davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-26
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I have been extremely stressed about the business practice of Experian credit bureau. The incorrect reporting of this account has caused numerous denials from creditors due to this incorrect reporting. I have tried since XX/XX/2020 till now to get this account removed from my credit report and I have been ignored. I have submitted letters for removal of this XXXX XXXX credit account from my credit report for years. I was told that if I completed the payment plan this account would be removed within 30 days. This account is still showing on my credit report 2 years later. My credit report is very important to me and my family and this has caused creditors to deny me or give me higher interest rates. I am requesting for this account to be removed immediately from my credit report. I have been treated unfairly by this credit bureau and I feel I am being discriminated against because I am XXXX American. I have documentation from the agency that I paid and there policy clearly states they would request for this account to be deleted from my profile. I am asking for this to be removed and a copy of this update to be sent to me upon completion. I experienced tough financial times when this account was charged off but I have since been in a better financial position. I am a XXXX veteran who really needs this account removed so that I provide a better life for my family and I [ XXXX XXXX ]. I am not asking for a handout but I expected for all parties involved to respect the agreement. Please please please remove this immediately so that me and my family can enjoy the American dream of home ownership.
Consumer complaint received 2021-04-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Hi! My PayPal account is limited by mistakely. For verification in PayPal you need to submit your documents. I provide all documents to PayPal XXXX documents in my local language XXXX and PayPal limited my account and freeze money for 180 days.
Consumer complaint received 2019-08-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc. (NH)

On XXXX XXXX 2018 I bought a diamond ring for My wife for our XXXX wedding anniversery at Diamond international that they said was a XXXX for {$18000.00} when we got back Home to XXXX nh we had it appraised at a local jewler that said it was worth {$9500.00} I spoke to DI who said I had to bring it to one of there appraiser and gave me the name of XXXX XXXX at XXXX XXXX XXXX. XXXX told me the ring was a XXXX to XXXX and had XXXX chips that DI never mentioned and said yhey were probably done in the mounting of the stone. When I told this to di they said they would give me 25 % off a new mount but I have to spend double what I spent or I could get a {$45000.00} DI gift card I told this was not an option since they lied to me about my first purchase with them and told them I wanted to return the ring since it was not a XXXX that the certificate they gave me said and had two chips they never disclosed. I filed a dispute and they continue to give me bad credit rating which should not be allowed since its in dispute.
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-12-16
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. (NY)

Upon my review of my consumer reports it has come to my attention that XXXX is reporting accounts to my Consumer reports that I did not give you any express permission or permissible purpose to report. 15 USC 1681b2 As a consumer I have the right to privacy pursuant 15 USC 1681, 15 USC 1692, 15 USC 6801.

My private information is my business, my student loans are my private information, and you have reported my private information without my consent. Your actions amount to aggravated identity theft. 
18 USC 1028A.

As a consumer you have an obligation to protect my personal nonpublic information.

15 U.S. Code 6801 - Protection of nonpublic personal information- It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
You reported my confidential and private information to a nonaffiliated third party without my permission or without giving the proper disclosures. Pursuant 15 USC 6802 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless : a ) The financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; b ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party c ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I am requesting all my disclosures pursuant 15 USC 6802 B that you should conspicuously disclose to me before reporting of my non-public personal information to nonaffiliated third parties ( Experian, XXXX, XXXX, XXXX  ) I am exercising my right to opt out of having my information reported pursuant 15 USC 6802B Due to this inaccurate information on my credit report this has caused me mental, emotional stress and denigration to my character. XXXX XXXX servicer have stolen my identity, violated my consumer rights, my right to privacy and the obligation you have to maintain the security and confidentiality of my private information. 

See below on the 11 accounts that need to be deleted off my credit report immediately 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 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I sent a letter on XX/XX/XXXX to remove accounts that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5700.00}, XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$5800.00}
Consumer complaint received 2022-09-26
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. (GA)

In Accordance with the Fair Credit Reporting Act XXXX. 
Account XXXX XXXX Account # 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 consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-04-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (WA)

Attempted to withdraw {$4000.00} from my apple wallet to my XXXX XXXX XXXX  account as I have done many times before. My balance is currently over {$8000.00}. When attempting to confirm the amount to withdraw my XXXX ( currently up to date with all updates installed and recently restarted ) encounters a bug that does not allow the withdrawal to go through. I have a screen recording available upon request. 

The ONLY way to withdraw funds is via the app. You can not call their customer service like a normal bank to have the funds withdrawn. This means that there is a single point of failure in withdrawing funds, and therefore they are holding my money hostage. I believe this should be illegal. Banks should not be able to hold your money due to software issues, and should be required to provide multiple avenues to remove funds. 

It's also very suspicious that this " bug '' is happening right around the time they lowered the interest rates earned on the account. I would like the government to investigate this, and change the rules around the ability for consumers to be able to have multiple methods to withdraw their funds.
Consumer complaint received 2022-09-26
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. (PA)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-12-15
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. (NE)

Equifax I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the accounts listed below are reporting 100 % accurate. However, these accounts are still inaccurate, and Equifax is still continuing to report errors on my credit file which is causing damage to my credit score. XXXX Bank account # XXXX inaccurate payment history, past due amount on Charge Off {$1200.00} XXXX account # XXXX inaccurate payment history, amount past due on charge off account {$3900.00} I have previously requested that you investigate this information and you have failed to correct these errors, you are reporting on my credit report NOW is not the time to update I demand that you immediately DELETE this information from my credit report.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (TX)

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report.

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2024-04-05
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Newport Intermediate Inc. (NJ)

I received a Prepaid {$100.00} XXXX card as an award/incentive from my job on XX/XX/XXXX. The prepaid card is a XXXX card through Prepaid Digital Solutions. On XX/XX/XXXX, I redeemed the card and was sent a confirmation email from Prepaid Digital Solutions with details on how to access the card. I spent the full amount of the card prior to the card expiration date. Recently, on XX/XX/XXXX I was issued a refund of {$68.00} to the prepaid card for a past expense. I called Prepaid Digital Solutions on XX/XX/XXXX to have them either issue me a new card for the refunded amount or send a cheque ( as many other prepaid cards will after an account is closed and a refund is sent to the closed account ). The service representative repeatedly said any " unused funds left '' on an expired card are " forfeit ''. However, I pointed out these were not " unused funds '' left on a card but a refund returned to an already expired card. After specifying the difference, the service representative said they could not help me. I asked to speak to someone who could help me or a supervisor, and they said I would receive a call back 4-6 business hours later. They have not called back. Today, XX/XX/XXXX, I called back to review my issue and ask to speak to a supervisor and they said a supervisor could not help me either. 
If I had known they would steal the refund, I would have opted for a credit with the merchant rather than agree to a refund. Prepaid Digital Solutions is refusing to release my refund amount to me, even though these funds were not " unused prior to expiration '' as described in their terms. If Prepaid Digital Solutions won't release left funds after expiration of a card, they should not accept refunds to expired cards either. This is extremely unethical. The refund should not have been accepted and they are refusing to release it.
Consumer complaint received 2022-09-26
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. (FL)

In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX Inquiry : XXXX. XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX
Consumer complaint received 2019-10-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I borrowed {$500.00} on XX/XX/2019 online, and I have paid {$110.00} every 2 weeks since then. As of now I have paid them {$1000.00} or more, and I still can not get information on what I truly owe. There is no information on the loan online with a balance. I have no way to know how long they will say I owe them.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : Capital one auto finance
Consumer complaint received 2019-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Neon Newco Corporation (VA)

On XX/XX/2019 I received an email from NETSPEND about a credit card being opened using my email address. 

I immediately wrote to NETSPEND to report the fraud. They have not responded. 

However today I received another email that the credit card is being shipped. 

I also received an email from XXXX saying that my email was used to register a device with them. I do not own any XX/XX/XXXX products. 

Last week XXXX told me that someone from South Carolina, USA was trying to login to my account but I blocked it. 

Please take action, I feel helpless.
Consumer complaint received 2024-01-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

I went to XXXX and had a checking account with 5/3 bank. I had automatic subscriptions withdrawn from this account. I had to give someone power of attorney to handle the account since I obviously was not available to close the account. At the time my power of attorney went to the bank the bank said the account already had a negative balance. I for obvious reasons didnt have the money to pay them. But I also knew the auto payments from subscriptions would continue to come out. I explained this and they refused to close it at that time. I said that I didnt see how it made sense to continue to rack up debt I would not be able to pay if it was getting sent to collections either way at that point. They eventually sent it to collections. Now over two years later they have sold the debt and when I contact them they can not tell me who the debt was sold to. Or the amount. And I have tried calling two debt collectors asking if that was the debt they were sold. They will not answer me with out giving my debit card number. I have looked at my credit report and also can not locate the debt but I have determined the amount via my credit report through XXXX looking at my XXXX XXXX report. What should I do? Im confused as how this legal. What are my rights? I can not find any definite answers.
Consumer complaint received 2021-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (CA)

I am currently in a forbearance on my mortgage and my mortgage lender has been reporting mortgage lates on my credit, I am protected by the CARES act so the mortgage company can not report any lates on the account due to the forbearance. I have never been late on my mortgage previously to the forbearance, I requested LoanCare mortgage to correct the issue and they keep transferring me around and stating that they didn't receive the request even though I received a confirmation on the submission of the request. Please Help
Consumer complaint received 2017-06-02
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: IQOR US INC (VA)

Th e Allied Interstate, LLC, its e mployees, agents and servants are repeatedly calling me at home, cell phone and work place, and harass me for debt and or the individual I do not have any clue. In the past the individuals of  Allied Interstate, LLC  were repeatedly informed not to call me for a debt I do not have any connection. On or about    XXXX   XXXX   XXXX       Allied Interstate, LLC,  its employees, agents and servants called my work place, spoke my supervisor and  administrator  and threatened to take action for the same debt I do not have any connection.   I have requested to Federal Trade Commission and Consumer Financial Protection Bureau , ( Cfpb ) a nd requested to take action against,  Allied Interstate, LLC,  for this fraudulent debt, in violation  of 15U.S.C .  1692e ( 2 )  ( A ), threatened to take an action that can not legally be taken or that it did not intend to take, in violation  of 1692e ( 5 ),  and used a false representation or deceptive means to collect or attempt to collect a debt, in violation  of 1692e ( 10 ).     Allied Interstate, LLC a nd its alleged clients unknown to me were involved in Unfair, Deceptive, or Abusive Acts or Practices, ( UDAAP ) in Collection of Consumer Debts, and failed to comply with any obligations they have under FDCPA, in addition to any obligations to refrain from UDAAPs. Under Dodd-Frank Consumer Protection Act ( Dodd-Frank Act ) , Allied Interstate, LLC  and its clients are legally required to refrain from committing, UDAAP.    Allied Interstate,  LLCs UDAAPs caused significant financial injury to us as consumer, erode confidence, and undermine fair competition in financial marketplace.    Allied Interstate, LLC under Dodd-Frank Act invo lved in collecting debt related to any consumer financial product or service are subject to prohibition against UDAAPs in the Dodd-Frank Act.  See Dodd-Frank   Act, 1002, 1031 & 1036 (  a ), codified at  12 U.S.C. 5481, 5531 & 5536  ( a ). It is prohibited for any person, to knowingly or recklessly provide substantial assistance to a covered person or service provider in violating sectio n 1031 of the Dodd-Frank Act. See 1036 ( a ) ( 3 ), 12U.S.C. 5536 ( a ) ( 3 ).