davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-27
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. (PA)

In accordance with the fair Credit Reporting Act XXXX Account # XXXX opened XX/XX/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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose update late payments for XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX to current or delete account immediately. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX WAS DISPUTED ON NUMBEROUS OF TIMES ON IN XXXX, XXXX, XXXX, OF XXXX. THE ACCOUNT IS OUTDATE WAS OPEN BACK IN XXXX. AND I WOULD LIKE IT TO BE REMOVED, THE CAR HAS BEEN SOLD AGAIN SINCE IT WAS REPO. PLEASE REMOVE.
Consumer complaint received 2024-04-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP (IA)

On XX/XX/2024 at XXXXXXXX XXXX, I went to deposit cash into a US Bank ATM, heard the ATM counting my cash that I had deposited, it told me to take my card out and came out with a receipt saying A machine error has occurred and we are unable to credit your account or return some of the items you attempted to deposit. Contact your financial institution at the hover on the back of your card. I went into the US Bank that this ATM is located at ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX ) and they told me theres nothing they could do as I dont have an account set up with them, even though Ive be able to deposit cash within the last 4 years there. They then told me to contact my bank, so I called my bank and they told me I had to call XXXX which is who my card is through, to file a financial dispute. I then got a call later in the day from XXXX telling me US Bank has the authority to look at the cameras and amount I put in at the time on my receipt, so they shouldve done more than just send me out their door. XXXX then asked how much the ATM stole from me ( {$420.00} ) then they said theyll get their dispute team together with my bank then send me an email later on to confirm the amount and send the email back to them after Ive confirmed, in hopes itll all work out.
Consumer complaint received 2023-08-09
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. (AR)

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 has violated my rights 15 U.S.C 1681 section 602A states I have the right to privacy. 15 U.S.C 1681 section 604A section 2. It also states a consumer reporting agency can not furnish account without my written instructions. 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 several 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 2022-12-20
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. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is one of my multiple attempts to notify 3 credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 

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 2023-11-06
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. (VA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 2023-12-29
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (IN)

I opened PayPal credit and have made regular and on-time payments due by the XXXX of each month. In XX/XX/2023 I paid on XX/XX/XXXX and took time-dated screenshots as the PayPal system would not let me select the current date of the XXXX as the date of payment. The current date/due date was blocked out and I had to select a future date, thus risking the late fee. Though I have confirmation that I paid on the XXXX, PayPal scheduled my payment for XX/XX/XXXX and charged a late fee of {$41.00}. In a XXXX chat I asked for a refund of the late fee and was denied. The PayPal rep confirmed by chat that payments should post as paid on the date of submission of payment and that payments on the due date are accepted as current payments with no penalty. Yet I was denied a refund of the {$41.00} late fee. This is a violation of the PayPal policy. I have screenshots of this conversation. I can not afford to pay this late fee and will need it reversed. 

Note that my account ends in XXXX and is associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, payment confirmation number XXXX
Consumer complaint received 2018-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I have been denied credit and pre-qualification due to a fraud alert on my credit profile that does not contain any contact information. My phone number XXXX should have been added so that creditors can contact me to verify my identity and application. Every time i try to submit a request to XXXX, Transunion or XXXX online, I can not seem to be successful as each one causes an error.
Consumer complaint received 2023-08-09
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. (CA)

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Please delete these accounts ASAP.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to bring to your attention a pressing matter regarding fraudulent personal information associated with my identity on my credit report. It has come to my knowledge that certain accounts and transactions have been falsely attributed to me, causing significant distress and concern.
Consumer complaint received 2018-06-07
Product: Credit card or prepaid 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 (TX)

I have had aXXXX XXXX XXXX card from Capital One for several years. Yesterday, I was unable to use it. I called them this morning and was told there had been a questionable charge so they put a hold on my account. They had written me about that questionable charge and I responded that it was all right. They made no attempt to let me know they were still keeping a hold on my account. When I spoke to a representative this morning, she said I had to send a copy of my social security card. ( I am XXXX years old ; I lost my social security card 50 years ago, as did most people. ) I asked for an alternative ; she said there was none. I have to send them a copy of my social security number. I asked to speak to a supervisor. She put me on hold and after about 10 minutes, I was cut off. I called again and got another representative who was no more helpful than the first and offered me no alternative to sending my social security card. 

This account gives points, and I have XXXX points. I don't want to lose them. Neither representative would answer my question about the points. They say my account will remain on hold until I send them my social security card. I live in XXXX Getting a duplicate send to me and then sent to Capital One would take a couple of months. 

I am stuck. There is nothing I can do. I have to pay them what I owe them now and I don't know what will happen to my points. And I can't use the card. Please help
Consumer complaint received 2023-09-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (FL)

Debt Buyer : NCB MANAGEMENT SERVICE Balance : {$8300.00} Date Opened : XX/XX/2018 Account type : Debt Buyer I do not have a contract with NCB MANAGEMENT SERVICE, They did not provide me with the original contact as requested.
Consumer complaint received 2023-11-06
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: CDS Debt Relief, LLC (TX)

Someone has been using my information for personal use and I need to find out why the are pulling my personal information. The is been going on for the last 5 days in a row and they need to stop. And put my points back where they belong. XX/XX/XXXX to XX/XX/XXXX is what I see on my credit report
Consumer complaint received 2023-11-06
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. (NJ)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2023-08-08
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (CA)

I used to be a QVC and HSN customer and trusted them on their easy pay plan that is advertised on their website and on tv by every hostess as to having 0 % interest. I didn't realize until today that I was being an outrageous 32 % interest. I called QVC customer service and they transferred me to synchrony bank. When I spoke to XXXX XXXX they said it wasn't them charging the interests, it was QVC, and he transferred me back to the QVC customer service. They, QVC XXXX, said again it wasn't them, that it was XXXX XXXX Regardless of who it is, it is the consumer that is being ripped off. The way it is advertised is not only misleading but fraudulent, they do lead you to believe that if you pay it off within five payments it will be an interest free purchase, but that is completely untrue.
Consumer complaint received 2024-04-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TX)

Hello I am a current member of Chime banking I had a problem with money being taken out of my account that I myself did not use this money was saved up for something personal for myself the money that was taken out was almost XXXX dollars being taken out each day for a site that I had no use of neither any knowledge about. I gave Chime bank a phone call to dispute this unauthorized transaction.. I was informed a day later which isnt supposed to happen that no evidence was found and the transaction wasnt fraud. It took them only ONE day to resolve this when in reality it should be up to 90 days or at least be able to be processed and resolved giving me more details on whats going on with my money.. I made 2 dispute cases asking about the same issue I had with my money and still being denied by them for almost XXXX which should be insured by Chime Banking. I recently got off the phone with them mentioning this again where I had to tell them open up the case again and help me since I did not make these purchases I was even misgendered during this process which felt like an insult.. I asked to speak with a supervisor and he wasnt able to help out neither I kept getting told the same thing repeatedly saying a case is being open and further investigated which is not true since this been happening since the beginning of XXXX its almost XXXX and I still didnt get a response back my money should be insured by them or better yet a credit for a better understanding of knowing my dispute is being taken serious. I will no longer use chime if my money is not transferred back into my account and will take serious action please be mindful of where you bank.
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

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

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

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

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

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

COLLECTION AGENCY : XXXX XXXX XXXX   ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX   ACCOUNT NUMBER : XXXX
Consumer complaint received 2024-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CT)

I closed on a home and was given XXXX checks : XXXX bank checks ( certified bank checks ) and XXXX check from a law firm trust account. I deposited the checks into my Chase account ending in XXXX. The bank has not released the funds, stating that they can not confirm the funds. These are bank checks and a law firm check, all of which I have confirmed. Chase got the funds on the XXXX. I went into the branch and was told their is nothing they can do and they can hold until they verify the checks, I explained and gave them the contacts at the XXXX banks and they stated they would follow up with the main Chase group. I have called the XXXX number waited hrs, they just hand up and I gave them the bank contacts at all three banks. This is over XXXX and I do not know what to do? 

thanks
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (OH)

I am a victim of identity theft. In XXXX my identity was stolen. My identity was stolen and used to collect unemployment that I never filed for. A police report was Made at XXXXXXXX XXXX XXXX XXXXXXXX. My information is still out there and someone tried using my ID on XXXX XXXX which resulted in a hard inquiry. upon further investigation I noticed third party collections on my report which is not accurate as well. No representative from any third party that is reporting information that is inaccurate and have not contacted me directly to confirm the assumed alleged debt. I have never done any transaction with any third party listed in my credit report. No signatures or acknowledgment has been made by me. I did not consent to owing any third party who assumed a debt by purchasing it from the original creditor whom they did business with. I am aware that the original creditor was paid through my unlimited credit and or trust set up in my name which now I own through the process of correcting my status. My agenda is to have all false reporting in my name to cease. On all credit Breau reporting agencies.