davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-17
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since XXXX a stickler for research, I found that under section XXXX of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-17
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. (AL)

I requested everything that was on my credit report that was incorrect that was deleted from my credit I never received them I keep getting the up date XXXX I requested everything from my old XXXX  from all credit report agency that was deleted from my credit file
Consumer complaint received 2024-03-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have opened Capital One venture X Business Credit card in XX/XX/2024. After using the card for just XXXX weeks the card was blocked for no reason and " additional verification '' was requested. I complied with the process and provided my passport, proof of address, statements, etc. The card was unblocked. After working for only a few weeks the card was blocked again for no reason whatsoever. Phone calls to the department of fraud remain unresolved, I was sent for another " verification with the back office ''. This process I was told will take XXXX business days and meanwhile I can not use the card for my business expenses. Overall, my card is spending more time being " blocked '' by the bank than used. After a considerable annual fee I paid for its use this is not acceptable. It is blocking my ability to carry out my business and causes undue stress and time wasted on the phone with agents who are unable to provide any information whatsoever. I politely ask that the company refunds my annual fee for all the inconveniences they are putting me through. I also suspect that they block people to prevent them from using the card to be given a sign up point bonus. The request for spend is very high, {$100000.00}, and by blocking the card constantly they are preventing me from meeting this spending requirement and qualifying for the point bonus they advertise. They are scamming the consumers.
Consumer complaint received 2023-02-11
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. (NV)

In accordance with the Fait Credit Reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) thats against hipaa regulation, 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 2 : it also states a consumer reporting agency can not furnish a account without my written instruction
Consumer complaint received 2023-01-17
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. (AL)

I requested everything that was on my credit report that was incorrect that was deleted from my credit I never received them I keep getting the up date XXXX I requested everything from my old XXXX  from all credit report agency that was deleted from my credit file
Consumer complaint received 2023-01-17
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. (NV)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # 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 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One is engaged in fraud. Charging me {$7600.00} for fictitious transactions that are not recorded on my checking account as cash transfer or anything else. Will not investigate the fraud or even open a fraud file with confirmation number to reference. This was my WALMART CARD that I had to cancel.
Consumer complaint received 2023-01-17
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. (NC)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$4200.00} ; XXXX FIN XXXX Balance Owed : {$2700.00} ; XXXX XXXX XXXX Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Owed : {$2500.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$4200.00} ; XXXX XXXX XXXX Owed : {$1300.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$160.00} ; XXXX Balance Owed : {$0.00}.
Consumer complaint received 2020-03-06
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. (VA)

I have contacted these companies and advised them these charges don't belong to me, they are keeping my score down, an I cant refinance my home at the lowest rate. The company and info amounts are below. 

XXXX XXXX # XXXX {$1200.00} XXXX XXXX # XXXX {$0.00} XXXX XXXX XXXX # XXXX {$100.00} XXXX XXXX XXXX # XXXX {$100.00}
Consumer complaint received 2020-08-03
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

XXXX, XXXX XXXX XXXX XXXX contacted me today and left me a voicemail ( attached to this complaint '' stating the following. This is civil claims processor XXXX here with the county. We're calling in regards to a requested summons that was issued this morning from the department of check and arbitration. They have requested that we do have you served between 24 to 48 hours at your residence or place of employment. If you would like to resolve this matter on voluntary terms, you need to speak with the plaintiff immediately at XXXX XXXX XXXX XXXX. If they do end up granting you an adjournment and you resolve the matter voluntarily, make sure they fax us over the stand down order. We need that legal document as soon as possible. If we do not receive that legal documentation, make yourself available. Thank you. Good luck. And you have officially been notified. : This is a total violation of the fair debt collections practices act 1692 d Any conduct the natural consequence of which is to harass, oppress, or abuse any person 1692 e ( 5 ) Threaten to take any action that can not legally be taken or that is not intended to be taken 1692 e ( 15 ) Documents are not legal process forms or do not require action by the consumer
Consumer complaint received 2020-03-06
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. (CA)

On XXXX XXXX XXXX  I asked on XX/XX/2019 I asked to set my account on automatic payment their response was that I could not set it on autopay. Subsequently, my daughter was hospitalized in XXXX and in XXXX my grandmother passed and I was hospitalized due to XXXX XXXX which prevented me from making my payments. I pulled my credit report and XXXX XXXX XXXX reported on my credit that this went into collections and I was not notified in writing as I moved and told them this on XX/XX/2019.
Consumer complaint received 2020-03-06
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 opened an account with XXXX XXXX XXXX in XXXX, as of XX/XX/XXXX that account was paid off in full. Instead of the credit bureau showing that the account was paid in full and there is nothing owed on this account, it shows account was closed. My credit report score did not increase. I truly believe that is due to my race the amount of the debt that was paid off was XXXX instead of helping my credit score this hindered it. It did not go up but went down. XXXX made a comment stating keep try to keep accounts opened.
Consumer complaint received 2023-05-25
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. (GA)

I submitted a LOT of complaints for the past months but there are still FRAUDULENT ITEMS on my credit report. I do not have any idea regarding these fraudulent accounts on my credit report. Please REMOVE it from my credit report. This accounts are not MINE.
Consumer complaint received 2023-06-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

On XX/XX/2023 I responded to a Citibank Promotion. I opened a savings account following the link provided. I deposited {$100000.00}. the next day. The promotion was for {$5000.00} if I leave it in the account for a specified period of time. I call the bank on XX/XX/2023 to find out when I can withdraw my funds. I was told after a long time on hold that there was no promotion on that account. I requested to speak to a supervisor. They said they didn't see any promotion. I then threatened to bring a lawsuit and close all my accounts.At that point the supervisor said " Oh wait i have good news, there is a promotion and I have meet ALL the requirements and can withdraw the money. She said the funds will be deposited on XX/XX/2023. I told her that Citibank will not allow me to transfer all $ XXXX in one months time.She said just initiate a transfer from your bank. Which I did that day. I called back XX/XX/XXXX and they said there is no promotion on that account, that took XXXX minutes.I asked to speak to a supervisor who said that I didn't fund the account within the 20 days I was allowed. I told him, is name is " XXXX '' that funded it the next day. At that point he said he would have to send it in for review. He got his information form the first review which was incorrect. I am fed up with their incompetence and downright deceptions.
Consumer complaint received 2023-06-09
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 always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem
Consumer complaint received 2023-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 2023-05-25
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. (IL)

Hello My name is XXXX XXXX. I am reaching out with concerns of my credit status with TransUnion, I contacted Indigo explaining my reason for high balance do to me being in the XXXX XXXX XXXX XXXX XXXX  during the month of XXXX, as I was not able to work and needed to use my card for my family. I'm asking to have the reporting to the credit bureaus ( XXXX ) be removed of negative reporting, I'm trying to buy a home for my family and that month in the XXXX  set me back.
Consumer complaint received 2023-03-21
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: Experian Information Solutions Inc. (AZ)

An inquiry was made in n my report by error. XXXX XXXX XXXX XXXX ( XX/XX/2023 ) I did not authorize this inquiry.
Consumer complaint received 2022-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I started an account with Bank of America in 2017 when I was living in XXXX XXXX. However, I came back to XXXX ( where I'm from ) and the money is still there. My card expired and because of that I can't transfer my money back to XXXX. I have been waiting since XXXX for a new card to arrive. It was issued TWICE and still hasn't arrived ; I've had practically NO HELP from Bank of America. I can't download the app because it simply does not appear on the XXXX in XXXX, and, because of that, I can't transfer the money without a debit card. 

There's a Bank of America office here in XXXX XXXX ( where I live ), but it's an investment bank and I've been told that : they can't help me and that my card can not be delivered there ( which, honestly, would make this whole situation a lot easier ). The bottom line is : Bank of America is detaining MY money even when I've expressed my urgency to transfer it back to XXXX MANY times. 

My problem has, so far, NOT been treated with respect nor has my situation improved in ANY way. I've been thrown around, calling different phone numbers ( which greatly raised my phone bill ), and treated as if this was MY problem and not THEIRS to solve. 

Honestly, I would expect this behavior from a totalitarian country like XXXX or XXXX, but never from the United States. It is SHOCKING how a XXXX XXXX institution is so careless and simply does NOT CARE about the fact that they are retaining MY money from me.
Consumer complaint received 2023-01-17
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. (CA)

I want to provide proof to XXXX XXXX XXXX that there was no late payment made on my XXXX XXXX XXXX XXXX XXXX XXXX. I have already opened a case for which I received a response but, unfortunately, whomever reviewed the case missed the mistake made when XXXX posted my payment in XXXX of XXXX. XXXX sent an itemized list of my payments and when I reviewed this list, it became clear to me where the mistake was made and how it threw off the proper recording of payments between XX/XX/XXXX and XX/XX/XXXX. I have included a copy of my payment report, here. If you go through this report from the beginning, XXXX payment at a time, you will see that the XX/XX/XXXX payment ( the payment that is reported as being late ) was, in fact, paid and posted to the account XXXX days before the due date of XX/XX/XXXX. The mistake that throws everything off is in XX/XX/XXXX when the XX/XX/XXXX payment was assessed but WAS NOT MARKED FOR XX/XX/XXXX. Instead, the XX/XX/XXXX payment, once posted, was marked as the XX/XX/XXXX payment. As a result, all the ensuing payments were marked XXXX month off. When I traded my car in for a new model in XX/XX/XXXX, I was told not to make my XX/XX/XXXX payment, however, XXXX was calling me that they hadnt received the XX/XX/XXXX payment so I made the XX/XX/XXXX payment anyway on XX/XX/XXXX ( well within the 30 day grace period ). Unfortunately, because of the mistake a year earlier, XXXX thought that the XX/XX/XXXX payment was for XX/XX/XXXX ( because all the payments from XX/XX/XXXX were mismarked XXXX month behind ) when that XX/XX/XXXX payment was actually for XX/XX/XXXX. That last payment on XX/XX/XXXX was even refunded by XXXX because it was considered an extra payment after my new lease. NOTE 1 : I need this corrected on my credit score as soon as possible as I am trying to buy a home right now and this has damaged my ability to do so by unjustly lowering my XXXX XXXX. NOTE 2 : I don't authorize XXXX XXXX XXXX to run a XXXX XXXX on my XXXX XXXX again
Consumer complaint received 2023-05-25
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. (IL)

I HAVE UNAUTHORIZED CREDIT INQUIRIES ON MY REPORT. THE INQUIRIES ARE XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.
Consumer complaint received 2022-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CT)

I received a promotional offer from Chase XXXX XXXX Credit Card to receive 5 certificates, each worth XXXX points and good for 1 nights hotel room, upon acceptance, meeting the spending requirements and paying annual fee. Applying online, there was not a place to input promotional code ( XXXX ), so I called Chase to see what to do. I was told to fill out application and the offer would be picked up by my name. No worries! 

I applied, received my card, spent the required amount in the specified time period, paid the annual fee, and then only received 3 certificates. I contacted both Chase and Marriott several times, XXXX XXXX, XXXX. XXXX and XXXX, XXXX. XXXX and XXXX, and XX/XX/XXXX. Each time I was told they would check on it. After I sent them a copy of the offer and was told I did not qualify, I finally contacted XXXX XXXX, Chase PR Manager in XXXX, Ohio. The response I received was that I did not qualify without any explanation. With a credit score of over XXXX, I can not imagine what the qualifications must be. I feel that if you are offered a promotion and you do not qualify, you should be notified so that you may decide whether to accept the card with a lesser benefit. It appears that Chase is deceptively using a promotional offer to get new customers and not fulfilling their offer. If one does not qualify, I feel the applicant should be notified and told what the qualification was and why the applicant did not meet that. Finding out you would not receive the offer after paying the fee and using the card seems fraudulent, deceptive and unethical. As XXXX year Chase customers, their promotional practices are disappointing.