davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (ID)

Deposited a check via mobile deposit on XX/XX/year> then received an email that my deposit will not be available until XXXX. 

Called Capital one and was told they cant cancel deposit and that they cant do anything until 24 hours after deposit is made. 

Called next day and was told nothing could be done because they cant override the system. 

They are messing with peoples livelihoods, I have a mortgage payment that will now be late because I dont have access to my own money for 5 days.
Consumer complaint received 2022-10-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (UT)

Back in XX/XX/2022, I noticed USBank has an online AD shows they provides a {$400.00} welcome bonus offer for new personal checking account ( needs to complete recurring direct deposits that total {$4000.00} in first couple months ) I opened checking account via USBank 's website with Promo code " XXXX '' on XXXX, and start using this new personal checking account as my salary direct deposit account. 

By now, I already made more than XXXX direct deposits and more than {$50000.00} in total, but still not received the {$400.00} welcome bonus. 

I contact USBank customer service more than 5 times in the past 3 months about this problem, they checked my direct deposit history, told me I was eligible, I can expect the the {$400.00} welcome bonus hit my account in couple weeks, but it never happened.
Consumer complaint received 2022-10-05
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. (CA)

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 investigate and correct from erroneous reporting in my file are listed on my credit report : DEPT OF EDUCATIONXXXX XXXX Date opened : XX/XX/XXXX Balance : {$7900.00}, DEPT OF EDUCATIONXXXX XXXX Date opened : XX/XX/XXXX Balance : {$5700.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XXXX XX/XX/XXXX Balance : {$5600.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XXXX XX/XX/XXXX Balance : {$3600.00}, DEPT OF EDUCATIONXXXX XXXX Date opened : XX/XX/XXXX Balance XXXX {$2000.00}, DEPT OF EDUCATIONXXXX XXXX Date opened : XX/XX/XXXX Balance : {$1400.00} XXXX and DEPT OF EDUCATIONXXXX XXXX Date opened : XX/XX/XXXX Balance : {$1100.00} XXXX
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I checked my XXXX and Transunion credit reports and noticed I had unauthorized inquiries for accounts I did not apply for. This is a violation of my rights and I would like these inquiries removed immediately or I will file for litigation against XXXX and Transunion. I have attached my dispute letter and identity theft report to this complaint for your review.
Consumer complaint received 2021-04-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: FISERV INC. (CA)

I made a money transfer from my Money Network XXXX XXXX to our XXXX  XXXX XXXX account on XX/XX/XXXX. The money has not shown up in my account. XXXX XXXX XXXX has told me there have been no attempts to deposit any money into my account. I have filed complaints that the money has not shown up and each time I have received a form letter that states they have completed their investigation and no errors were made. XXXX XXXX XXXX has told me NO ONE has contacted them about the transfer. I have no information from them about where the money went, but it is clear, it DID NOT go to me. It is MY money and I intend to take every measure available to me to make sure I get My money.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-05
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)

Please be advised this is my FOURTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite three previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$2300.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$10000.00}, XXXX XXXX XXXXXXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I have sent a dispute package to the credit bureau where the account is listed and XXXX has refused to remove the account from my report. I sent multiple pieces of evidence in support that the account was not created by me and XXXX refuses to take action. Additionally, I have called the XXXX " customer support '' team multiple times and they are incredibly unhelpful. I would not consider them " support '' as they have not supported me whatsoever.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc. (GA)

There is misleading inaccurate information being reported on my credit report. The company 's name is XXXX XXXX XXXX XXXX  and the mount is : {$520.00} the date is : XX/XX/2018
Consumer complaint received 2022-10-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I requested Portfolio recovery XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX to stop communicating with me. They continue to call me and send me written communications. Portfolio Recovery services is not licensed to collect debts in New York state. Further more per New York State law the statute of limitations of debt collection in New York is three years. Per information reported by Portfolio to XXXX and other credit reporting agencies the alleged debt was opened XXXX and is over XXXX XXXX XXXX therefore can not be collected per New York State law. I requested account be removed via XXXX XXXX complaint and Portfolio Recovery services is still illegally reporting and actively trying to collect a collection account on my credit and contacting after I have requested not to be contacted.
Consumer complaint received 2022-10-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BARCLAYS BANK DELAWARE (NY)

I requested XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX to stop communicating with me. They continue to call me and send me written communications. XXXX XXXX services is not licensed to collect debts in XXXX XXXX XXXX. Further more per XXXX XXXX XXXX law the statute of limitations of debt collection in XXXX XXXX is three years. Per information reported by XXXX to XXXX and other credit reporting agencies the alleged debt was opened XXXX and is over XXXX XXXX XXXX therefore can not be collected per XXXX XXXX XXXX law. I requested account be removed via XXXX XXXX complaint and XXXX XXXX services is still illegally reporting and actively trying to collect a collection account on my credit and contacting after I have requested not to be contacted.
Consumer complaint received 2022-10-05
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. (CA)

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 investigate and correct from erroneous reporting in my file are listed on my credit report : DEPT OF EDUCATIONXXXX XXXX Date opened : XX/XX/XXXX Balance : {$7900.00}, DEPT OF EDUCATIONXXXX XXXX Date opened : XX/XX/XXXX Balance : {$5700.00}, DEPT OF EDUCATIONXXXX XXXX Date opened : XX/XX/XXXX Balance : {$5600.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XXXX XX/XX/XXXX Balance : {$3600.00}, DEPT OF EDUCATIONXXXX XXXX Date opened : XX/XX/XXXX Balance XXXX {$2000.00}, DEPT OF EDUCATIONXXXX XXXX Date opened : XX/XX/XXXX Balance : {$1400.00} XXXX and DEPT OF EDUCATIONXXXX XXXX Date opened : XX/XX/XXXX Balance : {$1100.00} XXXX
Consumer complaint received 2022-10-03
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. (NC)

This company forced me into a verification process that lasted months, during which time I was unable to update my banking information to make payments. The have no phone system and they never responded to emails. Then I suddenly receive a settlement offer, which I accepted and paid but they dont report it to credit agencies, theyve saddled me with a bunch of missed payments, which I could do absolutely nothing to remedy and they did not provide me a copy of the settlement either electronically or by mail. An immediate investigation needs to be launched on this company and its unfair and seemingly illegal practices.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This company forced me into a verification process that lasted months, during which time I was unable to update my banking information to make payments. The have no phone system and they never responded to emails. Then I suddenly receive a settlement offer, which I accepted and paid but they dont report it to credit agencies, theyve saddled me with a bunch of missed payments, which I could do absolutely nothing to remedy and they did not provide me a copy of the settlement either electronically or by mail. An immediate investigation needs to be launched on this company and its unfair and seemingly illegal practices.
Consumer complaint received 2022-10-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (CA)

On XX/XX/22, I made a purchase for {$9500.00} on my XXXX Credit Card pursuant to a promotion that offered no interest payments for a 12 month period and a waiver of tax with a newly opened credit card. I was induced to open the store credit card solely based on this promotion. At the time, there were also additional benefits for selecting online billing. On XX/XX/22, a finance charge of {$62.00} was assessed arbitrarily and without explanation. Then, on XX/XX/22, the first interest charge on purchases was assessed for {$100.00}. Subsequently, an interest charge of {$230.00} was assessed on XX/XX/22, as well as an interest charge of {$210.00} on XX/XX/22. I have called Commenity Bank and spoke to XXXX, XXXX and XXXX respectively, to dispute the finance and interest charges to no avail. XXXX advised that they do not accept disputes on these charges after a 60 day period. I advised that I am unable to open any PDF statements on their site, as the online statements are not accessible in any form. The only reason that I was alerted to these charges was pursuant to a separate dispute wherein the representative made me aware. I would like Commenity Capital Bank to comply with the 12 month interest free promotion that induced the purchase. Had the promotion not been advanced, I would have purchased the items utilizing a different method. I feel that XXXX XXXX  XXXX and Commenity Capital Bank misrepresented the promotion.
Consumer complaint received 2022-10-05
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. (IL)

My complaint is transunion LLC they are reporting two accounts that are not mine I am a victim of identity theft I have proof. But yet they still countuine to report incorrect information on my credit file. 
The two XXXX XXXX accounts are # XXXX and # XXXX that are incorrect on my credit file these account are not mine. 
The resolution is to correct the issue.
Consumer complaint received 2022-10-05
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. (CA)

In accordance with the Fair Credit Reporting act 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-05
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: ENCORE CAPITAL GROUP INC. (PA)

Midland Credit Management Accordance with the Federal Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states that I have a right to privacy.

15 USC 1681 section 604 ( a ) section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ) Billing Error- A creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose.
Consumer complaint received 2021-11-11
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. (CA)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2022-10-05
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: EQUIFAX, INC. (IL)

There are multiple accounts open in my name without my permission or authorization, including XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. There is also wrong information submitted and incorrect spellings of my name including XXXX XXXX XXXX and XXXX XXXX XXXX. There due to these false account openings this has created financial hardships and issues with my actual accounts. Multiple accounts were affected as long as my financial well being. 

I was recently contacted by several lenders and collection agencies about various accounts that were opened without my permission during the timeframe of XX/XX/XXXX thru XX/XX/XXXX. We believe this stems from a scam taking place in XXXX where I was scammed by an auto dealer whom stole {$10000.00} from me and failed to deliver a vehicle. A police report was filed regarding the scam, as well as reports w/ XXXX XXXX XXXX Attorney 's office, XXXX New Jersey XXXX XXXX XXXX XXXX of XXXX XXXX for the state of New York. 

Furthermore, it is also believed that since these same bad actors were in possession of my personal information that my info was either sold by the organization or misused by the same organization. These same bad actors continued to apply for multiple lines or loans ad credit during the better half of this year XXXX. There were over XXXX inquiries counted from one credit bureau alone. 

All 3 credit reporting agencies have also misused my credit report as my true information has been compromised, name misspelled and fraudulent employers listed. 

This same company ( which scammed me ) is also under investigation for the same types of crimes against multiple individuals. However, we do not have any definitive evidence that these same bad actors stole my identity. There is now a pending judgement that was enforced by the DMV of New York during their investigation for the outstanding funds that were stolen from me. ( Hearing Unit XXXX ; XXXX XXXX XXXX ; Facility XXXX ). 

I have yet to be paid from judgment and the business, as well as the owners, are now unable to be found and have not been served with the new court order. These people should be in prison not having a judgment only against them. Thanks for your help
Consumer complaint received 2022-10-05
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. (CA)

In accordance with the Fair Credit Reporting act 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Someone used my personal information to open a Checking and Savings account with Bank of America in XXXX. It is now XXXX and after several calls with Bank of America and proving that I am me, Bank of America will not close these accounts. These accounts were both opened when there was an active XXXX XXXX on my credit accounts. Bank of America did not attempt to contact me like suggested by the fraud alert before opening the accounts. Today ( XXXX ), Bank of America allowed someone to try and open a credit account in my name. Directly after the XXXX incident, I have my credit frozen at all three bureaus, yet Bank of America still did a hard hit on my credit ( XXXX point decline... ) I contacted them again and they, again will not help me close these accounts.
Consumer complaint received 2022-10-05
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. (CA)

In accordance with the Fair Credit Reporting act 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-05
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. (CA)

In accordance with the Fair Credit Reporting act 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX {$46000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}