davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (FL)

I was trying to sell my guitar through XXXX XXXX XXXX on XX/XX/2023 for {$470.00} when I was contacted by a scammer who made an offer to purchase my guitar. They asked me for my Zelle pay information, which I provided and received what looked like a Zelle email stating that the money in the amount of {$870.00} was sent to my account, but couldnt be disbursed because the amount was too large. It asked me to send {$400.00} back so that Zelle couldnt disburse the proper amount into my account. After realizing Id been scammed I immediately contacted my bank which is XXXX and they opened a claim for the scam. On XX/XX/2023 XXXX informed me that Zelle had closed the claim and denied their request for a courtesy refund. Neither Zelle, nor XXXX asked for evidence of the e-mails I received from my scammer or the messages leading up to the scam, despite being told by a specialist that XXXX would provide me with a temporary credit while the investigation was being conducted ( which was received ), as well as being advised to keep screenshots of the exchange with the scammer, because they might be used for the investigation. Neither XXXX, nor Zelle knows how to protect their customers, not how to reimburse them when money is lost due to a lack of security measures which have made these scams such a common occurrence.
Consumer complaint received 2022-10-14
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. (OH)

i am a XXXX XXXX XXXX XXXX, i am a living human being, i have rights under 15 USC 1681.

transunion is govern by 15 USC 1681 and they violated my rights numerous of times i demand the accounts listed below be remove because according to 15 USC 1681 i have the right to privacy and i did not give Transunion written permission to furnish these accounts Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-02-13
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

on XX/XX/XXXX I 'd had call over the phone to apply for a capital one credit card on the salesperson had mentioned that I 'll be all getting a 15 month no APR on the fix rate .my surprise on XX/XX/XXXX I noticed a charge of {$76.00} in my account just on APR. I have a call Capital one to find out what was the charge sales person on the phone stating that it was my APR charges starting on XX/XX/XXXX which I never got a notice on the mail stating that my APR will be changed to 23.99 % Capital one never provide me with the notice of this charge being applied to my account at least 45 days .I think that 's against the law provide The consumer notice before the rate is change.
Consumer complaint received 2023-07-18
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. (IA)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-09-25
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. (FL)

I was in XXXX XXXX and used my CITIBANK credit card at a used clothing store ( like our goodwill store ). I can not find receipt. When i got bill CITIBANK charged me {$3500.00} for a purchase.I thought that they just didnt convert to dollars because in XXXX XXXX currency that amount is approx {$5.00} and is the most I would ever pay for some used clothing.This happened the end of XXXX and they are making me crazy. I have many times called, mailed, filled out their forms, and sent pictures of store which shows name on bldg. 
I have dates, etc They tell me they will get back with me. 
They call and demand payment. 
This is terrible and is affecting my health XXXX XXXX
Consumer complaint received 2020-02-26
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: EQUIFAX, INC. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) (  A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed  below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2017-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (FL)

The collection agency has filed a collection under my name with the original collections as XXXX XXXX ( an account from XXXX ) for {$460.00} as of XX/XX/XXXX. In XXXX, I filed a police report stating identity theft for this specific account. I filed the claim with the credit bureaus in XXXX. In XXXX, I disputed, the bureaus and police investigated and the collection account was motioned as a FRAUDULENT CHARGE as a product of my identity being stolen. The collection account was removed from my credit report. I have already filed a dispute with the credit bureaus, filed another police report, received the first police report, and filed complaints to the attorney general, FTC, and CFPB for this collection against XXXX XXXX XXXX. I have contacted XXXX XXXX XXXX and they had issue finding the an account as I suspect and did not resolve any of my concerns.
Consumer complaint received 2015-12-22
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: Ria Envia, LLC (OH)

I contacted RIA money transfer to complete a funds transfer to my parents in XXXX XXXX on XXXX/XXXX/15. The funds were taken from my account and not deposited to my mother 's XXXX account. I contacted the company on XXXX ( the estimated date of deposit ), no one was able to explain where my funds were or what happened. I kept being transferred to an escalation group, instead kept being transferred to the same automatic system that I called into. I received an email last night requesting more information regarding the matter ( in response to an email I sent prior to my calls ). I responded to same and am yet to receive a response. There was not a lot of money involved. My parents are aging and going through financial struggles due to not being able to find proper employment to take care of my grand mother and sister that live with them. I sent {$150.00} to help during this holiday time, to no avail. Now, neither of us are having a holiday. I work hard for my money. I do n't waste and I pay my bills and taxes. This should not happen to honest hard working people. Please help me recover this money. 
**add on-Please note that this was an international transfer ( from XXXX to XXXX XXXX XXXX. there are sections below that require recipient information ; she is in a different country and has not received any of the funds.
Consumer complaint received 2023-03-24
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: TRUIST FINANCIAL CORPORATION (TX)

XXXX XXXX XXXX made inquiries on my report on XX/XX/2022 when asked too produce how they obtained my information or signature too run my credit they could not yet they made an inquiry on my credit report and violated FCRA 611 and fails too provide me with FCRA 611 ( a ) ( 7 ).
Consumer complaint received 2023-03-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

My account was overdrawn by a fraudulent merchant, I advised and alerted chase. Upon review and escalation of the overdrawn funds, chase asked me to deposit funds to make it to event. I then said I can not deposit funds due to it being fraudulently taken out my a merchant. Chase then closed my account in the midst of the investigation and stressed me out.
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

Due to Covid-19 pandemic forbearance program regulations, the law states that no late payments are to be reported to the three financial credit reporting bureau during the Covid forbearance period. I have 30 day late payments on my report that I want removed because I was negatively impacted and a victim of Covid-19 and legally these late payments should not appear on my credit reports. I contacted the creditor, XXXX, in XX/XX/2021 about these payment was told that a request for removal would be submitted to a supervisor and that I would hear back. To this day, XX/XX/2021, the late payments have not been removed and I have not heard back from XXXX about removal.
Consumer complaint received 2019-09-28
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: Santander Consumer USA Holdings Inc. (FL)

I have been in communication with Santander Consumer numberous of times via phone and have also written to them demanding that they show me where the balance of {$310.00} is coming from? Was it interest? was it other charges? Representatives on the phone are only assuming it is interest and upon digging for more, they don't know where the balance is coming from after my insurance and gap paid off my auto loan, the balance was only {$23.00} in which I paid in XXXX but somehow a new balance came up and no matter how many times I ask and demand that they tell me where balance came from, they are unable to tell me or provide an itemized statement. After many months of Santander defaulting my credit and finally charging off my account. I argued but was exhausted and so I paid off the {$310.00} not knowing my rights to receive an itemized bill and not knowing that I can still dispute it. Please help. I have contacted them in several occasions and have mailed letters. On the phone they say they are unable to contact their accounting department nor give me a phone number or address to reach them.
Consumer complaint received 2022-12-14
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. (VA)

In accordance with the fair credit reporting act, Bankruptcy XXXX  XXXX reference # XXXX has violated my rights. 15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Due to Covid-19 pandemic forbearance program regulations, the law states that no late payments are to be reported to the three financial credit reporting bureau during the Covid forbearance period. I have 30 day late payments on my report that I want removed because I was negatively impacted and a victim of Covid-19 and legally these late payments should not appear on my credit reports. I contacted the creditor, XXXX, in XX/XX/2021 about these payment was told that a request for removal would be submitted to a supervisor and that I would hear back. To this day, XX/XX/2021, the late payments have not been removed and I have not heard back from XXXX about removal.
Consumer complaint received 2023-07-18
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. (SC)

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-15
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-07-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (NY)

Back in XX/XX/XXXX, I was online searching for a XXXX XXXX, which was nowhere to be found. I came upon a website called XXXX that had XXXX XXXX in stock. I was hesitant until I saw " PayPal Credit " as a form of payment. I thought that they must be legit since PayPal would protect my purchase. So I made the purchase. I got the confirmation email from XXXX but no delivery date. Then on the XX/XX/XXXX, I get an email from PayPal credit that my package has shipped and provided a XXXX tracking number. I then tracked that number on the XXXX site and saw it was delivered. I called XXXX and they told me that the tracking number I gave them was not for me and it was a package for a XXXX at a XXXX restaurant in my area. I then emailed the shipper and got no response. I called XXXX and they started an investigation. Then they said I lost my dispute and showed me a letter from the shipper showing the tracking number and saying that it was delivered to me. So I contacted XXXX and they emailed me the tracking information showing that the tracking number which the shipper provided was a package not addressed to me but to someone in a XXXX restaurant on XXXX XXXX. I have provided all this information to PayPal Credit and asked them to call XXXX to verify my information but they just keep sending me the letter from the shipper that it was delivered to me. 
PayPal Credit is backed by Synchrony bank and I have been disputing this since XXXX. Please help. I am a retiree living on a modest pension
Consumer complaint received 2023-03-24
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: BARCLAYS BANK DELAWARE (IL)

On XX/XX/2023 I received a notification that there was an inquiry on my XXXX made on XX/XX/2023. I checked the notification and it was for a FRONTIER Airlines World Mastercard account from BARCLAYS BANK DELAWARE. I received an email with further information despite not having signed up for any such account whatsoever.
Consumer complaint received 2022-12-14
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: PRESTIGE FINANCIAL SERVICES INC (PA)

Did not authorized or give Prestige Financial Service written consent to obtain my XXXX credit report on XXXX. I did not apply for credit with Prestige Financial.
Consumer complaint received 2022-12-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (FL)

I received a Notice on my credit report saying that I had {$98000.00} owed to a establishment called XXXX XXXX XXXX  in XXXX XXXX  Someone used my name and identity to cosign a lease. I filed a complaint with my local sheriffs department. They have a recorded statement for me under oath saying that I was a victim of stolen identity and my Personal information was used without my knowledge or consent. I have had some issues in the past with my identity being used to purchase other items. I was able to stop it from going through. I also have had a freeze on all three credit bureaus with my identity. XXXX XXXX XXXX never contacted me by phone for any other method and used the information given to them to be used for a lease application and as me as the guarantor of the lease. I do have identity theft with XXXX XXXX They have been made aware of whats going on. XXXX XXXX XXXX has failed to return my calls concerning this. I believe that my identity theft may be with someone in their organization. The phone number for XXXX XXXX XXXX is XXXX. 
My phone number is XXXX. 
Thank You for your help XXXX XXXX
Consumer complaint received 2017-07-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lending Club Corp (NE)

I applied for a lending club loan on XXXX XXXX. Lending club advertises a start to finish application process of seven days. After 8 days, no documents have been reviewed so I contacted customer service. Customer service advised me that the process will actually take up to 30 days to complete. I feel that Lending club used Unfair Deceptive and Abusive Acts or Practices in their marketing of this loan. Had I known the process would take a month and not a week I definitely would not have user their service. I would have gone to my bank instead. This has put me in a pinch and I definitely feel that this constitute a bait and switch. I ask for your help in remedying the situation.
Consumer complaint received 2022-10-15
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. (PA)

In accordance with the Fair Credit Reporting act 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 a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-12-01
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. (TX)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Avant Credit Corporation (TX)

on XX/XX/2019 certified letter XXXX XXXX XXXX XXXX XXXX was mailed to Avant on the address listed on the credit report. They were required by federal law to place a notice of dispute on my account within 30 days of my dispute, which was signed for on XX/XX/2019. They have violated the Fair Credit Reporting act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practice Act Section 807 ( 8 ) by not placing the disclosure within the  required 30-day period.
Consumer complaint received 2022-10-14
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.