davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-08
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 (WI)

There were multiple unauthorized charges on my credit card between XX/XX/2020 and XX/XX/2020. They are detailed on one of the attachments, a listing of all of the charges I am disputing as unauthorized. The total amount disputed initially was {$1600.00} plus applicable late fees and interest charged on these unauthorized purchases. These purchases were made through the XXXX XXXX XXXX for XXXX, a virtual currency used in the game XXXX. 
Upon noticing the unauthorized charges, I contacted XXXX to request a refund for the unauthorized charges and my request was denied. I then contacted the XXXX company and they stated that they are unable to provide refunds for anything purchased through XXXX, they can only provide refunds for purchases made directly with them. I filed some disputes on the individual transactions through the BarclayCard account website but did not receive any response for a significant amount of time. Since I wasnt receiving a timely response on this dispute, I wanted to make sure my dispute was written and delivered with the appropriate time period specified in the Fair Credit Billing Act to preserve my rights. I also cancelled that specific credit card and requested a new one given the security compromise. 
I then sent a letter, a copy of which is attached, and mailed it on XX/XX/2020 with a return receipt indicating it was received by Barclaycard Card Services on XX/XX/2020. I received no written acknowledgement of my dispute as required by the Fair Credit Billing Act. 
I then sent another letter on XX/XX/XXXX, a copy of which is attached, and it was received by BarclayCard Card Services on XX/XX/XXXX as evidenced by the return receipt for this letter. On XX/XX/2020 there was a refund of {$100.00} on disputed purchases that had been disputed via the credit cards website previously so now I was requesting {$1600.00} and fees minus {$100.00}. By this time I still had not received written acknowledgement of my dispute. 
Finally I sent a third letter on XX/XX/XXXX, a copy of which is attached, and it was received either on XX/XX/XXXX ( USPS tracking website ) or XX/XX/XXXX ( return receipt postmark ). By this time more than two full billing cycles had passed since my initial written dispute without resolution nor acknowledgement. 
As I still have not received any correspondence from BarclayCard Card Services regarding my dispute, I have decided to proceed with this complaint through the CFPB.
Consumer complaint received 2020-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I am Veteran, and I was about to close my mortgage with the lender upcoming week. 
Lender told me on XX/XX/XXXX, that They weren't successful in getting my credit score only from Equifax. They said that the account is locked.

As of XX/XX/XXXX, I checked online and called the customer service to see the reason why my account is locked automatically without me knowing. 
Got on the automatic voice call, and the voicecall told me that they can't verify my address through questions. However, I have only moved three times in California, and I tried every single address, they said it's not valid. So following their instruction, I faxed, and mailed priority with my ID documentation ( passport, Social Security number card, pay stubs with SSN, W-2 with SSN ) and sent my address verification ( utility bill with correct address, w-2 form with  correct address ). 
The voice told us to wait 10-15 days. we did. 
after 7 days, we got a letter through mail that the documents we provided was incorrect or is hard to achieve. Didn't quite understand because we've sent everything possible even private document that was high-res photocopied. 
we called the supervisor and the customer service again, first time, the representative heard what our problem was, and hung up on me. 
second time I called, the representative said the same thing. to send over fax and mail. 
we faxed again about 5 times last week. Still nothing. 
This is going to be problem in future no matter what, because simply, the company can't even verify who I am, but they automatically locked me out because of their breach at XXXX.
Consumer complaint received 2017-04-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (HI)

Disputed the following accounts with Equifax in which I either did not receive a response or the information was not updated to reflect correct information on my credit report. I filed a complaint with CFPB in which Equifax provided a response which did not reflect the correct information on my credit report. The following accounts were disputed - XXXX XXXX ; {$4400.00} ; CHARGE-OFF. ( Account Paid in Full ) Still on credit report after Equifax reported to CFPB that the account had been removed. ( See Attached ) - XXXX XXXX ( See Attached )
Consumer complaint received 2020-08-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (AZ)

I recently received an unsolicited US Bank reliacard prepaid debit card in the mail. I have not claimed government benefits nor did I sign up for one at work. There does not appear to be any way to contact the company directly to inquire how they received my information to open the account as I will not activate the card, therefore I have no account information to give their automated system. Nor do I trust the any of the information materials included with the unsolicited visa card.
Consumer complaint received 2021-11-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Law Office of Brett M. Borland, P.C. (PA)

XX/XX/XXXX I left multiple messages for the second time since this has been in collections. I called the property them self who referred me to the contact I have been trying to get in communication with the debt collector to resolve this. Debt Its been over 3 months and no return call. They do not have a site nor can you talk to a live person due to having to leave a message always. I left multiple messages. They is affecting my living situation in which I would like to have this removed from my credit so I can continue with my life. 
My husband back in XXXX attempted to communicate with them and no response. 

I filed 2 disputes since then and still they have not reached out or returned my call.
Consumer complaint received 2020-08-09
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: EQUIFAX, INC. (NY)

On XX/XX/2019 there was a few hard pulls made without my authorization. I believe this to be the car dealership. I never authorized the following inquiry pulls XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX 2x all on the date I mentioned earlier XX/XX/2019. There is also another inaccurate date and pull of XXXX  on XX/XX/2019. I have called XXXX, equifax, XXXX   in the past and they never updated this as they said they would. I never signed anything or gave anyone authorization to run my credit without my knowledge on all the above items.
Consumer complaint received 2021-11-26
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY (SC)

I received this email which included the last four of my Social Security number.I have never heard of this company and do not owe any debt to them. The email was sent on XX/XX/2021. The email states a lawsuit will be filed and my social security number and banking accounts are under investigation by XXXX. Also, the email states that i have been blacklisted.
Consumer complaint received 2016-05-25
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

While on XXXX browsing my transunion credit report my account was temporarily suspended and I was unable to print or dispute any information. I called the number listed on the error page and was told Transunion does not give tech support to freeannualcreditreport.com and was told I would need to purchase my credit report. Transunion violated my legal right to a free report and is forcing me to pay for it, something the other credit reporting agencies did not do.
Consumer complaint received 2015-09-24
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I 'll begin by saying this is n't a duplicate complaint to any other complaints I may have had in the past. I ask that you do n't claim this complaint as a duplicate from any older complaints because it 's not. 

Due to health issues I tried my best to settle this with Capital One but I was given the run around and clearly lied to more than once. I 'll begin by saying Capital One put me on some XXXX XXXX XXXX of theirs without my consent. The program consists of the customer making XXXX on time payments to their accounts of the minimum payment due in which I 've made more than XXXX payments and I 've paid much more than the minimum with each payment I 've made since XX/XX/XXXX which is also when Capital One put me on their XXXX without me knowing. I was told when I make the last payment my credit limit would be increased to {$1000.00}. As I 've stated I 've made more than XXXX payments already yet Capital One has refused to increase my credit limit to the {$1000.00} credit line and it 's not right which makes me further consider not doing business with Capital One any longer because I have health issues and I do n't need any stress from a company about something they promised me. On Tuesday XXXX I spoke to a Supervisor. He tells me my credit limit wo n't be increased until XX/XX/XXXX. I told him that 's not right I have to wait until XXXX XXXX when I 've made XXXX payments already. I also have proof regarding the higher credit limit offered by Capital One which I 'll include with my complaint. 

I have medication that I pay for monthly that I intended to use my card for when the increase was done but now there is a chance I have to wait until XX/XX/XXXX just to pay for my medication and I should n't have to wait that long. Capital One is the one that put me in their XXXX XXXX program because I 've never heard of it until I called yet now they wo n't Honor what they offered. Rather they are able to just add you to any of their programs or not they should send customers something a letter, by mail, or by email because it 's no way they can say they ca n't contact any of their customers to at least let them know what is going on when anything is done with their accounts.
Consumer complaint received 2017-04-04
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (MA)

Best Buy CITI Card Member since XXXX. 
Debt protection ( XXXX ) charges of {$1400.00} since XXXX I canceled plan and ask for a refund in XX/XX/XXXX. Refunded {$37.00}. I have called 3 time since to request a refund that more fairly reflects the false charges for a service I have no recollection of signing up for. I have asked 3 times for proof that I signed up for this service when I became a member and they have not sent me anything.
Consumer complaint received 2020-08-09
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. (IL)

I have disputed with all three credit bureaus to have the dismissed Chapter XXXX deleted due to being misguided by the lawyer group XXXX XXXX XXXX on the proper filing for XXXX XXXX. Ive submitted disputes every quarter starting in XX/XX/2018via the bureaus direct websites.
Consumer complaint received 2020-08-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (MO)

I use an app called XXXX it links up with pnc to transfer cash.. due to changes at your bank I can no longer link ; this is causing major issues. XXXX uses XXXX to link up to pnc. What are my options I need to transfer funds intoy account asap thank you in advance
Consumer complaint received 2017-02-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CT)

I have XXXX mortgages with Ditech. I recently completed Chapter XXXX bankruptcy for a large number of my credit card debt. I was under this bankruptcy for 2.5 - 3 years. I completed this bankruptcy on XXXX XXXX, 2016. The bankruptcy sticker for XXXX of my mortgages with Ditech ( mortgage # XXXX ) was lifted and I was able to go online and get information about this mortgage and to receive an accounting for the past 3 years. My other mortgage XXXX # XXXX XXXX had the " bankruptcy '' sticker on it and I could not get any information on it without calling the bankruptcy department. I was also getting calls and letters from Ditech that I was delinquent on mortgage # XXXX ). My information showed I was not. After 2-3 months of calling and receiving delinquent notices between Ditech and myself, I discovered that the account with the " bankruptcy '' sticker had a BALANCE OF {$7000.00} IN UNAPPLIED FUNDS in it. After many, many more calls, I was finally able to get Ditech to transfer this balance of {$7000.00} ( which was just sitting there ) to my other account that Ditech said was delinquent. After getting this monumental transfer, I then began my quest to have Ditech remove the " bankrupt '' sticker from my other account. I have sent e-mails, ( attached ), letters ( attached ) and have placed many, many calls ( too many to track ) to Ditech about this. I can be reached at XXXX XXXX or XXXX to discuss. I hope someone at your bureau can help me to resolve my complaint with Ditech.
Consumer complaint received 2020-08-08
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: CITIBANK, N.A. (FL)

Hello, I hope all is well in the midst of all of the chaos we are currently experiencing all over the world. In an effort to protect myself and loved ones, I wanted to make sure my finances were in order, to make sure my family and I are prepared for the worst. I have not checked my credit score since XX/XX/XXXX, but upon reviewing my report I have noticed several accounts that have been opened in my name that do not belong to me. One of the accounts was removed, and the other account I disputed online through XXXX XXXX. The account that I am disputing is CITIBANK. This account was said to be opened on XX/XX/XXXX. The balance is supposedly {$3400.00}, with an amount past due!! 
There is also a collection that has been added to my account with XXXX XXXX XXXX involving this Citibank account. 

I have never opened a credit card account with this company, and I have never inquired about getting debt with this company. I do not believe in the use of debt to obtain financial freedom. It also seems that payments were made under my personal checking account, although i don't see how that could even be possible. I learned throughout this process that my information was breached and used over the dark web. Please assist me with this issue. Citibank has verified an account that I am not responsible for, and will never be responsible for. This is not right at all for me to be held liable for a crime I did not commit.
Consumer complaint received 2020-08-08
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. (IL)

I pulled my credit report and found inaccurate, erroneous, unverified, negative INQUIRIES on my credit report. I have no recollection of these inquires.
Consumer complaint received 2016-12-21
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was charged interest on a card that specifically had 0 % interest. They did n't cancel the fee after countless calls and complaints. I have been with Bank of America for over 7 years and had never been charged interest before -- obviously that did n't mean anything to them. I will not be working with BoA again.
Consumer complaint received 2017-04-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MO)

On XX/XX/XXXX, I discovered an account that had been " added '' on my credit report with no notification. It was an auto loan with XXXX from XX/XX/XXXX. The " date reported '' was listed as " XX/XX/XXXX ''. On XX/XX/XXXX, I faxed numerous documents to Equifax showing that it had never been on my report and was not mine. They have repeatedly mixed my data with other people with the same name as mine and taken months to correct it after I 've informed them of it. 

On XX/XX/XXXX, I filed a dispute since they would not remove it via phone or fax. I called Chase Auto Finance to confirm that the account was belonging to someone else with the same name as me, but an address I never lived at, and different social security number and date of birth. 

Today on XX/XX/XXXX, it shows it has been updated. They moved the " date reported '' to XX/XX/XXXX, the day I faxed them proof showing that it did n't exist prior to then, and moved it from Open Accounts to Closed and charged off. I called XXXX again and they confirmed that I do not have any accounts with them. 

Clearly Equifax did not actually verify the ownership of this account under the requirements of FCRA and on top of that, they altered the history to hide that it was mixed in with mine through their data-linking software by changing the date it was reported to the file. 

I attached reports from XX/XX/XXXX - no account present ; XX/XX/XXXX - account present with XX/XX/XXXX insertion date and a screen shot of the updated account showing that the insertion date was changed to XX/XX/XXXX. I have a record of numerous reports that I can provide as well. I provided multiple Equifax reports to Equifax to show that the information was erroneously linked to my report ( along with two other accounts they removed that shared the SAME address and SSN as this account ).
Consumer complaint received 2020-08-07
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. (OH)

I have retrieved copies of my most recent credit report, showing all 3 bureaus reporting. Have have made multiple attempts to have accounts on my report investigated, with no response to date. I have sent letters with specific disputes of those specific accounts dated XX/XX/2020 ; XX/XX/2020 ; XX/XX/2020 ; XX/XX/2020 and XX/XX/2020 ; to all 3 bureaus. I have made them aware of my decision to file a complaint for non-response, and still have not heard, or seen, any difference in those accounts that were challenged. I now look to you to assist the bureaus in meeting deadlines in a timely fashion, so that I may have some resolution to my credit issues. Thanks.
Consumer complaint received 2016-12-05
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Paypal Holdings, Inc (AL)

I have a {$5.00} charge on my XXXX. This was made by PAYPal. I do not have a PAYPAL ACCOUNT AND NEVER HAVE had one. I have tried to contact paypal but they wont me to login to my account, I cant do that because I dont have a PAYPAL account. If someone opened a account in my name they could take all the funds from my visa green dot card. Can you help?
Consumer complaint received 2020-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: ALLIANT CREDIT UNION (NJ)

I product changed from Alliant Platinum to Platinum Rewards for a large purchase I made so I would get points. 

I should of received XXXX points for the transaction on XX/XX/20. 

I received XXXX points.
Consumer complaint received 2020-04-19
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. (IL)

I have notified Equifax that the accounts listed under XXXX XXXX are fraud accounts. I have provided a police report, identity theft, social security card and notified Equifax several times. You continue to report this fraud information on my reports. I am asking that you delete & Block all accounts listed as XXXX XXXX as they are not mine.
Consumer complaint received 2022-11-14
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. (FL)

I have been sending multiple dispute letters as well as CFPB complaints against the Credit Reporting Agencies to request the correction of the erroneous accounts and information from my Credit File. Under the FCRA, the Credit Reporting agencies are required to investigate the disputed accounts and correct or fix the information being reported on my Credit File. I am submitting this CFPB complaint once again, to request to the Credit Bureaus to remove the erroneous information being reported on my CrediXXXX XXXX. Please once again, fix, remove, and correct the following accounts from my Credit File : XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX Balance : {$51000.00}
Consumer complaint received 2023-01-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC (FL)

This complaint is regarding accounts. Per track, it's been several months with no information given, no investigations performed, and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), which violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported.