davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (WA)

I have Barclays XXXX XXXX card. The default reward structure for this card is XXXX on restaurants, XXXX on groceries etc. on XX/XX/XXXX I received a targeted promotion offer saying that I can earn XXXX additional points on restaurant, drug store and groceries until XX/XX/XXXX and I need to activate it. Attaching proof of offer screenshot from my email. 

I went ahead and activated the offer. I also logged into my app and chatted with customer service to make sure that this offer is active. The agent confirmed it. Refer screenshots referring to XX/XX/XXXX date. 

After that I started using the card and did not seem to warn the additional XXXX points ( I used the card in XXXX which is listed as a restaurant in Barclays portal. Additionally I also did not use digital wallet payment and used the card chip payment ). I reached out to customer support to understand when Ill get the additional 3X points. Im now being told that there was no such offer and its not active on my card. Review attached screenshot referring to XX/XX/XXXX date. 

I clearly have proof that I activated offer since one their agents confirmed it on chat and Im sure Barclays has access to it as well. This is outright customer abuse by Barclays to trick me into using the card by offering more points and later saying there was no such offer. Please help me get an explanation from Barclays
Consumer complaint received 2022-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I noticed several inquiries and accounts thats fraud on my account or unauthorized applied to open accounts XX/XX/XXXX XXXX XXXX inquiry for credit never applied for XX/XX/XXXX XXXX XXXX XXXX for credit i never applied for XX/XX/XXXX XXXX XXXX XXXX XXXX inquiry never applied for XX/XX/XXXX inquiry on credit never applied for unauthorized XX/XX/XXXX inquiry XXXX XXXX  inquiry unauthorized XX/XX/XXXX inquiry XXXX XXXX XXXX UNAUTHORIZED INQUIRY XX/XX/XXXX XXXX XXXX INQUIRY NOT AUTHORIZED XX/XX/XXXX XXXX XXXX XXXX INQUIRY NOT AUTHORIZED XX/XX/XXXX XXXX XXXX INQUIRY NOT AUTHORIZED XX/XX/XXXX XXXX  INQUIRY NOT AUTHORIZED XX/XX/XXXX XXXX XXXX INQUIRY NOT AUTHORIZED XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY NOT AUTHORIZED XXXX XXXX XXXX XXXX NOT MY ACCOUNT FRAUD
Consumer complaint received 2023-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (FL)

I opened a fraud dispute under the claim XXXX, I said that all transactions made with my debit card ending in XXXX from XX/XX/XXXX are non authorized. Due a mistake from the representative he also included 2 transactions that were authorized by me on XX/XX/XXXX XXXX XXXX XXXX XXXX {$740.00} ( both same amount date and merchant ) So thats why the claim was denied. I need to reopen the case as fraud dispute taking out those 2 transactions from the claim. 

and also open another claim, merchant dispute for merchandize not received. card ending in XXXX XXXX ) XX/XX/2023 XXXX XXXX XXXX XXXX {$740.00} XXXX ) XX/XX/2023 XXXX XXXX XXXX XXXX {$740.00} both are an XXXX XXXX, the merchant must delivered the purchase on or before XXXX XXXX XXXX, they never sent the items. I tried to contact them by the website without any answer several times starting on XX/XX/XXXX I attached the letter from the bank highlighted those 2 transactions I tried to fix this by customer service, after speaking like 30 minutes with the representative the call was disconnected and I tried to call 5 times after and the answer was " we cant locate any account with that account number '', doesnt make sense if I gave the same information as the first call. Please fix that, I have the same problem many times when I call customer service.
Consumer complaint received 2022-11-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (MS)

During the Pandemic along with many others I filed for unemployment. At first I selected to have my funds sent to my account on Chime. When the second payment hit. They lock my account and told me it was due to fraud. my unemployment benefits hit my ChimeXXXXXXXX XXXX  account XXXX XXXX XXXX XXXX  in backpay in the amount of {$9300.00}. On the day of XX/XX/XXXX Chime froze my account with no warning. They question me on how I received the money, and even though after answering all their questions ; their own Representatives finding the source of the money for themselves ; proving identity several times, having my company write them an official letter. ChimeXXXX decided to close my account. And told me The only possible way for me to receive the money at this point is for XXXX to issue a Letter of Indemnity to XXXX. Keep in mind this is during the beginning of the pandemic and you couldnt get in contact with an agent at XXXX. I decide to call more higher up channels. So the officials I manage to talk ( The XXXX of XXXX ) I was told they dont issues such letters. That any letters that they are allowed to send us is already include in our back office. I understand that Chime used their right to close the account because of the cardholder agreement. However, I feel like the least they can do is send the money back to me since XXXX wont touch it.
Consumer complaint received 2022-11-02
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. (NJ)

I, XXXX XXXX XXXX XXXX, under the penalty of perjury affirm that all forthcoming statements are true. In XXXX of 2022 I submitted a CFPB complaint against Experian for reporting unverifiable public record information to my Experian credit report and file. The unverifiable public record account being reported by Experian is as listed : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Reference # - XXXX. Experian claims that this public record being reported has permissible purpose because it was verified as accurate by reseller XXXX XXXX as of XX/XX/2022 but XXXX XXXX is saying the complete opposite. XXXX XXXX is saying that the public record is unverifiable at that XXXX XXXX has made the decision to delete and remove the unverifiable public record information as of XX/XX/2022. Experian claim they investigated this dispute and that it was verified as accurate by XXXX XXXX but there is no way they attempted to investigate the accuracy of the information if XXXX XXXX is saying that the information is unverifiable. If XXXX XXXX sold this information to Experian and are now saying they can not verify the information and the XXXX Bankruptcy XXXX located in XXXX is also saying that they do not verify or validate disputed information, then that means that Experian has no way of validating this disputed public record information and shall delete the fraudulent account immediately pursuant to Fair Credit Reporting Act subsection 15 USC 1681b. If Experian refuses to delete this public record account that can not be verified or validated, then I will be forced to pursue remedy by filing a complaint with the US District Court of New Jersey before a competent court of law! Experian could be liable criminally and civilly for FCRA violations. Delete public record account immediately as it lacks permissible purpose for reporting and also continues to violate my federally protected rights now making me a victim.
Consumer complaint received 2022-11-02
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: EQUIFAX, INC. (FL)

I called Equfax to inquire WHY my credit score DROPPED XXXX points after i filed a dispute with reoccurring collection accounts. 
There was NO new debt on my report only my new Dispute on Equfax.com When i called ( see screenshot ) the woman was very difficult to understand because of her foreign accent. 
She said its " customary '' for credit scores to drop because of an investigation. 
I know this to be UNTRUE as i have been disputing the same charges that Equfax keeps allowing back ony Credit Report. 
So THIS COMPLAINT is against Equfax for unethical actions
Consumer complaint received 2022-11-02
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. (GA)

In accordance with the Fair Credit Reporting act XXXX ( XXXX XXXX ), Account # XXXX ( redacted ) and XXXX 's XXXX ( XXXX Bank XXXX XXXX Account # XXXX ( redacted ), 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 15 U.S.C 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 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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. XXXX reported a late payment on my account for XX/XX/XXXX and XXXX XXXX reported a late payment for XX/XX/XXXX. Beyond the violation of my rights, I have paid the accounts in full shortly after. These lenders, among others are still asking for my business so I must still be considered trustworthy. No harm no foul. The violation of my rights have injured my credit and myself as a person and I want these late payments removed from all credit reporting agencies, including but not limited to ( Experian, XXXX, XXXX ) or further action with the XXXX, attorney general and others may be applicable under law.
Consumer complaint received 2021-05-19
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. (OH)

This is my SECOND DISPUTE regarding the same accounts that are fraudulent and does not belong to me and still showing on my credit reports the accounts need to be deleted from my credit report immediately. Once again this is affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-01
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 (TX)

On XXXX XXXX I was charged twice on the XXXX app. The first charge was for {$130.00} and the second was for {$140.00}. On XX/XX/XXXX another purchase was attempted for {$260.00} but luckily I was hyper vigilant at this point and was able to cancel it before it processed. I contacted my bank and XXXX as soon as I noticed the charges on my account. The bank issued a temporary refund and processed a claim. XXXX had told me there was nothing they could do because the order was processed through a third party on their site. 
The bank later declined my claim due to a tracking number. This occurred in XXXX. I was instructed to contact XXXX ( which I did ). XXXX again told me they could not help me because at this point it was past window. 
I went to my post office who informed me that the packages were delivered to another address. The post office provided me with a letter stating this and I submitted the letter and all correspondence with XXXX to my bank. 
My bank has once again declined my claim. 
They stated I approved the claim and that the CVV code was provided. The CVV code was available because my card information was saved to the XXXX website because I would sometimes do curbside orders for groceries.
Consumer complaint received 2024-03-23
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. (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. 

Account Name : XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  Account Name : XXXX  : Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX 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 2023-06-21
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. (UT)

I have disputed several times with Transunion and XXXX that my bankruptcy should be removed as it is not verified. They claim to use XXXX to verify, but XXXX does not have a bankruptcy on file. I also confirmed with the Court that they do not provide bankruptcy information to third parties. All of this was sent in multiple letters, and yet they have stood by their claim that they have done their due diligence and it was verified. 

At this point, I am at my wit 's end with them and inaccurately reporting items that can not be verified through the channels they state. Furthermore, the two do not have the same information and are therefore not " accurate '' or " verified '' as they so claim. If it were, they would have the correct information and be able to provide me with tangible proof of their verification. 

Please advise on how to rectify this gross misconduct of accurate and verified reporting.
Consumer complaint received 2023-07-01
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (CA)

On XX/XX/2023 I asked my step dad to help close my store credit card account with Commenity Bank/Ulta Beauty . I had been behind on my payments by a month and they were continuously calling me. 

At XXXX XXXX. XXXX time we reached XXXX at Commenity Bank and asked her what it would cost to pay the balance in full. We also asked that if we paid the account in full that they close the account. We had some questions about asking for a goodwill removal of late reporting to the credit bureaus which XXXX couldn't answer, so she transferred us to XXXX at XXXX a.m. XXXX time. 

XXXX agreed to close the account if we would pay it in full. My step dad confirmed with XXXX the amount to be paid in order to close the account, she told us it would be {$270.00} to pay in full and close the account ending in XXXX. 

Immediately after the phone call I lost all access to my account online, getting the message that the account does not exist. This helped me confirm the account had been closed. 

The next month, around XX/XX/2023 I recieved a statement saying I had a previous balance of {$47.00} and that they had charged me a " late fee '' of {$37.00} and that the account remained opened. 

On XX/XX/2023, my step dad and I called back to Commenity customer service and spoke with XXXX. She was very unhelpful, refused to look in to the matter. When we asked her why XXXX had taken our payment in full and not closed the account or mentioned any outstanding amount other than the {$270.00}, she told us, " I don't know, maybe she was a new account representative. '' We ended the call with XXXX by informing her we would be filing a complaint with the CFPB, FTC, local XXXX and any other relevant authorities for misleading predatory lending and collections. 

We do intend to file complaints with the FTC if this matter is not resolved satisfactorily.
Consumer complaint received 2024-03-23
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. (NM)

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.

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 2023-06-21
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. (FL)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2024-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following items are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 

XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance {$26000.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX, XXXX XXXX  XXXX on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXXXXXX XXXX Inquired XXXX XX/XX/XXXX.
Consumer complaint received 2023-02-27
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. (SC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$920.00} ; XXXX XXXX XXXXXXXX Balance : {$4000.00}.
Consumer complaint received 2021-04-03
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 — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

I see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.