davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-15
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: BARCLAYS BANK DELAWARE (NY)

We bought a ticket on XXXX on XXXX XXXX from NY to XXXX. The ticket was somehow booked through XXXX XXXX, dates XXXX, XXXX XXXX, XXXX. This flight was cancelled due to Covid19 back in XXXX. This ticket was actually refundable even before Covid19 with a {$150.00} penalty. The total price for this ticket was {$1000.00}.

For some unknown reason XXXX  divided this round trip ticket into two separate one way tickets ( {$550.00} and {$480.00} ), so at maximum the penalty would be {$300.00} for the refund in normal circumstances, even without the Covid19 cancellation. However, I did not receive anything so far, even though they keep telling me that they will give me a full refund. I made many, many calls to XXXX, sent emails to the supervisors, to XXXX XXXX, CFO and XXXX XXXX, CEO, gave them my bank info ( for some reason XXXX   can't return money back to my CC account? ) but it is not going anywhere. I was told that XXXX tried to reach XXXX airlines but was also unsuccessful. Finally I filed a dispute request on XXXX, XXXX with Barclay CC by which I paid for the ticket. They issued a temporary refund but it was reversed a few days ago. So now I am back to square one- have no refund at all. Please help to resolve this issue.
Consumer complaint received 2019-04-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants and Medical Credit Corporation, Inc. (FL)

I requested the following information to support the alleged debt : name and address of the original creditor, a copy of the original signed contract, delegation of authority giving you the authority to collect the debt, and a complete accounting / statement of payments with interest and fees associated with this debt.
Consumer complaint received 2018-09-07
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE (OH)

My complaint is inregards to business with Western Union, as a customer I truly feel they practice Deceptive business practices and I feel I am a victim to these practices. 
I purchased three money orders to pay my rent. I made them payable to XXXX XXXX and mailed them, XXXX XXXX informed me that they never recieved them. The money orders have not been cashed so I considered them lost. 
I followed instructions on reciepts in regards to get a refund. Around XX/XX/XXXX I called wester union customer service and stated that the money orders were lost and I needed a refund. Western Union customer service told me to wait 15 days then mail in original copies filled out signed and make photo copies for my own records. 
I felt odd that western union customer service wanted originals, and I literally asked twice if it was nessasary to send originals and not a photo copy, the customer service rep stated Yes, then stated I must send in {$15.00} dollar per money order processing fee for refund request then wait 30 days for refund. 
I did not feel comfortable sending in fee so I asked if western union could deduct it from the refund, the customer service rep said yes. I mailed money order reciepts in on XX/XX/2018 to a post office box that the western union receipt states, and was confident that I would recieve refund in 30 days minus processing fee. 
30 days passed and I didnt recieve anything. I called western union customer service on wendsday the XXXX of XXXX and western union service rep told me western union havent recieved Any Reciepts from me, this upset me and made me fill very uncomfortable. The western union representative seemed to just keep reading a script that ran me in circles, the service rep Literally told me I had to mail the reciepts again and wait 30 days. I told the rep I dont have physical copies because I was clearly told that it was Procedure that I mail Original Copies to them. 
I then asked if western union had an email address I could scan the copies I have to western union,  they said Yes scan them too XXXX. 
I then asked why the service rep did not have me scan copies to that address originally instead of stating it was procedure to mail original copies, and the rep would not answer directly, and that made me fill uncomfortable and truly felt their business practices were deceptive. She stated I should scan the reciepts, and call back in 5 business days. 
I feel the customer service is terrible, and I still have not recieved a refund after I followed the procedures stated to me over a month ago. 
I could not imagine the frustration an elderly person or mentally disabled person would have with the business.
Consumer complaint received 2023-02-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

Hi My name is XXXX XXXX. I am writing to file a complaint and seek refund regarding to a {$380.00} payment that I made to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) on XX/XX/XXXX through Paypal. 

On XX/XX/XXXX, I made the {$380.00} payment to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) by using a Visa card ending in XXXX through Paypal account ( XXXX ), and the transaction ID is XXXX. The payment was aiming to be made to XXXX XXXX XXXX account XXXX. However, until XX/XX/XXXX, XXXX XXXX XXXX  still has not received this {$380.00} payment. 

I called Paypal customer service on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX regarding to this issue and didnt received any solution addressing the issue of XXXX XXXX XXXX  didnt received my payment. On the call with Paypal customer service, I requested a proof that can show my payment was indeed paid to XXXX XXXX XXXX such as a wire, ACH or check, but those information wasnt shared with me. 

I called XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX XXXX customer service agent claimed the payment of {$380.00} was not received and further Paypal was not a recognized payment method. XXXX XXXX XXXX even opened a payment search case for me and case number is XXXX. On XX/XX/XXXX, XXXX XXXX XXXX called and confirmed that they didnt receive {$380.00} payment. I also attached a screenshot of payment history from my XXXX XXXX XXXX account which shows no payment of {$380.00} was paid to my account. 

Since Paypal cant provide proof that my payment was paid to XXXX XXXX XXXX account XXXX and XXXX XXXX XXXX claimed that they didnt receive this payment, I am seeking a refund of {$380.00} to my original payment method which is card ending in XXXX.
Consumer complaint received 2023-08-22
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: EQUIFAX, INC. (MA)

I just checked my credit report and notice some inquiries that I didn't recognize. I believe I was a victim of fraud. I am distress and this matter as affecting my life and finances specially from getting access to different forms of credit. Please help me to delete this fraudulent activity in 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
Consumer complaint received 2023-08-22
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. (VA)

To whom it may concern : According to the Fair Credit Reporting Act, Section 611 of FCRA, credit bureaus have a responsibility to delete any information from credit reports which is inaccurate or incomplete. This is important to note, as even if an account has only been speculated upon or never confirmed in any way, the burden falls on the credit bureau to provide evidence of its veracity before it can be placed on a credit report. If the information in a credit report is wrong, it was never proven to be factual, and the consumer has the right to take legal action against the credit bureau. 

Below is a summary of the data in which I am challenging : XXXX XXXX You must remove any name in your system which does not match the first and last names listed on this letter. My only name is XXXX XXXX XXXX
Consumer complaint received 2019-04-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Valentine and Kebartas, Inc. (FL)

I requested the following information to support the alleged debt : name and address of the original creditor, a copy of the original signed contract, delegation of authority giving you the authority to collect the debt, and a complete accounting / statement of payments with interest and fees associated with this debt.
Consumer complaint received 2023-01-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from 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
Consumer complaint received 2023-03-02
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)

XXXX is in direct violation of 15 U.S. Code 6801 - Protection of nonpublic personal information. 
Without my written consent XXXX and Experian unlawfully and illegally furnished data from the following creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The law states : ( a ) Privacy obligation policy 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.

( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( XXXX ) to insure the security and confidentiality of customer records and information ; ( XXXX ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( XXXX ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
Consumer complaint received 2024-05-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Abra (IL)

Abra continues not to respond nor fully resolve issues and is misleading regarding the response timelines that they have provided to me as a client. Per my latest message, sent on XX/XX/XXXX with multiple follow-ups since without a reply, I am now able to access my account. However, regarding withdrawing my assets, Abra no longer allows users to sell to USD, practically only allowing for withdrawing. I no longer want to be an Abra member and there is a relatively high minimum to withdraw. Why and what options are there to liquidate my account given that I no longer want to be a member? Minimums in the case of account closure should be waived. 

I would appreciate if Abra could fully and accurately respond to this issue so it can be completely resolved. They also ignored a XXXX complaint.
Consumer complaint received 2023-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Ive called multiple times to stop solicitation offers and I am on the do not mail list. This is a continuing problem and I have asked to be removed from their list on multiple occasions by taking the time to call them. Im still receiving unsolicited offers.
Consumer complaint received 2019-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

In XX/XX/2019, I sent Experian a request to delete an inaccurate account on my credit report. I sent screenshots showing that is reporting differently to each of the 3 bureaus. In XX/XX/2019, they sent back a response that they updated the account. However, the account was still reporting differently than the other bureaus. 

In XX/XX/2019, I sent another letter, again with screenshots included of the inaccurate reporting. In XX/XX/2019, they sent another response again saying that the account was updated. My frustration is as follows : 1. How is each bureau properly investigating if they are all reporting differently?

2. How can Experian report that I was 60 days past due, but the prior month, I have a payment status of " OK ''. How can I be 60 days past due when I wasn't 30 days past due the month prior.

3. How can an account be charged off if is not 180 days past due? The 2 months prior to the charge off status, Experian is reporting " OK '' for payment status.

4. Why do they have no data for XX/XX/2019?

5. In the account history, the Actual payment for XX/XX/2019 shows {$100.00}, but they are reporting my recent payment as {$40.00}. 

6. My high balance was never {$740.00} There are several things wrong with the reporting of this account and Experian not only failed to do a proper investigation, but also violated my rights by not deleting this account.
Consumer complaint received 2019-04-13
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: TD BANK US HOLDING COMPANY (SC)

I have reported Nordstrom to XXXX, XXXX, XXXX, asking them to Validate the debt of the amount {$520.00}. Under the fair credit reporting act as it is reporting inaccurate on my credit report. I started this process in XXXX 2018-present. I have even sent validation letters to Nordstrom and spoke with a representative, asking what information do they have on file, making me liable for this charge-off account, she informed me, nothing. This matters has not been taken seriously in validating this debt.
Consumer complaint received 2019-04-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant Mercantile Agency (CA)

I never owed this amount to the original business. 

On XX/XX/XXXX, I was sent to XXXX XXXX XXXX to have XXXX  done of two sections of my XXXX. My policy clearly states that my responsiblity for XXXX charges are {$50.00} per visit. Since the XXXX occurred during one visit to XXXX XXXX, I should have been billed {$50.00}. 

XXXX XXXXXXXX never issued an invoice to XXXX, my health insurance plan, and XXXX never sent me an EoB. I gave it time to work itself out, but it never did, and ended up in collections. I spoke to a XXXX   rep on XX/XX/XXXX, who was going to escalate the matter and have someone from XXXX follow up. I never received a follow up. On XX/XX/XXXX, I spoke to another rep at XXXX, and she confirmed my responsibility of {$50.00} for the XXXX. During my call, she placed me on hold and spoke to reps at Grant Mercantile, XXXX XXXX, and the XXXX XXXX XXXX. XXXX  XXXX agreed to re-bill XXXX for the procedure, and that my responsibility is {$50.00}.
Consumer complaint received 2019-04-13
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. (TN)

I was advised to contact you all regarding things on my credit that are not mine.I have several items on my credit report that are not mine. I noticed it because I recently applied fore. credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. There are also inquiries that are not mine. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX. XXXX, XXXX XXXX XXXX
Consumer complaint received 2019-04-13
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. (TN)

I was advised to contact you all regarding things on my credit that are not mine.I have several items on my credit report that are not mine. I noticed it because I recently applied fore. credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX/XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. There are also inquiries that are not mine. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX. XXXX, XXXX/XXXX XXXX XXXX
Consumer complaint received 2019-04-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (GA)

The amount this company is trying to collect I'd not the correct balance owed. I had a security deposit that was supposed to be deducted from what supposed to have owed. Also this is not the correct amount of judgement. This company is trying to collect more than was not owed.
Consumer complaint received 2019-09-19
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. (NC)

I have reported identity theft and fraud since XX/XX/XXXX with all credit agencies Equifax made the following dates inquiries without my knowledge or legal permission 15 inquiries without my knowledge or permission XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX EQUIFAX The other complaints will by reported seperately
Consumer complaint received 2019-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (WA)

I have been locked out of my credit report with Equifax because of fraud. Equifax refuses to work with me, they will not talk to me, or let me see my file. There is a fraudulent address on my report that I have been trying to get removed since XX/XX/XXXX. They have not removed it, and it has been updated as of XX/XX/XXXX. Equifax has locked me out of all communication with them because they say I can not identify myself. I am afraid my report is being changed and I can't get anyone to help me
Consumer complaint received 2019-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (AZ)

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX of XXXX checkR had distributed falsified information regarding my public records in regards to criminal action. When asked to fix my record I was informed I must pay for a report and send it to them. I was advised that as they are a private party, hired to do checks, that this DMV report should not have to be at my expense. I did send a screen of the court dispositions, however I was told without paying for the DMV report that my record will stand. They further stated that they have directly pulled a current DMV record for me on XX/XX/XXXX and previously in XXXX. On XX/XX/XXXX the XXXX verified that what was reported is no where on my records. In XXXX I also informed the company of them falsely reporting. I then mailed the court document. The same court document XXXX at ChechR referred to as the final court document, and told me I needed to submit on XX/XX/XXXX.
Consumer complaint received 2023-08-23
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. (GA)

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 I told XXXX, XXXX, and Equifax to reinvestigate these accounts payment history and remaining balance : Account name : Account name : Ideal Auto Sales, Account name : XXXX XXXX XXXX. However, they stated everything was complete and accurate and has been verified. But how is that possible if the open date, date of last activity and much more is incorrect. The accounts has been paid in full since XXXX of 2022. Never missed a payment. I requested documentation ( transactions history, balance sheet ) I was never provided with the requested documents. The information is inaccurate and preventing me from obtaining new employment. If documents are not sent to me or information is not corrected. My next dispute will be for montary compensation of my expected salary. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

1 5 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. 

XXXX of my federal rights are being violated by the major bureaus.