davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC. (CA)

I have two issues with ALLY bank. They denied two transfers that I requested from my brokerage account. The first transfer was from an automated portfolio. I attempted to contact them about it and they said that they denied the transfer because the funds hadn't settled. Unfortunately, I am unable to place trades in the account because it is a managed portfolio, so if they deny my ability to withdraw funds that aren't settled then it would be impossible to withdraw the funds. They need to liquidate the account and then transfer the funds after 2 days. Denying the liquidation gives me no options. 

Next, they denied my ability to remove XXXX dollars from another account of mine. They stated it was because the funds are not settled, but the issue I am having is that their web interface explicitly stated that the funds were available for withdrawal on the day that the transaction was denied. I attached the screenshots to this complaint.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I was shocked this afternoon when I saw inaccurate accounts on my credit report, and I have no clue why they are there. I regularly check my credit report, and everything was fine until today when these errors appeared out of nowhere. I even tried refreshing the page, hoping it was just a glitch, but nothing changed. The inaccurate accounts stayed, which has left me very concerned. I urgently ask that the documents I provided be thoroughly reviewed so I can stop worrying about this once and for all.
Consumer complaint received 2020-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

Upon Review my credit files, it showed a false account from XXXX XXXX XXXX XXXX in the amount of {$210.00} reappear in my credit files which have already been settled in the past.
Consumer complaint received 2020-04-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (OH)

Looking over my credit report and noticed there were some accounts the do not belong to me and I need them deleted immediately. These accounts are holding up my process in buying a new home and need the accounts removed. Accounts are listed below : XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, ENHANCED RECOVERY COMPAN # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXXXXXX # XXXX.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

On XX/XX/year> I sent several dispute letters to all XXXX credit bureaus ( XXXX, XXXX, Equifax ) in regards to multiple fraudulent accounts negatively affecting my credit ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) that were a result of identity theft due to a data breach and they did not remove the accounts. According to the FCRA code 1681 15 USC The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Consumer complaint received 2020-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates the collection of consumers ' credit information and access to their credit reports. It was passed in 1970 to address the fairness, accuracy, and privacy of the personal information contained in the files of the credit reporting agencies. 

sent ftc violation 3 months ago XXXX XXXX
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

I reached out to Equifax, XXXX XXXX and XXXX to have inquiries old addresses that were affiliated with negative accounts, that no longer reside at collections close the counts report and open inquiries in which I never received serves. This is good for to be removed from my credit profile.
Consumer complaint received 2020-04-26
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. (TX)

The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates the collection of consumers ' credit information and access to their credit reports. It was passed in 1970 to address the fairness, accuracy, and privacy of the personal information contained in the files of the credit reporting agencies. 

sent ftc violation 3 months ago XXXX XXXX
Consumer complaint received 2024-09-06
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. (WI)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. 

As this my 3rd time trying to remove these items so I can buy a home. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed and blocked immediately.
Consumer complaint received 2020-04-26
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP (OH)

Hello, I have had an issue with receiving my unemployment benefits. I have attempted to connect with both my Ohio state office and the ReliaCard customer service since the start of XXXX. It was brought to my attention that payment benefits were being distributed to my ReliaCard debit account, however, I never received the card to access the benefits. I have attempted to contact both the ReliaCard support line and state office to receive a card to access my benefits, but in order to do that I needed to have a card number. As you can see that is impossible because I never received a card and unfortunately I have been unable to connect with a representative from both parties to share this issue. I have attempted to make contact to report this issue and obtain and new card by calling both parties a countless number of times, daily. The line does not connect after being on hold for several hours and it hangs up on me. 

I need to receive this benefit, as I have been laid off like so many due to COVID-19 and I need this resource to sustain my livelihood. Please help me resolve this soon. 

Thank you.
Consumer complaint received 2020-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MI)

As of today my credit score from experian says XXXXMy score went down without me knowing.My credit score from XXXX  and XXXX  are above 750
Consumer complaint received 2020-04-26
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I would like the collection calls to stop. Ive been making payments towards the balance. 

I lost my job and became homeless. Thats why I fell behind on my payments. As soon as I got a job, I began to take care of the balance owed. However, Ive been furloughed due to COVID so I am unable to continue making anymore payments. I would like to settle for {$1500.00}. I have saved this amount and would like to pay it to take care of the account for less than the balance owed.
Consumer complaint received 2020-04-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc. (NC)

I have requested the following information from GLA for several years and still have not received an answer from them. I believe this said debt is not mine as they have not provided proof of the said debt and the original creditors have no record of my name on file. GLA continues to keep it on my credit reports without providing the requested proof and documentation of said debt. 

There is an alleged debt on my credit report from GLA for the following : {$360.00} from XXXX XXXX {$290.00} XXXX  XXXX  XXXX {$150.00} XXXX  XXXX  XXXX  XXXX  I have reason to believe I do not owe this debt because I have never had an account with that creditor. 

I request all of the following information be provided to me by mail : 1. The amount of the alleged debt including an itemized statement of said debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt including my original signature as guarantor. 
4. Documentation showing you are licensed to collect debts in North Carolina.
Consumer complaint received 2023-03-17
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. (PA)

Fraudulent Accounts and Inquiries Appearing On Credit Report. 

XXXX. XXXXXXXX XXXX  {$710.00} XXXX. XXXX XXXX {$720.00} XXXX. XXXX XXXX {$270.00} XXXX. XXXX XXXX {$720.00} Inquiries XXXX. XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX
Consumer complaint received 2020-04-24
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. (FL)

XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2020 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX  XXXX {$1100.00} XXXX  XXXX XXXX  XXXX {$500.00} XXXX/XXXX   XXXX {$610.00} XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2020-04-27
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. (IL)

Ive tried contacting Equifax in regards to this matter I have inquiries on my credit file that I did not approve or do every inquiry on my credit file is incorrect. Ive tried to contact them to remove it. I have a credit freeze on my file so Im unsure on why would any inquiries even appear on my credit file.
Consumer complaint received 2020-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (VA)

I am trying to get a new card because I lost my American Express Blue Cash Card. However my billing address on the website is outdated and no longer valid. I couldn't change it without the CSV on the back of my card which I don't have. I can't reach American Express ' help support because their online system says I need to reach them to fix this but there is no phone number or online chat option due to a glitchy website. I essentially am denied access to my credit card.
Consumer complaint received 2023-03-17
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: Bread Financial Holdings, Inc. (OH)

I obtained {$100.00} rewards with this credit card. When i redeemed it, i received {$1.00}. Bread Cashback bank is aware of the problem but they keep extending when this problem will be fixed. Now they don't even answer the phone anymore.
Consumer complaint received 2020-04-26
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: DISCOVER BANK (NY)

I received my card on the XX/XX/2020 and called customer service after opening the card and seeing the APR I am contacting you regarding my recent application to a discover it card, I received an offer in the mail that stating that I would be getting an APR of 13 % when i received my card I was told that they were giving me 20 % as my APR. 
I did talk to a rude women on the phone who only said that it had to be done at the time of applying. Seeing how it is not clearly stated on the letter with the invitation number I feel as though this is a gross representation of the pre-screened offer that I received. I also never received an initial APR offer of 20 % upon applying or I would have never signed up for the card seeing how much higher it is than what was offered in the mail. Is there any way this matter can be resolved?
Consumer complaint received 2020-04-24
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: DISCOVER BANK (DC)

On XX/XX/XXXX, my XXXX  XXXX Personal CD matured ( XXXX ), for {$260000.00}, & I contacted Discover Bank, to acquire a higher rate CD ( at 1.75 % ). Discover took all my information, saying it would require 5-7 days to open the CD ; the CD number was to be XXXXThe amount was to be {$250000.00} or more. I said OK. 
After 2 calls to XXXX  to request the transfer ( via ACH ), XXXX said they only transfer CD monies to a savings or ck account -- not to a CD! So I had to have Discover Bank set up a savings account & XXXX would make two test deposits to prove it was my account where the money was going. So we went through that crazy procedure & it went OK. On XX/XX/XXXX I asked XXXX why the CD & was money not transferred, & they said " Discover had frozen my savings account ''. So it could not be used. I called Discover & they said : 1 ) I should never have opened a savings account, only a CD ; 2 ) I would need pay a {$30.00} wire transfer fee for the funds. But every step of the way with Discover someone was trying to mis-lead me. Their telephone reps would say something & when I questioned it, they would backtrack & change it. They did claim the account was never froze. On XX/XX/XXXX, I learned the money was transferred to Discover & into my savings account. In speaking with the rep, I decided to open the CD with {$250000.00} & receive the rest in a check to me. The rep worked to open the CD and when I asked her to confirm the 1.75 % 12 month rate I was promised ( on XX/XX/XXXX, for at least 4 weeks ), she at first said it was only 1.5 %. I questioned this & asked for a Supervisor. She spoke to him & then told me the 1.5 % was only for On-line opened accounts but I was a call-in & would get the 1.75 %, per her Supervisor. Yesterday, XX/XX/XXXX, I received the Discover confirming letter for my CD opening ( acct XXXX ) -- at 1.5 % Typical Discover, telling you one thing, & then doing another. Right up to the edge of fraud. But labeling it always that the telephone rep was confused. 
On the one hand, XXXX was guilty of deception -- -that I needed a savings acct & proof it was me holding it. On the other, Discover was working to mis-lead me with every telephone rep comment. And the .25 % interest rate they denied me equals $ XXXX/year. Just year 1. As an honest consumer, I need Consumer Protection to exercise some authority with Discover Bank -- and secure the 1.75 % I was promised. I also filed a complaint with the FDIC.
Consumer complaint received 2020-04-24
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. (GA)

I paid XXXX XXXX  the full amount owed and not a settlement amount. The account was supposed to be removed from my credit report once the payment posted. The account still appears as a charge off on my credit report.
Consumer complaint received 2020-04-27
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: JPMORGAN CHASE & CO. (NY)

At XXXX today, I received a letter from Chase titled " Thank you for your interest in a Chase credit card. '' Since I did not apply for a credit card, I disregarded it as spam since I did not apply for a Chase credit card recently and already have one. However, there is an inquiry on my credit pull from them on my credit report now.