davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (PA)

Near the end of year last year couple of my all my accounts where hack including emails due to me having the same password across all accounts so don't know what was first but lost thousands in crypto and charges where made on a couple of my credit cards where the indivuals where even ordering additional card holder under my accounts. The crypto money I completely lost due to it having no recourse but my chase business credit caught it an stopped the charges rifht away an call me to confirm thats when i became aware but the real issue is ihave a barclay XXXX credit card that had multiple unauthorized transactions charged on it from XX/XX/2021 to XX/XX/XXXX XXXXdue to the lack of security or due diligence on Barclay 's behalf they allow around XXXX in charge to be approved even though I only have a XXXX credit limit apparently they where making fake deposit or using a foreign bank account to make payments on my card while they kept charging an barclay didn't catch it until I called them asking them why they haven't blocked the card or even call me to confirm the criminals cause it's definitely more than 1 seem to be XXXX they sent around XXXX in XXXX payments to XXXX under two different names they also where able to order additional card holder cards an sent to other address " barclay didn't want to disclose address to me even tho it's my account I would of found them myself ''. Long story short they reversed all charges in XXXX and in XXXX or XXXX they reapplied all charges to my account due to there investigation being inconclusive since when they asked me about the physical credit card whereabouts I told them its still in my possession I had not lost my wallet nor any of my cards but somehow I was hacked or cloned I provided them with the police report filed listing all un authorized transactions for them to reinvestigate and again they said it's inconclusive an decision stand I asked for the investigation report as to how they made there determination an to what extend was this looked into an they denied to provide any information but want me to pay XXXX in unauthorized which are all individually stated in the police report this has become a huge financial burden cause now I'm making XXXX minimum payment until I get resolution and need further guidance or assistance as to what to do next to get this situation cleared up my other credit cards resolved the issue quickly internally but barclay was scammed the most an doesn't want to fix there mistake on lack of security
Consumer complaint received 2018-05-07
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. (AZ)

This is the second written request asking the companies ( XXXX, Equifax, & XXXX ) to  provide a copy of the original creditors documentation ( a consumer contract with my signature on it ) to verify that this information of mine is correct. 
I would like to know who verified these accounts? I have not been provided with any original documentation. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. 

First request XX/XX/XXXX Second request XX/XX/XXXX
Consumer complaint received 2024-05-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Opportunity Financial, LLC (FL)

I am writing to you regarding a matter of utmost importance concerning an identity theft incident that has severely impacted my financial well-being. I have recently become aware of an account that is not of my doing and is the result of fraudulent activity. I am requesting your assistance in accordance with Florida state laws and FCRA During the mentioned period, I was XXXX overseas and did not have access to my account or my personal devices due to the nature of my service. Furthermore, I was made aware that my identity was compromised through a SIM swap scam and email take over, which allowed unauthorized individuals to gain access to my accounts and personal information. 


XXXX account # XXXX date open XX/XX/year> It is a fact that I am aware that the term " identity theft, '' as defined in 15 U.S. Code 1681a ( q ) ( 3 ), and Regulation V 12 CFR 1022.3, refers to a fraud committed or attempted using the identifying information of another person without authorization. This unauthorized account with XXXX/OPPLNS is a clear instance of identity theft as defined by the aforementioned laws. 
i have attatch police report I, XXXX XXXX, solemnly declare under penalty of perjury, that the information provided in this letter is true and correct to the best of my knowledge and belief. I did not authorize or engage in any transactions with FNWSE/OPPLNS or the associated account number mentioned above. I have attached copies of supporting documents, including the police report, to support my claim. 

I respectfully request that you promptly investigate this matter and block remove the information related to this identity theft from my credit report, as permitted by 15 U.S. Code 1681c-2 ( a ). Furthermore, I request that you provide me with a copy of my credit report that reflects this blocked information. 

Please send any correspondence related to this matter to the address provided above or contact me at XXXX if you require any additional information or clarification. I appreciate your prompt attention to this matter and your assistance in resolving this issue. 

Sincerely,
Consumer complaint received 2022-07-22
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. (NY)

Provide how these accounts were Validated or Delete the following accounts reporting inaccurate and obsolete information. 

1. XXXX  XXXX This account is reporting inaccurate illegal misinformation. This reporting is causing extreme stress and financial pain. This Account was claimed to be verified, how was this account verified with inaccurate information? Please provide method of verification, and original documentation proving this account to belong to XXXX XXXX. 
a ) Promptly delete that item of info from the file of the consumer. 
2. XXXX This account is reporting inaccurate illegal misinformation. This reporting is causing extreme stress and financial pain. This Account was claimed to be verified, how was this account verified with inaccurate information? Please provide method of verification, and original documentation proving this account to belong to me. 
b ) Promptly delete that item of info from the file of the consumer. 

3. XXXX  XXXX After reinvestigation under paragraph 1 of any info disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall c ) Promptly delete that item of info from the file of the consumer. 

Violations being reported : 15 U.S.C. 1692g 15 U.S.C. 1692e
Consumer complaint received 2018-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Neon Newco Corporation (OK)

I received a XXXX pre-paid card in my name when I never applied for one. The account was opened in my name and sent a card ready to use. I never wanted one nor will I ever want to open up one with them. I have never even heard of this company. I cant understand why they would do something like this. There is normally a process involving talking to the customer etc. I still cant understand how they did all this without my permission and me starting the process and talking to them. They need to quit doing this to people and cancel mine.
Consumer complaint received 2018-07-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CA)

I just received another letter from Caliber Home Loans asking me to deposit funds in account number : XXXX ABA routing number : XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX and don't know why? I would like the CFPB to investigate this. Also they have failed to present the original documentation to the Bankruptcy Appellate Panel in the XXXX District in XXXX, CA, Appeal Number : XXXX. This all smacks of fraud since they are claiming I owe then {$310000.00} when I filed a Chapter XXXX Bk in XX/XX/XXXX and made both pre and post-petition payments on time. I am requesting the CFPB to audit this loan which was originally taken out in XX/XX/XXXX for {$310000.00}.
Consumer complaint received 2022-07-22
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. (PA)

My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents and ID as it contains my full complaint and requests. I am hereby notifying you that neither on those dates or dates similar did I authorize any individual from the listed companies to pull or review my consumer report. Additionally, I have not given Experian this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated.
Consumer complaint received 2022-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Payfare International Inc. (TX)

On XXXX my card account was hacked and my login info was changed and I could not access my account. I had XXXX dollars in the account at the time it was hacked and stolen. I contacted the company ( payfare ) and was told it would be looked into and they would get back with me in 24 hours. After 24 hours I was not contacted so I contacted them again and was told it was still being looked into and would be another 24 hours. I still have not heard from them after a further 24 hours.
Consumer complaint received 2020-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

I attempted to use my Capital one credit card in XX/XX/XXXX and spoke with an agent who advised me my card was expired. A replacement card was sent then which I never received. 

I called again in XXXX to ask where this replacement card was and agent assured me it would be resent. 

It is now XX/XX/XXXX and I have yet to receive this replacement card. I received an email stating my account is to be closed on XX/XX/XXXX because of inactivity. I can only assume my card was sent to the incorrect address multiple times. Now my account is being closed because I did not use a card I NEVER RECEIVED. 

Upon speaking with a capital one supervisor on XX/XX/XXXX I was advised even though the account is being closed on XX/XX/XXXX it can not be reversed. I was unable to use my card due to Capital Ones error in mailing my card to incorrect places so they should correct this issue caused by their own error.
Consumer complaint received 2018-05-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Tri-State Adjustments, Inc. (MN)

The company below has placed an old XXXX XXXX account on my credit report opened XX/XX/2014. I have never received anything in the mail from them and I have never done business with them. They are reporting this erronouse debt twice on my credit report with two different balances, {$310.00} and {$170.00}. This negative report has ruined my credit and cause me to be denied for new credit multiple times. 

TRI-STATE ADJUSTMENT XXXX XXXX XXXX XXXX. 
XXXX  XXXX, WI XXXX ( XXXX ) XXXX
Consumer complaint received 2022-07-22
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. (CA)

I sent a letter to all three credit bureaus in XXXX of XXXX  requesting an investigation of items listed on my credit reports, XXXX has never responded, Trasunion is denying me my right to a full and thorough investigation by insinuating I am not myself after receiving proof of identity, and XXXX has never responded by mail with an updated credit report or results from items that I have requested an investigation be conducted on, it is now XXXX of XXXX over the time limit for the credit bureaus to respond I am now forced to file a complaint on all three.
Consumer complaint received 2022-07-22
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: Experian Information Solutions Inc. (CA)

I sent a letter to all three credit bureaus in XXXX of XXXX  requesting an investigation of items listed on my credit reports, XXXX has never responded, XXXX is denying me my right to a full and thorough investigation by insinuating I am not myself after receiving proof of identity, and Experian has never responded by mail with an updated credit report or results from items that I have requested an investigation be conducted on, it is now XXXX of XXXX over the time limit for the credit bureaus to respond I am now forced to file a complaint on all three.
Consumer complaint received 2024-05-29
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: Informative Research (FL)

I am filing a complaint against XXXX hard inquiries shown on my credit report. On XX/XX/year>, I recalled opening a checking account with XXXX XXXX, but I did not apply for any loans with them. However, I see that there is a hard inquiry made from that company on my credit report, which credit unions are not supposed to pull credit/or credit check when opening a check or savings account. There was also two other hard inquiries dated on XX/XX/year> from XXXX XXXX and XX/XX/year> from Informative Research. I did not approve of this credit check nor am I familiar with these two companies.
Consumer complaint received 2022-07-22
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. (MI)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, XXXX, {$4400.00}, Bankruptcy reference # XXXX has violated my rights. 

I also want these names and addresses deleted XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI 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 I had written to the company XXXX XXXX XXXX  and the bureaus on numerous occasions but to no avail have they complied with the FCRA and provided me with the proper information.

I also have written to the bankruptcy court and they sent a letter stating that they don't report to the bureaus and I sent the letter to all three bureaus and they still are reporting on my reports
Consumer complaint received 2022-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (NY)

on XX/XX/XXXX I opened a checking account in Citi bank, at that time there was a promotion, " open a checking account, keep deposit in the account of {$200000.00} for 60 days, can get {$1500.00} bonus ''. I deposited {$200000.00} on XX/XX/XXXX. On XX/XX/XXXX, I thought it has been 60 days, so I used chat system of Citi bank, a representative named XXXX chatted with me. I asked him if I have met all the requirements to get the bonus, he said yes and I only need to wait until XX/XX/XXXX to get the bonus deposit into my account. Then I asked if I could move the {$200000.00} out of the account. He said that I can move the money and it won't impact my bonus. I have screen shotted of this chat and attached please find the screenshot. In XX/XX/XXXX, I still didn't get the bonus, I call Citibank, they told me the 60 days means the 20 days after I opened the account till the XXXX day. I argued Citi 's representative told me that I have met the requirements and I could move the money out of the account, so it is not my fault. They said they will record my complaint, but after XXXX week I got a mail said I still didn't met their requirement. Then I complained again for the misled of this representative XXXX, and until now, I never got any response.
Consumer complaint received 2018-05-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I am attaching the investigation request that my husband and I sent in to the credit bureaus onXX/XX/XXXX. They are supposed to respond with 30 days. Although my husband has received all of his responses on time, I have not yet received anything.
Consumer complaint received 2022-07-22
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: Experian Information Solutions Inc. (MN)

Identity stolen on XX/XX/XXXX Multiple at least 5 credit inquires to experian XXXX XXXX and XXXX Multiple cards attempted to be opened with the above XXXX XXXX successfully created a XXXX XXXX XXXXt XXXX  on XX/XX/XXXX, but I detected it and was able to cancel the account XXXX XXXX XXXX card attempt XX/XX/XXXX card attempt identified as fraudulent XXXX XXXX XXXX XXXX attempt XX/XX/XXXX identified as fraudulent US postal service on XX/XX/XXXX entity tried to forward my mail to a different address All credit union agencies notified accounts frozen and fraud alert placed The criminals created an experience account in my name ( providing their own email and address ) prior to XX/XX/XXXX and were able to unfreeze experian on XX/XX/XXXX until I reached experian and permanently froze the account
Consumer complaint received 2018-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (CT)

I received a notification on XX/XX/18 from XXXX XXXX, of which I am a member, advising that my Account through XXXX XXXXWalmart Credit Card had been reduced by {$4500.00} and because of this my credit score was adversely affected. 

I immediately called Synchrony to inquire. I was advised by a Representative that my account was in arrears. I advised I had made two payments in XX/XX/2018, the 2nd payment was to go toward the XX/XX/XXXX statement. The Rep. advised that my payment of {$50.00} was {$3.00} short of the Minimum payment. I apologized and said I would make the payment, I was told that I now was responsible for a payment of {$130.00} which included late fees and insurance. This is the first time I had a late payment and was upset about the late fees which seemed ridiculous. I asked to speak with a supervisor and the young woman I was speaking to forwarded my call to the Collections Department unbeknownst to me. The man I spoke with just kept repeating over and over that he was attempting to collect a debt and that I needed to make payment immediately. 
I made the payment while he was talking and advised him of same. I told him, thinking he was a Supervisor, I wanted to discuss the reduction in my credit limit and the report to the bureau advising I was at 97 % of my credit limit. He just kept repeating that a letter had gone out to me and he was not at liberty to discuss anything about that. I asked to speak to his Supervisor and was advised no one was available to speak to me. I was told again I would be getting a letter in approximately 10 days. 

Due to this unfortunate turn of events, my credit has suffered greatly, I attempted to apply for another card on XX/XX/18 and am currently waiting for XXXX  XXXX to respond, my plan is to pay off XXXX XXXX and close my Walmart Account. My credit score went from being good in the mid to high 720 's and it is now at XXXX, which is considered fair. I feel that Synchrony is using the fact that I have recently retired to reduce my line, even though my spouse and I are still making in the 50K range. I was not called, written to or given any chance to discuss anything. 

Previously, in XXXX of 2018, I attempted to make a {$42.00} purchase from Walmart, the request for purchase would not go through and I called the number on my card to inquire. I was told at that time, that I needed to update my address on my account. I advised I had done that months ago when I moved. When I went onto the website to look at the address, a question popped up in the middle of my screen asking what my yearly income was. I responded to the question and was still unable to use the card. I purchased the item using my Paypal account. I contacted synchrony again and was told by the Rep. that the reason the purchase did not go through was that I tried to submit it more than once. There was no mention at that time of a reduction in the credit limit.