davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Total Card, Inc. (AL)

I have a credit card with a total visa. I have been late with my payments. But I am currently paying down my balance. I am a total of {$200.00} over my credit limit. But with the late feels because I can't pay the full balance to get my account current and below the credit line. I am having a hard time paying down my balance.
Consumer complaint received 2021-03-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IL)

XX/XX/2021 This is fraudulent, I have blocked a similar text a week ago and have also emailed the text to XXXX XXXX text from XXXX the text states : Your On-line has been *Disabld* Proceed Here : http : XXXX
Consumer complaint received 2017-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I received a copy of my credit report and TransUnion is reporting 2 accounts with XXXX XXXX XXXX & XXXX XXXX XXXX as being in Bankruptcy and that not correct. Please any help you could give me would be appreciated. Those two were not in BK.
Consumer complaint received 2024-04-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE (FL)

XXXX has added a collection account to my credit report. However, this account was listed in a police report as identity theft. This was confirmed by Barclays bank and was removed from my credit report by them. XXXX has no right to have re-added this account to my credit report or make any attempt to collect. I'd like this addressed immediately by XXXX  or I will be forced to hire legal counsel. XXXX has also already removed this from my credit report after confirming the account wasn't mine and is reposting it in violation of the fair credit reporting act.
Consumer complaint received 2024-04-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/2024 I paid {$130.00} with my Bank of America checking account for XXXX beds in a hostel called the XXXX XXXX XXXX in XXXX, XXXX. I found and paid for the hostel through XXXX, and I bought XXXX beds : XXXX in the male dormitory for myself, and XXXX in the female dormitory for the friend I was traveling with. My friend and I were to stay in the XXXX XXXX XXXX from XXXX XXXX, XX/XX/2024 We arrived to the hostel around XXXX, and in the instructions I was sent by the staff over email, we were supposed to check in ourselves. When we got to our room, we found that it was mixed gender, unlike what I had paid for, and that our beds and designated lockers were occupied. There was no staff in the building to speak to, so my friend and I had no choice but to leave. We booked a new hostel, the XXXX XXXX XXXX XXXX XXXX  XXXX, charged to the same card. We stayed there for the remainder of our time in XXXX. 

On the XXXX, I contacted XXXX through email about the occupied beds, but they refused me a refund. After I returned from my trip on the XXXX of XXXX, I disputed the transaction with Bank of America, on the grounds that I did not receive the services I purchased. However, this dispute was also denied on XX/XX/XXXX, with the reasoning provided being that XXXX said the transaction was valid. 

I believe that my case warrants further review. I paid for a service that was not provided, which clearly indicates a failure of service delivery on the part of the XXXX XXXX XXXX. The lack of on-site assistance further aggravated the situation, leaving me late at night in a foreign country without the accommodation I had reserved and paid for. 

Given these facts, I respectfully request that Bank of America re-evaluate my dispute and consider the issuance of a refund for the aforementioned transaction. I have attached all relevant documentation pertaining to this case, including correspondence with the XXXX  platform and the initial transaction details. 

Thank you for your attention to this matter. 




Attachments : Booking Confirmation Correspondence with XXXX  Platform Proof of Payment Denial of Claim by XXXX  Platform Record of Transaction Dispute and Denial
Consumer complaint received 2023-04-14
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)

XXXX, XXXX and Transunion are violating my consumer rights. 
I have been violated, I have found late payments reporting no my credit report based on the laws Im a consumer, you can not report these negative remarks on my credit profile according to 15USC 1681a ( 2 ) exclusions, ( i ) A consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. This is hurting my report, this is causing me to be denied credit.

Please see the definition of a Consumer report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 

Please see definition of a consumer ( c ) The term consumer means an individual. 

Please see the definition of a person ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 

Please see listed accounts reporting late payments 1. XXXX LATE PAYMENTS REPORTED XXXXXXXX XXXX XXXXXXXX LATE PAYMENT XXXX. XXXX XXXXXXXX LATE PAYMENTS XXXX. XXXX XXXXNO ACCOUNT NUMBER LISTED- XXXX LATE PAYMENTS
Consumer complaint received 2024-04-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Security Credit Services, LLC (FL)

Someone got ahold of some of my information and was able to get XXXX cards in my name, XXXX for XXXX bank and another one to purchase furniture from a company. I was able to get some information and have already filed a police report to get this taken care of. My detective was unable to get the companies to comply with the warrant because of where they are located. How ever i have the police report, the detectives on standby to help me at anytime to get this off of my credit that it has already damaged to prove this wasn't me. I have been to court for this twice now and it was thrown out the first time because the company could provide no evidence it was me and never even worked with the prosecutor and now they have taken me to a different court room. I have even sent in the police report like the companies have request to get this taken off my credit and they have failed to get back with me or even work with me.
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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. 

XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 an 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 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Early Warning Services, LLC (FL)

In 2019 I was new to the country, I was so happy that I got my paper and I could finally be able to work. I didn't know that they could scam you with checks and job offers. I was just happy to be able to help my family. I became the victim of. a scammer, they offered me a job, they sent me a form to fill in, which I clicked and they also hacked my email and computer and took all my information. My " employer '' gave me fake checks and made me do errands for him, all of them were gift cards. I realized a few days later that everything was a lie, when my bank account was overdraft and the money wasn't back, the lady from the bank told me how everything works and I found out I have been scammed, crying and desperate to get back the money, the scammer went away and I took all the evidence to the police, emails, texts, forms and phone numbers. 
I haven't been able since to open a bank account with my husband and it's extremely frustrating. It wasn't my fault, I didn't take the money, it was somebody that was preying on my goodwill to work and make a living. 
Not only that, I haven't been able to have a credit card or debit card because of that, now I'm trying to open a business with my husband and this could also be harmful to me and my family 's well being. 
It has been years and years, I asked a few times that this information is removed from my report, since I was a victim. I'm still a victim. I sent the police report and emails and everything in my power to prove my innocence and to make clear that I want to be free of that harmful information. 

15 USC 1681 ( b ) protects me from this fraudulent, harmful and discriminative issues.

I have been harmed, discriminated and it's hurting me and my family.

I'm asking that all the information regarding fraudulent activity is removed, the late payments that were occurred because of it and all the information that is preventing me from living a normal life, since the company is in clear violation of 15 USC 1681 ( b ).
Consumer complaint received 2017-03-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (PA)

CitiFinancial is reporting a very old account on my XXXX, XXXX, and XXXX credit reports. I do not owe Citifinancial any debt. This is just harassment form them to keep reporting this on my credit reports. I have no interest in their industry standards or company policies. Citi needs to remove these accounts from my credit reports immediately!
Consumer complaint received 2023-05-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (MD)

My small business account was sent and received ( please see screenshots ) 2 XXXX  transaction market XX/XX/XXXX. The funds still have not made it to my bank account. I was told on XX/XX/XXXX that it would come that night or the latent Saturday morning XX/XX/XXXX. Funds to the timexof this complaint have not been deposited unto my account. Truit XXXX  sent Texts to my ph showing that the payment were received. However each Truist employee and Supervisor has give a different time frame on when I will have the funds. Apparently all of the truist employees say that money was sent from customer 's bank XXXX XXXX XXXX XXXX as a delayed transaction. This doesn't make sense because I received norifocation that funds were received. Now they are telling me were received but not delivered. My local branch did contract Truist on my behalf and was not able to get a resolve. Funds are not in a pending Status but Show received XX/XX/XXXX.
Consumer complaint received 2023-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XXXX 2023 I noticed I had a negative mark on my credit report undisputed these charges which are XXXX which are not mine Ive never lived at that address on file & its not connected to my credit report at any of the XXXX bureaus its the agency is still reporting a balance I spoke with TransUnion on XX/XX/2023 I was told that the account was verified I asked them how was the account verified I was told by my social security number and name I never done business with this company which is version I have never signed any contract with them I didnt even live in the state of XXXX XXXX when these charges came about the negative marks are hurting my report in this time of me trying to purchase a home I need this negative item removed so I can buy my home without paying high interest rates thank you
Consumer complaint received 2017-10-25
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: Experian Information Solutions Inc. (GA)

Un Verified Accounts Pursuant to the FCRA & the FDCPA I am filing this complaint to exercise my lawful right to question the validity of two specific debts that all three credit reporting agencies have on my credit file and claims to have become due and negative. 

According to the FCRA, if a credit file is going to be reported on a consumer 's report it has to be properly verified by the credit bureau. The FCRA states that the bureaus are the ones that have to keep this verification on file. 

I am well aware that under the FCRA section XXXX disclosure to consumers, a credit reporting agency is not required to remove accurate derogatory information from my file, unless the information is outdated under section XXXX or can not be verified. 

All three credit bureaus have placed this information into my credit file with NO VERIFICATION! Nothing has been done as to whether these accounts are valid, hence they are Unverified! I understand that All Three Credit Bureaus have violated my rights to report these items on my credit report! 

Fair Credit Reporting Act XXXX FCRA XXXX protects me and governs the activities of XXXX reporting Agencies and regulates how they report information about me. 

They are required to have copies of the original signed credit application in their files, which they have failed to provide to me. Each time I dispute these two entries it has come back as verified within a few days, which further lets me know that they have not fully verified the accounts. They are required to have a copy of the credit application that I signed when I supposedly opened the credit account with the creditor on their files. They have failed to show that their agency verified the information and the accounts belongs to me and to show that their agency verified the information before they placed it on my credit report by identifying the proper identification required XXXX driver license and SS card ) + a written contract/request identifying me.
Consumer complaint received 2023-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.
Consumer complaint received 2023-03-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XXXXXXXX XXXX XXXX, Capital One Bank sent a digital transfer of {$10000.00} to XXXXXXXX XXXX XXXX to pay of a loan. Bank statements from both banks reflect transmission and process. On XX/XX/2022, XXXXXXXX XXXX  statement shows funds returned with no explanation. Capital One shows no such return. Since then, I have spent the last 7 months interacting with both banks to resolve this issue. Because of the banking industries rules, regulations, policies, and procedures, the banks say they can not directly talk to each other to resolve this. I have continually been put in the middle to have to call back and forth to explain each bank 's requests, needs, and requirements. Without going into the excruciating details of having to talk to, and explain in detail to, different individuals on every phone call, my complaint against Capital One is that their Payment Department has on 2 occasions not sent the Proof of Payment full information that XXXX through me requested, and when they said the right information had been sent, XXXX claims non-receipt. I then asked the Capital One supervisor of the day, if the XXXX Department would provide me, the customer, with the information, so I could directly give it to XXXXXXXX XXXX  Executive Department. I was told no. This has become a 7 month vicious cycle of one bank asking for an email transmission, XXXX, Capital One stating they can't send it via email, and fax transmissions that continually get lost. This is clearly a bank to bank issue that somehow must be resolved by them since Capital One won't provide me, the customer, with the information needed to resolve it.
Consumer complaint received 2022-11-23
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. (NV)

I have been a victim of identity theft, I have had someone use my identity with different names, addresses, and information. I need this to be investigated and fixed immediately. 

XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

All of the follow inquiries from Equifax is fraudulent : XX/XX/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
Consumer complaint received 2023-05-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo has closed my personal, business and credit accounts for the reason of " business decision ''. I am not involved in fraud, illegal activity and/ or etc. 
Furthermore, they have frozen {$1400.00} of my credit card cashback rewards.
Consumer complaint received 2022-11-25
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: EQUIFAX, INC. (OH)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have 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 an account without my written instructions.
Consumer complaint received 2022-11-23
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. (NY)

In accordance with the fair credit reporting act XXXX  XXXX account # XXXX, account # XXXX, has violated my rights. 

15 usc 1681 section 602 states that i have a rights to privacy.

15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666b : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-11-23
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. (CA)

This Company is reporting the XXXX Account ending in XXXX  and XXXX XXXX account ending in XXXX on my file inaccurately and incomplete. 

The open account status on this account is incorrect. 

It is closed and included in a bankruptcy. 

It is reported correctly with XXXX and XXXX as such. 

I have submitted more than one dispute to Equifax in this regard and they are not verifying the information. 

At this point since it is incorrect and incomplete I just want it removed from my account instead.
Consumer complaint received 2024-03-22
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)

XXXX XXXX is a hard inquiry listed which was not authorized by me. I do not have any knowledge of this company or why it's being reported on my credit report. 

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.