davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NY)

Fraudulent charges were debited from my savings account on the following days and were not authorized by me. I reported unauthorized withdrawals from my account and investigation was done. I received a letter stating that the error did not occur and that my account would not be credited. 
XXXX {$400.00} XXXX {$3.00} bank charge XXXX {$800.00} withdrawn- {$7.00} bank charge XXXX {$400.00} XXXX {$3.00} bank charge XXXX {$400.00} XXXX {$3.00} bank charge XXXX {$400.00} XXXX {$3.00} bank charge XXXX {$400.00} XXXX {$3.00} bank charge XXXX {$400.00} XXXX {$3.00} bank charge XXXX {$400.00} XXXX {$3.00} bank charge XXXX {$500.00} XXXX {$3.00} bank charge XXXX {$500.00} XXXX {$3.00} bank charge
Consumer complaint received 2024-05-21
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: CL Holdings LLC (AZ)

Jefferson Capital System is appearing on all ( XXXX ) of my credit reports. I have not, even to this day received an itemization of the said service or items I am being charged for. Jefferson Capital System is stating derogatory on my credit report for the amount of : {$1300.00} dated XX/XX/XXXX. I have disputed this item a total of 4 times, only for the response to be reporting as accurate. I have asked for verification of these charges including a signed and dated agreement, as this is not something I have received as of today, XX/XX/XXXX. This is not acceptable as my credit score has declined for something I do not have any information about. I have sent another dispute today using XXXX XXXX and XXXX XXXX websites in hopes to have a positive response and receive clarification and proof of charges. I have requested to have this item Deleted from all ( XXXX ) of my credit reports.
Consumer complaint received 2024-05-22
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (NM)

I believe this account is invalid. JPMCB - CARD SERVICE ACCOUNT needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be removed from my credit & their records. JPMCB - CARD SERVICE XXXX XXXX XXXX XXXX and JPMCB - CARD SERVICE XXXX XXXX XXXX.
Consumer complaint received 2024-05-22
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (NM)

I believe this account is invalid. BARCLAYS BANK DELAWARE ACCOUNT needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be removed from my credit & their records.BARCLAYS BANK DELAWARE XXXX XXXX XXXX.
Consumer complaint received 2024-05-21
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account, This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate this account for me to insure accuracy. Here is the account I am asking you to verify : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-21
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (IN)

My credit card payment is due on the XXXX of each month with YARD CARD/TD Bank . I made two separate payments by phone on XX/XX/2024, one for {$140.00} and the other for {$20.00}. On XX/XX/XXXX I looked at my checking account and the payment of {$20.00} was taken out, but the {$140.00} wasnt on there. I called YARD CARD on the XXXX to ask about this and they informed me the {$140.00} got cancelled out because I am not allowed to make 2 payments in one day. I was not told this or aware that I couldnt do that. I then asked if, now I would get charged a late fee and show a late fee on my account and they said yes. They do not have no grace period at all and they wouldnt do anything to help me and fix this.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (KY)

Under the Fair Credit Reporting Act 15 U.S.C 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your file to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
I demand the following accounts be properly verified or removed immediately : XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX
Consumer complaint received 2024-02-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (WI)

Dear PayPal Support Team, I trust this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account associated with the email address XXXX. I firmly believe that this limitation is a result of a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in any unauthorized activities.

As a dedicated PayPal user for an extended period, maintaining a positive and trustworthy relationship with PayPal is paramount to me. I am fully committed to resolving any issues or concerns that may have contributed to this unfortunate situation. 

I kindly request a thorough reevaluation of my case, urging a careful examination of the circumstances surrounding the permanent limitation of my account. I am confident that this review will reveal an error or misunderstanding. I am ready to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also enable me to continue using PayPal for secure and efficient financial transactions, just as I have done in the past. 

I deeply appreciate your prompt attention to this matter and kindly ask that you initiate the review process without delay. If specific documents or details are required from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I look forward to a swift resolution of this issue and the opportunity to resume using PayPal 's services. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting 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 2023-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Ive been back and fourth fighting everyday with Bank of America sometimes 4 hours a day they completely locked me out of any online services to my account did agent assisted transfers Ive never done and continues to allow activity in transfers ease and reversals and no statement or access for communication possible for me account take over and discrimination to be able to view access anything to now a year and half later send me resolutions letters of my account be credited and permanent and not releasing or giving my funds over a month of resolution the denie my claims less then 24 hrs when it takes 3 hours to summit with no details of investigation or reason of denial I have n way to get my money if no one regulated the law on the banks I have nothing but letters and no action its XXXX how can anyone continue to let this happen
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

I asked for these addresses to be removed and or deleted from my consumer report because they are non mailable addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-21
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: Bread Financial Holdings, Inc. (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear CBXXXX, I am writing to address a serious violation regarding the unauthorized reporting of information to my credit report. This action is a clear breach of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as Missouri state laws concerning identity theft and fraud. 

It has come to my attention that CBXXXX has reported information to my credit report without my explicit consent. Under federal law, as outlined in the FCRA, consumer consent is a mandatory requirement for such reporting activities ( Section 1681b ( a ) ( 2 ) ). 

In addition to federal law, Missouri state law provides protection against unauthorized reporting and identity theft. Missouri Revised Statutes Sections XXXX and XXXX emphasize the need for consumer consent and establish strict penalties for the unauthorized use of personal information. 

I assert unequivocally that I have not provided consent for CB/XXXX to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights, potentially damaging my creditworthiness and disregarding both federal and state laws. 

I demand that CBXXXX immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as required by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri 's identity theft laws. Failure to comply within 30 days will be considered willful noncompliance and subject to penalties under applicable laws. 

Obtaining consumer consent is a legal obligation under the specified sections of the FCRA and Missouri state law. This is a demand for compliance with both federal and state regulations to protect consumers like myself from unauthorized and harmful credit reporting. 

I expect your immediate attention to this matter and anticipate that CBXXXX will promptly rectify these violations, respecting my rights under federal and Missouri laws XXXX 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (NJ)

I requested my risk management report after my insurance skyrocketed. I asked them why and they told me that there was an at fault accident reported in XXXX of 2019. I told them Ive never been in an accident let alone an at fault accident. They informed me that I had to order the report and then dispute it. I ordered the report, however, it was not sent to me. I received a letter with instructions on how to access the report ( see attachment ). I followed the instructions, the link, and attempted to use the PIN, however that didnt work. I understand that things happen but my issue is with their blatant lie. Please take note of the error message screenshot. In there they give a number and specifically state to speak with a live representative which is a lie. Ive called this number as well as others Ive found on their website which lead me back to the same recording and NONE of them offer an option to speak with a human. 

So, they first send me incorrect information for me to access my report then lie about my ability to speak with a human. You see, had they not lied and I actually could speak to a human, maybe my problem would be solved but all over their website they list phone numbers to speak to a human and none of them get you a human. I had to put in another request online to the support team. I finally was able to get someone on chat, they ga e me a number not listed anywhere so obviously its an internal number thats only given out by their support team. 

I called that number and basically get told theyll send out a new letter in 7-10 business days. I already waited the 7-10 business days for the first useless letter and now another 7-10 business days and hope I get the right information. Meanwhile, my insurance doubled for something that is 100 % not mine. I understand this needs to be disputed but it is 100 % inappropriate what I need to deal with and still only hope I get what I requested. 

I think it terrible that nobody holds these reporting agencies accountable. I see all of these laws they have to abide by but they dont, because they dont have to. Were all 100 % at their mercy and NOBODY holds them accountable. 


Of course if I sent my customers letters with a number telling them where to reach a human and that wasnt true, Id be charged with deceptive advertising but here, Ill sit and just keep waiting, paying double car insurance despite knowing unequivocally it does not belong to me or any other family member, and LexisNexis will just continue to list false information, make you wait basically almost a month to hopefully get the correct information only to then dispute information and wait another month because you allow them to do whatever they want! So who will reimburse me for all of the money Im wasting?
Consumer complaint received 2023-09-20
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)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed or omitted. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2024-05-23
Product: Credit 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: Block, Inc. (MI)

I am a XXXX  enrolled in XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI, ON XX/XX/2024, I was talking to the collections department of this college about previous balances that I owed, the representative explained that there was a payment plan in place for me to make monthly payments which would begin at the beginning of XXXX, I agreed to the payment plan and gave the representative my cash app debit card number upon the agreement of monthly payments around {$200.00} a month. I later found out that my debit card was charged for the entire balance which is XXXX on XX/XX/XXXX XXXX. I called the school about that charge and they told me it was nothing that they could do because it was paid towards my balance even though I explained the initial agreement of the monthly payments for {$200.00}. I disputed that charge on XXXX XXXX as an unauthorized charged because I did not authorize that charge. On XX/XX/2024, I received a call from the college stating that the charge was filed as a unauthorized charge and that they will be returning the funds and replacing the balance of XXXX back to my student account. On XX/XX/2024 I received an email from cash app stating that my claim was denied. I then called cash app and asked why was the claimed denied, when the school said that they reversed that transaction and put the charges back on my student account for entire amount of XXXX. Seems unfair and predatorily wrong on cash apps behalf. if the funds were returned then that is my money how can my claim be denied if the money was returned. I have been using cash app for a long time, and they didnt even try to help me solve this matter any other bank would have went above and beyond to help a loyal customer.
Consumer complaint received 2023-07-12
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. (NY)

There is a derogatory account on my report that should not be there from XXXX XXXX XXXX  XX/XX/22. That information is inaccurate. I spoke to XXXX XXXX when this situation first occurred, and they agreed to contact the bureaus and remove the XXXX late payment. they contacted you remove it right after I was notified of the negative remark. the next month my points came back, and I was happy, but the bureaus never removed the remarks. please remove these remarks so that I can try to purchase my dream home, I don't want these remarks to negatively affect the image of my credit worthiness
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

Experian is reporting the wrong names, addresses, and account information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Wrong addresses Wrong account information- account that are over 10yrs old and closed, reporting late payment on closed account, reporting late payments on account in deferment.
Consumer complaint received 2023-06-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

The summer of XXXX, I graduated and decided to look for some apartments or dorms with my friends for college. We went to XXXX XXXX Apartments in XXXX, Texas and were excited about how the property was and the staff. XXXX of the employees asked if we decided on if we wanted yo stay there, but we had told him we had to wait to talk it over with our parents. The next day, we went back and we told him that we still wasnt sure yet, but he insisted that we sign some papers to, in his words, keep our rooms secured. We signed them NOT knowing it was a lease agreement after we told him that we cant sign anything important until we talk to our parents. The next morning my friends mom called and told us that we signed a lease and after that I called them multiple times to try to see if they can change it. I never officially moved in or anything at all.
Consumer complaint received 2024-05-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (FL)

Over 30 days ago I mailed a first class ( postage paid ) letter to American Express requesting documentation regarding an account that its being reported on my credit reports. Until today I havent received even an acknowledgment of my letter. 
Please see attached letter, and send me all requested documents to my email address stated in the letter. 
I appreciate your prompt attention to this matter.
Consumer complaint received 2023-12-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (TX)

I opened an online account with Citi bank on XX/XX/25. Account approved, able to set up. I deposited funds, waited a week for a debit card, set up direct deposit and deposited additional funds. I called to request an update on debit card shipping status. I was then notified by the fraud department my account was placed under review XXXX status on XXXX. I have called customer service over XXXX times, spoke to the fraud department, spoke to XXXX different fraud specialists trying to resolve this issue and keep getting told 24-48 hours. They are holding all of my funds at the moment and will not provide any resolution.
Consumer complaint received 2023-12-20
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 want to stress that the mentioned inquiry on my credit report has no connection to me. I am not familiar with, nor have I ever been affiliated with the listed creditors. I urge you to take swift action to delete this inquiry from my report. Thank you for addressing this concern promptly.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX