davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX, I attempted to unfreeze my account at Experian on line. That did not work even though I have my PIN number from when the freeze was set up on XX/XX/XXXX. I attempted to contact Experian through all available phone numbers during their posted hours of operation. NO WAY TO CONTACT A PERSON!!! THERE IS NO CHAT OR EMAIL AVAILABLE either. 

I need to refi my home NOW. I am elderly and ill. 

I was able to easily unfreeze XXXX and XXXX. But not Experian. Per Experian online and recorded messages on telephone tree, Experian wants me to MAIL TO TEXAS COPIES OF MY SOCIAL SECURITY CARD, DRIVERS LICENSE, UTILITY BILLS ... ..ALL THE INFORMATION ANYONE WOULD NEED TO STEAL MY IDENTITY. I WILL NOT MAIL A COPY OF MY SOCIAL SECURITY CARD TO ANYONE!!! THIS IS NOT RIGHT!!!!!! 

PLEASE help me. Thank you
Consumer complaint received 2023-03-29
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 (NC)

In accordance with fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish and 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 2020-07-23
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I made a reservation on XXXX on XX/XX/2020. On XXXX, 2020 I cancelled the XXXX reservation, well within the 24 hour cancellation period. I received a hard copy of the cancellation showing that I owed XXXX balance and the reservation was cancelled. One week later I contacted XXXX through an internet chat and they confirmed the reservation was cancelled and that I would receive my refund within 30 days. After the charge of {$510.00} was returned to my account by Capital One, the credit card company, I was shocked to see the charge returned on my billing statement. 
I was forced to make the cancellation due to the current virus lockdown. I have copies of my original reservation, the cancellation notice and the computer chat stating this charge was cancelled. XXXX now says it is a valid charge. 
Capital One has had an active dispute since XX/XX/2020. All they do is keep asking for more documentation to settle the dispute. I feel like they are dragging this out far too long.
Consumer complaint received 2023-03-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Fidelity National Information Services, Inc. (FNIS) (IL)

My identity Where Stolen & Used To Obtain Goods & Services In My Name I Fouled Police Report With My LOCAL police department after my Credentials Where Stolen & Have Attached It Aswell As My Identifying Documents With Mail I Sent To Chexsystems
Consumer complaint received 2020-08-31
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: Experian Information Solutions Inc. (TN)

I have sent by regular mail correspondence to Experian and they have returned the mail two times. In addition, they keep reporting LexisNexis is verifying a bankruptcy that does not exist. I have from all XXXX information and there is no way that any of the 3 major bureaus or XXXX could verify.. 

In addition, it's taken longer than 30 days for the 3 credit bureaus to resolve the 9 inquiries that I did not consent to.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] I would like written verification that the three major credit bureaus can verify the bankruptcy that does not exist and what information they are receiving from XXXX that is frozen.
Consumer complaint received 2023-03-24
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts 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 XXXXXXXX
Consumer complaint received 2020-08-31
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. (TX)

FCRA credit unauthorized credit inquiries without my consent. I have a fraud alert on my credit report. I have not had any companies confirming if the inquires were legit. No companies have called me. 

- XX/XX/2020 XXXX XXXX XXXX - XX/XX/2020 XXXX XXXX XXXX XXXX - XX/XX/2020 XX/XX/XXXXXXXX XXXX - XX/XX/2020 XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-01
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: Santander Consumer USA Holdings Inc. (MA)

This shouldn't have any balance since this is collection. 

Balance : {$10000.00} {$10000.00} {$10000.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff
Consumer complaint received 2021-11-27
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. (MO)

I filed a complaint with the CFPB on XX/XX/21. TransUnion has been notified now three times that they are reporting an inaccurate item on my credit profile. I have submitted to them evidence that the information is inaccurate, and each time they have came back stating that it has been verified as accurate. In this last response they did not even state that it was verified accurate or by whom it was verified they only stated that it was updated but did not specify what was updated. The item is Bankrupcty. Originally they stated that the it was veriifed by the Bankruptcy court. I sent a letter to the Bankruptcy court who replied that it was not verified as accurate by them and that they do not provide any information to any Credit Reporting Agency. I sent TransUnion a copy of the letter I sent to the court, and a copy of their response. They then replied that it was verified by XXXX XXXX, I sent mutiple letters to XXXX XXXX to find out how they verified the information, and they eventually sent a letter stating that it had been deleted from my profile with them. I sent that letter to TransUnion and again asked that they delete it since this second data furnisher is not stating that they are no longer providing that information to any Credit Report Agency. TransUnion then replied that it was being reported to them by a Bankruptcy Court in my state that does not hanlde bankrupcty 's in my county. I then submited a complaint to CFPB and they asked for more time to investigate. TOday XX/XX/21, I recieved a letter from TransUnion that only said that item has been updated, but did not state what was updated, or who they received information from to update the profile. 

I am now under the impression that TransUnion makes it harder for people of XXXX to get inaccurate items deleted from their credit report than they do XXXX people. I followed the same steps as my XXXX counterpart, and she was able to get the same thing delted within months, I have been trying now for over a year, and race is the only thing that seperates why mine is still on my credit profile and hers has been deleted. TransUnions and other agencies use E-Oscar and other automated systems to send out letters without actually doing the work. I could see if on the first request it was an automated response, but after the third or fourth an acutal human being needs to look into this.
Consumer complaint received 2021-04-09
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: FIFTH THIRD FINANCIAL CORPORATION (FL)

Fifth Third has failed to honor its advertised MasterCard protections. Fifth Third has also reduced the credit limit on this completely paid off account with zero cause. 

Prior to XXXX XXXX XXXX committing fraud under the name of XXXX  XXXX  XXXX, Fifth Third reduced the credit limit on this account without cause or notice. This account has always been paid on time as all other accounts have been. This account also has {$0.00} balance other than this FRAUDULENT TRANSACTION. 

XXXX XXXX XXXX advertised a Heavy Duty Adjustable Dumbbell Set XXXX XXXX lbs. as noted on the XXXX purchase receipt delivered by Fifth Third Bank itself. However, no set was ever delivered. 

As noted in the top left of the attached page, the photograph of the set offered for sale shows a Set of Two Dumbbells, each weighing 52 lbs. Fifth Third Bank completely ignored evidence from its own so-called investigation. 

Fifth Third not only ignored the FACT that one dumbbell was delivered instead of the two that were advertised, Fifth Third also ignored the FACT that the of a set that was delivered not only does not weight 52 lbs., the weights are noted in kilograms instead of pounds. Worse yet, none of the adjustable weights even weighs in kilograms anywhere near the amounts listed on them. 

Far worse is the fact that the so-called Adjustable Weights DO NOT ADJUST. I can send video evidence that proves that these weights are stuck and can not be adjusted or even removed from the base. 

Aside from all of these FACTS that PROVE FRAUD, this order was canceled long before half of it was ever delivered. Fraud was suspected when XXXX XXXX  XXXX was E-mailed regarding shipping information and the company representative failed to provide any. IN FACT, the company representative failed to even provide a telephone number to contact anyone in the company. 

Despite the order being canceled, XXXX XXXX XXXX delivered half of a fraudulent product more than a full month after cancellation. XXXX XXXX XXXX also provided the name of Portable Steam Iron to Fifth Third Bank rather than XXXX XXXX XXXX. XXXX XXXX XXXX E-mail attachments PROVE that the order was canceled the moment that FRAUD was suspected and long before half of the fraudulent product was ever delivered. Please note the company has even failed to deliver the other half of the fraudulent product. 

When the half of the fraudulent product was received the company representative falsely claimed that the company was too new to know how to set up a return through a reliable shipper. Documentation is attached that proves the same. 

However, Fifth Third Bank has IGNORED ALL DOCUMENTATION OF FRAUD. While the Fifth Third Executive Office has claimed that it will look into the FRAUD, no word has been heard of the Fifth Third Executive Office even looking into the FRAUD.
Consumer complaint received 2021-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MAJR Financial Corp (CA)

MAJR FINANCIAL CORP, Mr . XXXX XXXX .... The basis for my dispute was required to notify me prior to XX/XX/XXXX, or no later than 30 days after MAJR FINANCIAL CORP, Mr . XXXX failed to notify me about reporting derogatory info. to XXXX, XXXX and XXXX. In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after XX/XX/XXXX, furnishing the negative derogatory information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 168. Reyes v. Wells Fargo Bank, N.A., XXXX XXXX XXXX ( XXXX XXXX. XXXX XXXX, XXXX ) ( using least sophisticated debtor standard to evaluate Rosenthal Act claims against creditor ) ; Thompson v. Chase Bank, XXXX, XXXX XXXX XXXX, at XXXX ( XXXX XXXX. XX/XX/XXXX ) ( refusing to dismiss Rosenthal Act claims alleging that collection calls made on XXXX XXXX, XXXX XXXX and XXXX XXXX were at inconvenient or unusual times ). INACCURATE
Consumer complaint received 2021-04-09
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 ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX. I have a healthy account, with no disputes or charge backs. I am very desperately in need of my account as this is my only source of income at the moment due to covid. Kind regards.
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

Account Name : Dept of Ed XXXX  Equifax XXXX  are reporting my account information as 90 days late which is false I have contacted the creditors & all my payments from each year are up to date. The fault in you guys computer system has been bringing my scores down. I need this information updated ASAP and have my account 100 % accurate. Due to the fact of the length of time this has been Hindering me I asked for a score upraise as well. Thank you
Consumer complaint received 2020-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION (CA)

Ive gotten charged by BBVA compass for NSF fees, they constantly charged me for a transaction debiting the money from my account and then recharging it again once pending wait is over. 
Overall for the month of XX/XX/XXXXXX/XX/2020 theyve charged me {$480.00} for nsf fees, last month XXXX in total of {$560.00}, in XXXX XXXX total of {$120.00}, and in total {$540.00} in nsf returned items charged. 
Thats in total of nearly {$1500.00} theyve taken from me. 
Its not okay especially during this pandemic, I get paid and Im left with nothing but some more over draft fees. I dont know what else to do Ive called them to resolve the issue and they wont provide me any assistance. Its been happening a lot lately and its draining me
Consumer complaint received 2020-08-31
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. (TX)

FCRA credit unauthorized credit inquiries without my consent. I have a fraud alert on my credit report. I have not had any companies confirming if the inquires were legit. No companies have called me. 

- XX/XX/2020 XXXX  XXXX XXXX - XX/XX/2020 XXXX XXXX XXXX XXXX - XX/XX/2020 XXXX  XXXX XXXX - XX/XX/2020 XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (PA)

Since this crypto was a growing in 2021, so i decided to invest some money and do trading to make some extra money. So i found this plate form for buying crypto and trading, so i deposited some cash and crypto to Binance newly opened account. But since i opened an account i have many issue, never was smooth. But most recent they disabled my trading, buying or selling, and withdrawing my money. I tried to contact them multiple time but problem never solved. In most recent email from Binance US they said my trading and withdraw is disable because one of the deposit on XX/XX/2021 didnt went through and asked me to deposit {$1000.00}, in the reply of that i email i sent them my bank statement from XXXX and marked the transaction and showed them deposit was successful and money has been taken from my account. Actually they tried to take another {$1000.00} from account which was unauthorized and i had to block that transaction from my bank. Since i sent them my bank statement i did'nt received any reply, submitted multiple ticket to resolve the issue but all in waste. I have all tickets and email records aswell deposit record from my bank.Its very stressful. I have attached my bank Statment from XXXX which shows all legit transaction as well email from Binance US and my replies. i need help on this.
Consumer complaint received 2020-07-23
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (MO)

In XXXX I was pre approved for a home loan. End of XXXX I gave the go ahead to proceed. The loan officer XXXX XXXX didn't write anything up right. My out of pocket expenses kept changing. After having {$430.00} removed from my account on XXXX for appraisal, nothing happened. I was assigned to XXXX XXXX. Her customer service was horrible. Would not correspond with me hardly at all. Then after 2 weeks of waiting for her to respond I was notified she was no longer with us bank. I was never notified or assigned to a new loan officer. The appraisal was finally done, but was told that I had to do repairs to the house before the loan could proceed. Im buying the house as is. Its in the contract. I told the loan officer to cancel the contract with us bank. After 3 months I'm no further along than when I started. I'm formally requesting my {$430.00} back since NOTHING is done
Consumer complaint received 2021-04-09
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 (ME)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2020-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (NJ)

On or about XX/XX/20 the consumer submitted to the creditor a notice of billing error, pursuant to and in compliance with 15 U.S.C. 1666 and 12 C.F.R. 226.13.

The creditor and Experian failed to send a written acknowledgement of the consumers billing error notice dated on or about XX/XX/20 within 30 days after receipt of such notice, as required by 15 U.S.C. 1666 ( a ) The creditor and Experian both failed to make any appropriate corrections to the account of the obligor as required by 15 U.S.C. 1666 ( a ) ( 3 ) ( B ) ( i ) and failed to send a written explanation or clarification of the reasons why the account of the consumer was correctly shown on said statement error within two complete billing cycles of the consumer after receipt of billing error notice sent XX/XX/20, as required by 15 U.S.C. 1666 ( a ) ( 3 ) ( B ) ( ii ).
Consumer complaint received 2021-04-09
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: CITIBANK, N.A. (CA)

On XX/XX/2020 i wrote to XXXX, XXXX and XXXX and told them that i had clearly had been a victim of Identity theft and that someone had stolen my wallet and used my Drivers license and social security number and applied at Best buy/cbna with account number XXXX and DSNB / Macys account number XXXX which i had never applied for. i submitted a Federal trade commission complaint and nothing was ever blocked accourding to the fair credit reporting act Fact Act Under sections 605B. The law states that they were suppose to block the fraudulent accounts in 4 business day. They told me that they had forward my complaint to Macys and Best buy but nothing was ever done.
Consumer complaint received 2020-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Success! 
Your report was submitted to the FTC. If you provided an email address we will send you a copy of your reference number : XXXX address not mine XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts not mine : XXXX XXXX office of the atty gener oag child su XXXX XXXX   XXXX
Consumer complaint received 2017-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

I called XXXX XXXX on XX/XX/XXXX after I made a payment on the card because I saw a {$14.00} charge that I had not made. A dispute was filed on the charge and the card was cancelled to prevent any other fraudulent charges from being made. A new card was to arrive in 5 business days. My new card still had not arrived on Saturday, XX/XX/XXXX so I called once again and they I had called on Wednesday, XX/XX/XXXX, which I most definitely had called on XX/XX/XXXX as that is the day my payments are due each month. I called today, Monday, XX/XX/XXXX as  my new card had arrived and I needed to activate it. However, the entire account has been blocked while they work on the dispute. This was not mentioned the first time I called on the XX/XX/XXXX nor the second time I called on the XX/XX/XXXX. They have said they are expediting it and I should hear back in 24-48 hrs. However, that is unacceptable as I have purchases that need to be made, including prescription medication and will be traveling back home for the holidays shortly.