davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (GA)

This is regarding the Bread Rewards XXXX XXXX credit card from Bread Financial. I had a balance on XXXX, which I paid online from a bank account. Bread could not process the payment and charged me a late fee of {$29.00} and finance charges of {$2.00}. If they could not process the payment, they did not send me any electronic notification. 

This is a new credit card that they have launched and their online systems are not set up properly : XXXX. I keep getting prompted to update my email and phone, although I have done it multiple times. 
XXXX. If they do not accept a particular type of bank account, then should alert the user when the payment account is being added. I tried with different banks as their system would not allow me to save the information while not displaying any reason. Finally, after XXXX bank attempts, I was able to successfully add a payment account. There were no errors. 

I spoke to XXXX from Ohio, ID XXXX. She said that they can only accept bank accounts that have a routing #, account # and accepts ACH. All the accounts that I tried adding does that. Then she said that we only accept checking accounts. If so, their system should not accept savings accounts. All other credit cards that I work with accept any payment account type. 

I asked her to take off the fees. She said that she would not. I am not paying them extra for inefficiencies in their system.
Consumer complaint received 2023-03-14
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: Experian Information Solutions Inc. (NC)

According to my research about FCRA 605, credit bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} XXXX XXXX XXXX  XXXX Balance : {$4300.00}.
Consumer complaint received 2023-11-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2023 I got a call from someone claiming to be my bank Well Fargo, he said he was XXXX from Wells Fargo. He claimed they were some unusual charges on my account and that he needed me to download app called XXXX and that someone was using XXXX for {$1000.00} loan in my name & I had to verify myself, than he had me XXXX {$1000.00} to him at XXXX, and then XXXX {$2000.00}, and XXXX another {$500.00} to him saying the money would go into another account for me, but it was really going to him. Wells Fargo has closed the cases & says since I approved the XXXX transactions that I cant get the money back. They also said they contacted the bank he used and waiting for his bank to look into it and get the money back from his bank. However, he has unenrolled from XXXX and havent gotten the money back and Wells Fargo cant do anything else. 
I explained to the bank that he was a scammer & because I used XXXX, they cant get the money back.
Consumer complaint received 2023-03-14
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 XXXX XXXX XXXX 15 U.S.C 1681 section 602 A . States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Its 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 and 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 then 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 2023-03-14
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-03
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: NAVY FEDERAL CREDIT UNION (VA)

Navy Federal Credit UNION refused to except my " promissory note, '' as an  ( security ) , as LEGAL TENDER, under current statutorial law. pursuant to the HOUSE  JOINT RESOLUTION 192 and public law 73-10, this credit union can not req uire an payment complaintant to pay neither GOLD, COIN, or any particular kind of currency of FEDERAL RESERVE NOTES, BANK NOTES, CERTIFICATES etc. as declared to be against PUBLIC POLICY ... Also the denial of my promissory note as LEGEAL TENDER, under Uniform Commercial Code and securities law clearly demands this authority. this credit union refused to except the payment of legal tender as law requires.   see titl e 31 USC s. 5118 ( d ) 2 ). title 31 s. 463 9728    XXXX   XXXX   XXXX   XXXX   XXXX  . This whole procedural is fraudulent. THUS putting this information on my credit information and social security information ....     Date :  XXXX / XXXX / XXXX  Amount : {$540.00} NAVY FEDERAL CREDIT UNION  XXXX   XXXX   XXXX   XXXX   XXXX , VIRGINIA  XXXX
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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 XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

People are using my credit cards and charging me they have used XXXX and making me pay for it and the banks do fraud they use other money I have to make it that I got it back my money which in reality there doing fraud to they also ruined my credit score
Consumer complaint received 2017-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

When I originally called  Rushmore  to ask about getting my   Property Mortgage Insurance removed, they claimed that the only method to get it removed was to have an appraisal done on my house. However, according to the federal Homeowners Protection Act, this should have been removed automatically when the principal balance reached 78  percent of the original value of my home. According to my mortgage statement from Rushmore dated  XX/X/XX , I met the 78 percent threshold before I even requested the PMI to be removed.
In addition, after Rushmore received my authorization for an appraisal to be conducted via fax on   XXXX   XXXX   XXXX  , they failed to actually order the appraisal until   XXXX   XXXX   XXXX  . I believe this was purposely delayed to keep me paying the PMI since Rushmore benefitted from this insurance which seems to be a conflict of interest. I had to call three  times after   XXXX   XXXX   to ask for updates and only after I requested to speak to a supervisor on   XXXX   XXXX   did they finally admit that I had already submitted the authorization for appraisal and that the appraisal should have been done weeks ago.
Rushmore has failed to be transparent during this entire process, and as of   XXXX   XXXX  , has placed a cease and desist hold on my account stating there will no longer be an type of verbal communications, outgoing calls or written correspondence except as otherwise required by law. When I requested phone transcripts of my calls with Rushmore and more information regarding how the process to remove my PMI should have taken place, they refused to offer this information. They have refused to even tell me how much my home appraised for after requesting this via phone call on   XXXX   XXXX   and in writing through their secure message portal. The cease and desist hold seems like their form of retaliation against me and also a way to intimidate me as the consumer.
After my call to Rushmore on   XXXX   XXXX   I was promised a follow-up call with a supervisor to ensure my request was moving forward. I did receive a call on   XXXX   XXXX   at   XXXX   EST   but was unable to answer. The left a voicemail promising a return call in 30 minutes but I never received one or was given a number to contact this person back specifically. This was just another moment in which Rushmore  failed to deliver on what they promised me. This also includes them failing to respond to provide recordings or even phone transcripts of calls I had them that I had also requested.
Consumer complaint received 2024-01-03
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

CapitalOne requested information from me ( letter attached ).

I provided the information they requested ( 2 documents attached ). The information I provided exactly matches what they requested ( i.e. a bank statement and a government i.d . ).

CapitalOne informed me they are closing my account because I did not supply the requested information. This assertion is incorrect. They are squeezing me out of the financial system and have not provided any reason for doing so and have not accepted the documents they requested and I sent them, to avoid closing my account.
Consumer complaint received 2023-11-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

Below is a summary of the response I sent to PayPal 's Claims Appeal Team : I understand what you are saying about the denial of the personal payment and nothing can be done due to PayPal 's policy around personal payments not being protected -- However, I want it on record that I adamantly disagree with this stance from PayPal and there should be protections in place to protect consumers that are victims of theft and/or scammed. 

Excluding the personal payment denials with accompanying email address, I do not understand the denial reason of " personal payment '' for the following as these were not in my network or in previous transaction history since opening my account with PayPal : Please explain why I am not protected from these charges and provide feedback on the questions below : Why would the following unauthorized charges not be protected by PayPal? 

* XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Also, it appears that the PayPal Cash Card ( Debit ) exceeded the daily spending and withdrawal limits set by PayPal - Did PayPal allow these limits to be exceeded? 

If so, why would that happen? Historically, I tried to use my card years ago when I needed to exceed the limit due to an emergency and Paypal denied my request to exceed the daily limit for a day, yet in this scenario that negatively impacted me it was allowed to process. Based on this situation it would appear that PayPal policies are only followed when it benefits PayPal and not when it would protect it's customers.
Consumer complaint received 2024-05-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Block, Inc. (CT)

On XX/XX/year> I received a credit card from CashApp in the mail. I did not apply for a CashApp credit card and don't believe I have a CashApp account. The card had my correct name on it and indicated that the issuing bank is XXXX XXXX. Note that this account was opened despite my having a security freeze on my XXXX, XXXX, and XXXX accounts. 
I instructed CashApp to close the account and they reported that they would do so once I confirmed my name and provided photos of the card I received, which I did.
Consumer complaint received 2024-05-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

My wallet was stole on XX/XX/year>, I received a fraud alert text messages from JP Morgan Chase at XXXX PM said there was fraudulent transactions on my card. I denied these charges, and submitted a request for a new debit card. Chase reversed my charges for {$200.00} temporarily while doing an investigation, and has now reversed the charges because the are claiming the transactions are valid, despite they fact my card was stolen and they sent me messages regarding fraudulent activity on my card.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (DE)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 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 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 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I checked my credit report and saw that the accounts I have been disputing are still appearing on my report even if I already said that it's not mine and I already filed an FTC report for it. This is violating my rights and I wanted these Items removed from my report. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION (GA)

I attempted to remain in honor by tendering payment via an ambiguous negotiable instrument in the form of a paid U.S. Postal XXXX XXXX. The money order clearly states at the bottom that it is a negotiable instrument which I bought and paid for the rights to negotiate it. XXXX XXXX number XXXX was made with the proper clauses and provision based on banking law in the amount of {$6000.00} in accordance with HJR-192 Public Law 72-10, U.C.C. 3-603 ( b ), U.C.C. 3-311 and public law for negotiable instruments to NAVY FEDERAL CREDIT UNION on XX/XX/2023. I called on XX/XX/2023 and spoke with one of their customer service representatives. A copy of that phone conversation will be attached. They refused to stand in honor of the law by applying the proper payment to my account. They returned my instrument and did not discharge the debt.They continue their collection efforts with threats of closing my account ; even with the ability for the instrument to remain negotiable which is an even greater benefit for them. I am filing a complaint and asking for an immediate investigation to rectify the situation without levy so they may remain in honor. As it stands they are committing an illegal act and are currently in dishonor, as their practices are against the laws in which our country is built on.
Consumer complaint received 2023-03-13
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: Bread Financial Holdings, Inc. (MO)

In accordance with The Fair Credit Report Act XXXX accounts XXXX and XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital one changed of two different accounts on my credit report. Ive have called this company numerous of times about this fraudulent accounts and they keep telling me these accounts are accurate. They have sold these account to two different debt collectors but capital one bank and capital one XXXX is still shown on my credit report. They are violating my rights using 15 usc code 1681 to a fair and accurate credit reporting.
Consumer complaint received 2023-11-18
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In XXXX someone opened up a credit card from kohls in my name without my consent. I saw it on my report later that month and tried to dispute it but at first I couldnt bc they also created an XXXX and XXXX account in my name until I was able to call and change the password. I finally was able to dispute but the dispute was completed and its still on my account and they spent {$770.00} on that card. Please remove it from my credit report I have nothing to do with this.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I have filed complants on EQUIFAX starting XX/XX/XXXX, XXXX and XX/XX/XXXX about not correcting my report They also have my name wrong it should be XXXX not XXXX XXXX I ran my reports today and I still have incorrect information nothing has changed, i have nquiries still on it that should have been removed. collections that are not mine, have not gotten and documents I have requested fromcompanies and equifax still states its veried and accurate whch is a lie. I have said I wanted signed contract from XXXX XXXX, XXXX  I wanted all transcations because i paid them with ACH and was never late they would charge me late fees when paid or say i didnt pay when i did I even sent target a certifed ketter of valadation back many years agao requsting this and sign copy they g it and I still am fighting this. XXXX  XXXX i have the same issue they got my letter and i havent gotten any proof because these arent mine, no signuatures here is the issues im still not seeing being corrected, collections XXXX  XXXX XX/XX/XXXX - {$1900.00} XXXX  XXXX XX/XX/XXXX - {$550.00XXXX XXXX XXXX XXXX XXXX  thi was a secured credit card i paid {$350.00} deposit I cancelled the card they kept the funds I owe them nothing XXXX XXXX XXXX XXXX I never had this account fraud PER THE COMPLAINT THEY REPNDED SAYING THESE WERE DELETED BUT THEY ARENT Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN HONDA FINANCE CORP (CA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.