davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I sent disputed to XXXX and Equifax for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2020-05-14
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: FIRST NATIONAL BANK OF OMAHA (CA)

I asked for a balance transfer to my XXXX XXXX account from first bank. They offered me a transfer rate of 0 % until XX/XX/2021. Somewhere in very small print was written that theres a 5 % fee which I did not understand at all or see, because this was an application that I did online. 

I took a month for them to send me the actual card, and I couldnt sign on and see what was going on. Finally after calling them they sent me the card and I managed to sign up online to look at my account And I see they charged me {$410.00}, for a balance transfer of {$8300.00}. 
and I see they charged me {$410.00}, for a balance transfer of {$8300.00}. 
If I had known that this was the amount I would never have done a balance transfer, because essentially whats happening is they charging me a 5 % interest-rate to pay this off within a year, not a 0 % interest rate which was what I was understanding Due to the fact it took almost a month for me to get the card and be able to sign-on and look at the details, theyve already sent the transfer to my XXXX XXXX account and charge me the {$410.00} I would like a refund of that {$410.00} because it was completely misleading.
Consumer complaint received 2020-05-14
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: Paypal Holdings, Inc (FL)

I ordered a treadmill on XX/XX/XXXX from a XXXX company XXXX. XXXX is an exercise equipment with a size of a dinner table. I paid with Paypal account. On XX/XX/XXXX after numerous complaints I received a small package from XXXX with sunglasses. Completely different from what I ordered. I disputed with Paypal, but they refused to return me money paid $ XXXX. This is a fraud. Please review the attached documents and images. 
Thank you
Consumer complaint received 2022-04-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (FL)

I have been accessed numerous excessive overdraft fees. The fees have been charged even for transactions that were declined or not covered/paid. I am also advised per a phone call on XX/XX/08 at XXXX that this bank charges a {$36.00} overdraft fee every XXXX days when the account is overdrawn even if new transactions do not come through. This is in addition to a monthly maintenance fee as well. I have called to request a credit for fees they advised they give a credit for only fees every so often and that has already been given to me. Yes this was during the XXXX timespan. I have asked them to produce documents I signed asking them to allow transactions when the account funds are unavailable and they will not produce them. The hold times to get a rep on the phone for basic customer service exceed XXXX minutes every time you call then they do not help. This problem has come about only since the merge took place and the bank became Truist. I am on XXXX income. I work part-time and lost work time due to COVID I am still struggling and this bank has charged me hundreds upon hundreds of dollars in overdraft and account fees. They even charged a fee for a credit that was submitted to my account for a returned purchase. This bank needs to be investigated. They are absolutely violating laws with their practices. I will also contact attorneys about a class action lawsuit. I am happy tp provide copies of bank statements and other documents you need to process this complaint. This problem is big enough that bills have been presented to protect consumers from these very deceptive practices.
Consumer complaint received 2022-04-08
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # 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 602 B states 2 states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I deposited a check from my landlord for a move out deposit that was addressed to me and the other person on our lease, XXXX XXXX. Thelandlord text me and stated that XXXX XXXX has the check so I can receive it from him. I received a text from XXXX XXXX stating he endorsed the check to be deposited by me and informed me I may pick the check up and deposit it. ( all via text communication ). After I deposited the check and cut ties with XXXX, the landlord reported the check as forged. I contacted the landlord and recorded our conversation and informed the landlord that I was recording the conversation, and asked why he claimed the check as forgery. The landlord rambled on with deflection and clearly attempted to antagonize me and had several inconsistencies with his story. Chase will not give me any details on how it was justified that the check was forged. I went into a branch yesterday XX/XX/XXXX and a manager contacted the fraud department and the forgery claim was said to be removed off of my chase business account. After I left chase, my chase bank debit card was cancelled and I was unable to feed my family dinner. I contacted chase again and they informed me I need to contact the fraud department when they are open but I explained to them I already called once and went into the branch once and asked them if they can see those notes about my visit to the branch, and the manager lifting the restrictions from my account they said yes but I have to speak to Chase fraud department again. I received no notification from Chase or an opportunity to address the accusation and show proof of the landlords copy of the check and lease that he sent to me and XXXX, and has my name on it and that was deposited into my account.
Consumer complaint received 2020-04-28
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. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

DEPTEDXXXX XXXX {$13000.00} TXXXX   XXXX {$1000.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX   XXXX {$1000.00} XXXX  XXXX {$180.00} XXXX   XXXX {$370.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX  XXXX {$1000.00} XXXX XXXX {$280.00} XXXX XXXX {$970.00} XXXX   XXXX {$1300.00} XXXX  XXXX {$780.00}
Consumer complaint received 2022-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

AFTER SEEING XXXX ON SUNDAY ABOUT THE CONSUMER REPORTING COMPANYS REPORTING INFORMATION ON CONSUMER REPORTS THAT SHOULD NOT BE I CHECKED MY CONSUMER REPORT AND TO MY SURPRISE DOZENS OF ACCOUNTS WAS LISTED ON MY CONSUMER REPORT FILE THAT I HAVE NEVER GAVE WRITTEN INSTRUCTION TO DO PURSUANT TO. 

1.15 USC 1681SECTION SECTION 602 A 2. 15 USC 1681 SECTION 604A SECTION 2 THE LAW IS CLEAR OF WHAT CAN BE DONE AND MY RIGHTS HAVE BEEN VIOLATED IN ACCORDANCES WITH THE FCRA
Consumer complaint received 2022-04-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: STERLING JEWELERS, INC. (AR)

Fraudulent account is being reported! Wrong Drivers license number attached to original application, wrong phone number, wrong employment, and wrong/incorrect spelling of NLR name ( I would not misspell my own mothers name ), wrong zip code and the signature looks like a childs writing! Contact Kays and they stated it had to be my account due to previous contact with the owner! I know this account can not belong to me due to the correct phone number not being on the application and me not knowing of this account until I sent the verification request.
Consumer complaint received 2020-04-28
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: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

Bank of America Credit card disputed amount. XXXX included a {$30.00} haul away fee in the purchase of a Dishwasher which I charged on my BofA card on XX/XX/XXXX from XXXX 's # XXXX {$530.00}. XXXX 's delivered the dishwasher but did not provide the installation or the haul away service of {$30.00}. I called the store and the number provided by BofA. On three seperate calls, store employees promised the {$30.00} credit. The credit did not show up. After 30 days I went to the BofA website to dispute the amount. I was unable to figure out how to dispute part of the charge. I noted on the website disputed amount of {$30.00}. BofA credited me the total {$530.00}. I called BofA number provided on XX/XX/XXXX, waited for over 35 minutes, talked to XXXX who said she could not help me. She transferred me to a supervisor who she said could help me. She transferred me to a XXXX  language queue that kept me on hold. I hung up. 

I received a letter from BofA dated XX/XX/XXXX confirming the credit for the full amount. I wrote back to BofA to say I only want a {$30.00} credit. I'm waiting for their reply. 

Why is this so hard. No phone response that works, no email access. Why do I need to write a letter to correct XXXX 's and Bank of America 's mistakes. Boo on them.
Consumer complaint received 2024-12-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: P.S.C., Inc (WA)

The XXXX XXXX XXXX XXXX in XXXX  ( I work as a XXXX XXXX XXXX ) mistakenly billed for a hospital service and they sent the debt to a collection agency called PUGET SOUND COLLECTIONS in XXXX XXXX. I notified the hospital and the insurance about the incorrect bills and it was fully paid off by the insurance. 

I called the collection agency via their phone number ( XXXX ) XXXX and in addition through mail that the debt is not mine and should be been paid by the insurance. The hospital later informed me around this XXXX  summer that they have called the collection agency and told them the account is closed and bill was paid off by the XXXX XXXX XXXX.
Consumer complaint received 2022-11-18
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. (CT)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Consumer complaint received 2023-06-27
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. (DC)

Apartment was looted cards taken used fraudently beyond account limits bank XXXX XXXX should not have allowed fraudulent charges I submitted XXXX police report XXXX on the looting and fraudulent transactions. XXXX XXXX XXXX repeatedly allowed fraudulent transactions beyond account limits and XXXX XXXX XXXX has not accepted responsibility. 
I had XXXX secured credit card with no overdraft no cash availability and XXXX XXXX XXXX  allowed cash transactions all the way to almost XXXX in one month.
Consumer complaint received 2022-04-08
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. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Consumer complaint received 2022-04-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

Synchrony Bank charges a CARD SECURITY fee and does not show this fee in recent activity in online banking, so people never know how much they charged, and even I don't know they have a card security charge for every month. Until today I check the statement and find it shows up in the statement, this is very tricky. And I put the pdf files as an attachment showing the difference between my online banking 30 days activity and the statement, people will never know they charge the money until they see the statement. I have been charged for over 4 years, and I spend over XXXX dollars every year on this card, each {$100.00} they charge 1.66 %, and that is crazy money and tricky people by not showing that on recent activity. They are not honest and try to hide the fee, so people will not easy to notice. I don't know if I can get my money back, it should over $ XXXX they have changed under the table.
Consumer complaint received 2022-04-08
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. (AL)

I AM NOT SURE WHO AUTHORIZED THESE INQUIRIES ON MY CREDIT REPORT BUT I DID NOT. I HAVE NO IDEA WHY THESE CREDIT BUREAUS DO NOT COMPLY WHEN WE HAVE FRAUD ALERTS ON OUR CREDIT REPORTS. I CONTACTED THIS COMPANY AND WAS TOLD THAT THEY WERE NOT GOING TO REMOVE THE INQUIRIES WHICH IS NOT ONLY A VIOLATION OF MY RIGHTS BUT IT'S ALSO AGAINST THE LAW.
Consumer complaint received 2022-11-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (AR)

I changed bank accounts, so I updated my autopay online, however the system used my old bank account instead. This happened twice, and when I finally talked to someone, they said that I should turn auto pay off, make a manual payment, and then wait for that to post before setting it up again with my new bank account. Now my autopayments do not increase my available credit for over TWO WEEKS. When I messaged them online about it last month, they said they had to have a conference call with my bank to verify that the payment posted. They finally updated my available credit after I complained last month, but they did the same thing this month. So I called. And they said it was because I had a returned payment in the last year, so that they only way that I can get my available credit adjusted is to have a conference call with my bank. WHAT? It was their system 's fault that I had a return payment, and not only did I have to pay a fee for that, now they won't updated my available credit in a timely manner? The rest of the world can verify payments and post them in at least a couple of business days if not immediately, and the payment is processed out of my bank on my autopay date, but TD can't verify that it isn't returned for TWO WEEKS? What century is your company operating in?
Consumer complaint received 2022-11-05
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: CREDIT ACCEPTANCE CORPORATION (IL)

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX : $-
Consumer complaint received 2022-04-08
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 XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2022-10-08
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This goes with my previous complaint. 
I finally received my XXXX/Bank of America benefits debit card ( which had XXXX XXXX dollars + in the new account ) I activated it for the first time only to find that it had been drained of funds. I immediately notified the bank and XXXX  and have got nowhere with them. They are still committing fraud and are not working it out with me. I want to pursue legal action because I have been dealing with this for over a solid year and thought it had been resolved. It has NOT and I can't even buy food etc... 
Please help me to make this right.
Consumer complaint received 2022-04-08
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: AMERICAN EXPRESS COMPANY (TX)

on XX/XX/XXXX I placed a deposit on a piece of furniture with a company via AMEX for {$1300.00}. Vendor said would ship in XX/XX/XXXX, then late said XXXX then XXXX, then vendor cut off communications and is refusing to answer. We contacted Amex and they are refusing to do anything in regards to a dispute. They in a nut shell : say tough luck and to bad for us. Spoke to them via chat and even got the " floor manager '' XXXX to deny us as well. Seems they don ; t mind continuing thier relationship with this vendor and helping them steal from people.
Consumer complaint received 2020-05-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX