX/XXXX. 
- This is deceptive and unfair marketing, as the fee is " annual '', and I was charged the fee 5 days before the same " annual '' date. 
- I was then told that I could have the annual fee refunded if I closed the account, but would also lose all my points/ miles earned. I was also told that if I downgraded the account to another credit card ( without an annual fee ), I would not have the annual fee refunded. 
- Further, there is a {$300.00} travel credit per year for travel booked through Capital One 's travel portal. I made a transaction for {$300.00} on XX/XX/XXXX. When I asked if I would receive this travel credit, I was told that there was no way to ascertain this information. Taking into account all factors considered, I am hesitant to close or downgrade the account, for fear of losing the {$300.00} travel credit.