davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-14
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. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (AZ)

PayPal erratically rejects ( but sometimes approves ) transactions to send money to my family members from my U.S. Government-issued XXXX debit card ( XXXX XXXX ) and won't tell me the correct reason why. They keep telling me to contact my bank. I have done that, and my bank says they did not decline my debit card. 
The amount I tried to send was a fraction of the available balance on my debit card. 
I am a XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX-era veteran. 
When I was on Active Duty, I engaged ( for an injured Servicemember ) help from U.S. Senator XXXX XXXX. More recently, I got satisfactory resolutions from U.S. Senators XXXX XXXX and XXXX XXXX. 
Thanks, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( Retired )
Consumer complaint received 2024-03-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MA)

I am a full class member of the settlement XXXX XXXX  XXXX docket XXXX. As a full class member, I was due to have a full cancellation/deletion of my student loans, refunds on payments made, and the items removed from my credit report by XX/XX/2024. As of XX/XX/2024 none of this has happened and despite concrete evidence that my loan servicer, Mohela, they claim that they have no knowledge of the settlement despite there being over XXXX class members as part of the settlement. The US Department of Education and Mohela are in breach of the settlement terms and it has now been over XXXX since the deadline for relief to be provided to me. I have made countless calls to both the ED and Mohela and have wasted hours if not days of my time at this point waiting on hold just to be transferred from department to department, given incorrect information, and they refuse to remove the loans according to the terms of the settlement.
Consumer complaint received 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (VA)

When I opened a card, my account was linked to another person with my same name located in XXXX. Nothing matched. I am located in XXXX, never lived in XXXX. They are nowhere near my age. Our birth dates are different, our emails are different, address is different, phone number is different. They card is also linked to my rewards account, but my card isnt linked to my own rewards account
Consumer complaint received 2023-07-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX USD from my Coinbase account to fraudulent investment firm ( s ). Once the transfer completed and investment began, I tried to withdraw and the withdrawal now a problem ( not allowed me to withdraw ) and gave me a sign of scam. I then began to work with Coinbase customer support to help me transfer back but Coinbase denied my request ( see attached complaint letter for more detail ). Thanks,
Consumer complaint received 2023-04-11
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/2023 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 2023-03-12
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. (NV)

Recently tried to buy a house and realized there are inaccurate unverified fraudulent damages under the name of XXXX XXXX. According to the 15 USC 1681 law these damages are defamation to my character. I have attempted to reach out to this company 3 times starting from XXXX if 2022 prior to this complaint to resolve this error and have only received a system generated correspondence. No proper investigation or proof/method of validation was provided.
Consumer complaint received 2023-11-09
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: EQUIFAX, INC. (MO)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXXXXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-09-14
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. (IL)

Please accept my official written notification that I suspect inappropriate Credit Inquires reporting and I'm seeking clarity to if or not the alleged information injurious to me was done so in accordance with laws. I demand elimination of claims not certifiably compliant in reporting accuracy and completion mandates and or not yet physically demonstrated of confirmed documented proof of verification and validation absent incertitudeness. 

I have attached my submitted Identity Theft Report that was filed on XX/XX/2023 for your review.
Consumer complaint received 2023-09-14
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: EQUIFAX, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX Balance Owed : {$100.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$40.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$190.00} ; US DEPT ED XXXX Balance Owed : {$1900.00} ; US DEPT ED XXXX Balance Owed : {$1100.00} ; US DEPT ED XXXX Balance Owed : {$3200.00} ; US DEPT ED XXXX Balance Owed : {$4100.00}.
Consumer complaint received 2023-09-14
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX Balance Owed : {$100.00} ; XXXX XXXX XXXX XXXX  Balance Owed : {$40.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$190.00} ; US DEPT ED XXXX Balance Owed : {$1900.00} ; US DEPT ED XXXX Balance Owed : {$1100.00} ; US DEPT ED XXXX Balance Owed : {$3200.00} ; US DEPT ED XXXX Balance Owed : {$4100.00}.
Consumer complaint received 2024-03-13
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (TN)

I had just received a replacement card upon reporting card stolen due to previous charges. I recieved a text alert if a one time password that I did not request. I logged in and placed a hold on my cards. Thirty minutes later someone created a virtual account and my balance was reduced by almost {$1000.00}. While my account was frozen. I have made multiple request to get this resolved.They have repeatedly allowed someone else to access my account and change my usernames and passwords.Their call center requires that they call you back from a different number and then they ask you to verify everything on your account. Their fraud department repeatedly freezes my account but allows someone else to access it illegally. I have filed police reports as well as disputed these transactions within thirty minutes of them taking place.i believe my calls are being rerouted somehow and I am actually speaking with the scammers. I have changed passwords usernames and pins and am currently unable to access my funds as thos is the third or fourth time I am waiting for a new card to arrive after them forcing me to report both of my new ones stolen which I had one that I had not even activated recieved only two days ago. My check is direct deposit and will go in today. They refuse to settle my disputed transaction that happens XX/XX/2024. I have contacted customer service and their fraud department many times and spent over four hours on the phone, filed written disputes, and submitted all documents.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

It appears that my credit file has been compromised. Again, I was going through my records & noticed items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items or information that is found to be opened due to identity theft. The dispute items do not belong to me. Please remove these items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I did not consent to authorize the sharing of my nonpublic information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never given proper disclosures or the ability to opt out of my info being shared. I have not benefited from any of these transactions. I believe I am a victim of Identity theft. Please block, delete, and remove them immediately from my consumer report.

Also, I did not consent to authorize the sharing of my nonpublic information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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 2022-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (FL)

I am very hurt that I contacted Discover Bank to let them know I had my unemployment the end of last year which is why I had troubles making payments. I have always been on time and keeping my credit card in good standards but Due to covid related reason I had trouble. When I contact discover for any solutions they had for me to continuning doing business. I was told that I enrolled into a special plan where i make {$97.00} as a payment plan and it wasnt going to be closed. Next thing I know Discover closed my account. I am very hurt in this time of the pandemic.
Consumer complaint received 2023-09-14
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. (FL)

I did not consent to authorize the sharing of my nonpublic information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never given proper disclosures or the ability to opt out of my info being shared. I have not benefited from any of these transactions. I believe I am a victim of Identity theft. Please block, delete, and remove them immediately from my consumer report.

Also, I did not consent to authorize the sharing of my nonpublic information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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 2023-09-14
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. (IN)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2020-03-16
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. (CA)

XX/XX/XXXX - paid {$1400.00} to XXXX in XXXX as a speaker for World Congress of Nursing Conference ( WCN XXXX ) with my Citibank Mastercard XX/XX/XXXX - wrote the company for cancellation and refund due to conflicting schedule at work to attend the XXXX XXXX event ; company would not want a refund. Instead offering other conference for me to attend which I am unable and declined. 

XX/XX/XXXX - called Citibank Mastercard about the issue and advised not to pay XXXX Citibank was aware that Conference organizer was contacted to settle the issue in good faith via formal letter and email but to no avail, it was unsuccessful. 

Citibank acknowledged and cancelled my current Mastercard credit card and replaced with a new card to prevent charging from the said company. 

XXXX Citibank called updating me that transaction was not made with XXXX XXXX. 

XXXX Dispute was resolved in favor of me. XXXX XXXX was not paid with {$1400.00}. Reversed the charge on my billing statement. 

XX/XX/XXXX - Billing statement showed {$1400.00} was charged back to my credit card account. Called Citibank to clarify about the dispute. Customer service XXXX from Citibank was insisting that transaction was not fraudulent but I again explained that effort and diligence was done at my end the soonest by contacting both organizer and citibank about my cancellation and asking for a refund from XXXX XXXX should charges were made. Also, brought out that the issue was been closed and resolved on my favor. And I clearly stated to XXXX that I will not be paying the {$1400.00} with my hard earned money especially with this pandemic situation where people are financially tight. 

I asked to talk to a citibank credit card manager but was unavailable and will call me back within 24 hours. 

I want the {$1400.00} charged to my billing statement be taken out. 

Your kind assistance is highly appreciated. 
I have all the documentation showing my diligence in communicating with the conference organizer. 

Also, I am available anytime should you have any questions to clarify things. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (TX)

I deposited a check from XXXX XXXX for XXXX and it posted after XXXX the next day but funds were not available in acct. I called corporate number and they assured me it was not PNC but the issuer who had not released the funds. I spent the next 2 hrs trying to contact them and then the branch told me that was lie and the bank did place 5 day hold.I have previously deposited a XXXX check and XXXX. Was available immediately. but with this one none. Because of this I am not able to pay my internet bill this week and a bill that I had XXXX days same as cash will not gain about XXXX in interest cause I was not able to pay
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I requested that the information be validated ( requested a copy for the original creditors ) which I never received. 
Under the law of 15 USC 168e ( b ), I was not granted the requested information in writing.
Consumer complaint received 2023-09-14
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)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-03-14
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I requested a credit line increase in early XXXX. On XX/XX/XXXX I got a digital alert in my Capitol One account telling me that I needed to provide proof of income via XXXX  months pay stubs. 

The problem was that I needed to fax them the documents within XXXX days. I don't have a fax machine. 

I called customer support several times over the course of XXXX weeks and they always responded with the same scripted response that fax was the only possible way to send this information. Is anyone even getting credit line increases at this company if they need to have a fax machine?