davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-17
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. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 2018-03-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I have a debt collector on my credit report representing Capital One. I have not ever seen this account and have been disputing this charge for over 5 years. When I did call to find out what the issue is I was transferred many times and then told I would have to wait for something to be mailed to resolve this issue.
Consumer complaint received 2023-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I have been a member of USAA for over 40 years and they have always put a hold on my checks for a couple of days regardless of value before the funds are available. My son, who has never made a deposit before was scammed with XXXX fraudulent checks deposited totaling {$9900.00} and USAA makes these funds available immediately. He then withdrawals over {$4000.00} from the deposit and gives it to the scammer. Now he is responsible for the lost funds. Additionally, USAA locked XXXX 's and my wife  's checking accounts since they were linked. 

My complaint is that USAA should have held the funds for a few days before the funds became available.
Consumer complaint received 2017-11-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: STERLING JEWELERS, INC. (IL)

I made a purchase and opened a new account with Kay Jewelers on XXXX. I received my first statement due in XXXX that reported to my credit as over the limit because I was not told my total credit limit but XXXX added additional insurance to my card since the company allowed those things to be added to the tune of {$1800.00} additional added to my card. I am in process of closing on my home and was told by me loan servicer that I needed to make a payment of at least {$2800.00} to bring the balance down prior to closing. I went to the store to make the payment on XXXX/XXXX/XXXX at XXXX and was told by XXXX XXXX the CASH PAYMENT of {$3700.00} would post immediately to my account. It is now XXXX/XXXX/XXXX and my payment has not posted to my account. I am getting the run around between XXXX credit and Kay jewelers being to that my payment was posted to and old account number and their accounts number have changed. ( How did I get an old account number for a new account?? ) It could take up to 5 business days for a CASH Payment to post. XXXX XXXX was provided the receipt for payment made and can see that the payment is posted to a so called OLD account number and has yet to process my payment. I have made multiple calls and there is still no assistance with this issue. THIS IS ABOUT TO CAUSE ME TO LOSE THE CONTRACT ON MY NEW HOME BECAUSE THESE PEOPLE ARE NEGLEGENT IN PROCESSING PAYMENTS!!!!
Consumer complaint received 2024-03-02
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: Experian Information Solutions Inc. (AL)

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : XXXX  XXXX ( BANK ), Inquiry Date : XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give you ( Experian ) permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b { c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights.
Consumer complaint received 2023-02-20
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: PINNACLE FINANCIAL PARTNERS, INC. (CA)

-I redeem silver certificates, federal reserve notes, state notes, etc at the treasury per : 31 U.S. CODE s.s. 5118 ( gold clause ) -S 9-307 LOCATION OF DEBTOR. 
( h ) UNITED STATES is located in DISTRICT OF COLUMBIA. 
-As one of the nation 's Creditor 's, I choose to bank privately, using LAWFUL MONEY ... federal reserve notes are LEGAL TENDER, and never fully offsets a debt. I use my LAWFUL MONEY to discharge obligations by CHECK, DRAFT, ITEM, BILL OF EXCHANGE, and PINNACLE FINANCIAL PARTNERS LOCATED AT XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. MY ITEM ARRIVED CERTIFIED MAIL, I CALLED TO CONFIRM PINNACLE FINANCIAL PARTNERS RECEIVED THE ITEM, AND A XXXX XXXX XXXX INFORMED ME THAT HE RECEIVED THE ITEM, AND HE WOULD HONOR, SIGN, AND SEND MY INSTRUMENT TO THE TREASURY TO BE CREDITED TO THE CUSTOMERS ( MYSELF WITH XXXX XXXX XXXXXXXX ) ACCOUNT. ALMOST TWO  WEEKS GO BY AND I SPEND THE NEXT WEEK TRYING TO FIND OUT WHAT HAPPENED. I REACHED A XXXX XXXX WHO HELPED ME LOCATE THE ITEM A FEW DAYS LATER. THEN THEY IGNORED MY CALLS, AND I REACHED OUT VIA EMAIL, AND THEY INFORMED ME THAT THEY WOULD NOT SIGN AND SEND THE INSTRUMENT. DISHONOR IS UNDERSTANDABLE, HOWEVER ARTICLE 3, SECTION 503 OF THE UCC STATES THAT THE FINANCIAL INSTITUTION MUST GIVE NOTICE OF DISHONOR NO LATER THEN MIDNIGHT THE NEXT BANKING DAY. I'M VERY CONCERNED WITH THE AMOUNT OF INSTITUTIONS THAT FAIL UNDERSTANDING OR READING THEIR OWN BANKS TERMS AND CONDITIONS AND POLICY. I SIMPLY FOLLOW THE RULES AS HONORABLY AS I CAN. I SIMPLY WANT THIS FINANCIAL INSTITUTION TO DO WHAT IS WRITTEN IN THEIR POLICY.
Consumer complaint received 2023-03-16
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-01-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I reached out these companies thur via the credit Bureau and I haven't heard any response, feel I've been ignored and degraded im a women of proud and I demand this incorrect, inaccurate, and unverifiable Information ( inquiries ) be deleted from my report. 60 Days later no response is insane why take of someone who is trying so hard as a single mother.
Consumer complaint received 2023-03-16
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. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. 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 XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-18
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. (GA)

I want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX : {$5000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$6200.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$490.00} ; XXXX XXXX XXXX XXXX XXXX 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 2024-03-02
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. (CA)

I have an account on my credit report from XXXX XXXX XXXX that is not my account I have never applied for it and believe this account is identity theft or some type of fraud. I have been in touch with XXXX XXXX on numerous occasions to have this account updated and removed from MY credit report I have already submitted FTC report and police report to them and they refuse to remove this account from my credit report they are violating my rights and I am now forced to have to take legal action against them. The account is listed below. 
XXXX XXXX # XXXX
Consumer complaint received 2018-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

Asking two credit bureaus to check the accuracy of a report chapter XXXX bankruptcy on my credit file. Inaccurate information is being reported. My father and I have the same name. Please verify the account and the accuracy of the information being reported at the local clerks office. Third parties are verifying the information via online and it is not correct
Consumer complaint received 2023-06-14
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. (GA)

I, XXXX XXXX XXXX, have sent multiple letters to the credit reporting agencies Experian and XXXX for the past year due to fraud repair and they fail to verify, correct, or remove these accounts. 

According to the law, which is protected by congress, 15 U.S.C. 1681i, which is a part of the Fair Credit Reporting Act ( FCRA ) states : ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Also according to paragraph ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

This has been very frustrating over the past few years and I demand that they are immediately deleted from my report : XXXX XXXX XXXX and any others I have disputed in the past due to fraud. 

Thank you for your prompt attention in this matter.
Consumer complaint received 2018-10-05
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. (CA)

On XX/XX/2018, there's a hard inquiry on my credit report by a company named, EQUIFAX XXXX. I did not authorize this company to run my credit. Their telephone number is XXXX. 

Thank you. 
XXXX XXXX
Consumer complaint received 2018-10-05
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JTM Capital Management, LLC (AL)

On XX/XX/XXXX at XXXX XXXX a voicemail message was received from a man named XXXX  stating he was a private courier commissioned in the State of Alabama was calling to notify us of sealed legal documents he needed to deliver to us. He said the documents required my husbands signature in order for him to release them he said " so I'm headed to your address in XXXX County shortly and when he arrived my husband needed to be available with a state issued ID in order to sign for the documents he said if we were not there he would then go to my husbands place of employment. He said if we had any questions or if we would prefer to schedule a time and a place that my husband could be to meet him to contact the filing party at ( XXXX ) XXXX-XXXX and mention case # XXXX.

I called the number back and a man named XXXX answered the phone. The company name he gave was XXXX XXXX. He said this was concerning a loan my husband made online and they were now suing us. I asked him to provide me with the circuit court case number in my county, as well as the attorney representing XXXX XXXX ( the lender ) and he said he didn't have it. That he will get my information to his " client '' and I will be hearing from them. He mentioned the client name was JTM Capital Management on behalf of XXXX XXXX. I hung up the phone with him and began doing research. There is not a lawsuit filed under XXXX XXXX, JTM Capital Management, or XXXX XXXX against myself or my husband. The county requires process servers to have license numbers which " XXXX '' nor " XXXX  '' provided in any communications, and the company XXXX   XXXX  is located in New York, and is a collection agency which states this is an attempt to collect a debt on their website.

I called " XXXX '' back on the number " XXXX '' left on the voicemail and he yet again had no answers for me. Nor would he provide me any contact information to his " clients '' he was fairly rude when I informed him of what I had found out about the company he works for and started raising his voice which made me feel uncomfortable so I ended the phone call by hanging up.

This company is attempting to inflict fear upon consumers at any length in order for them to make their commission for the month in their call center. The background noise of both the voicemail from " XXXX  '' and " XXXX  '' were very similar of other men leaving the same messages for other people. It really was not difficult to discover what this company was attempting to do, as well as discover that their collection practices are illegal.

The address to XXXX XXXX is XXXX XXXX XXXX, NY. XXXX.

It is very frightening to have strangers with no legal ground threatening to come to my home. I have the voice mail " XXXX  '' left saved on my phone and will be more than happy to play it, as he is stating he is commissioned in the state of Alabama which would require him to provide me with information proving that as true
Consumer complaint received 2023-02-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (MI)

I took out a store credit card with Wells Fargo back in XXXX and they were charging me more interest than agreed upon. I attempted to call several times to Wells Fargo with no real answer or resolution. I will not bank or use loans with WF again. Everyone needs to pay attention to the fine print on their applications and what is really happening with their accounts. Thank you.
Consumer complaint received 2023-03-16
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. (WA)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

XX/XX/2020 Credit Card dispute faxed to Union Bank Dispute Operations in the amount of {$250.00}. Investigation Completed determined claim valid letter from Union Bank stating {$250.00} was credited to my account on XX/XX/2020. No funds received to date. Contacted bank XX/XX/2020 agent stated would make ticket. Contacted bank again XX/XX/2020 no notes or entries about my claim credit. Told to contact dispute operations again. Received billing statement XX/XX/2020 balance states {$250.00} with min payment of {$40.00} due by XX/XX/2020 and no statement of payment of amount of dispute is not required. Submitted written letter about continuing error on statement XX/XX/2020
Consumer complaint received 2023-01-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc (NY)

I filed XXXX disputes in the resolution center. Both charges were made with a card with the XXXX logo but I never got from these XXXX and another pending the provisional credit that is supposed to be issued for these charges : XXXX XXXX XXXX This is another one that says it is refunded but was NOT XXXX
Consumer complaint received 2023-06-21
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. (MA)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-21
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. (NC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-06-21
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. (PA)

This is my 5th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NC)

I recently opened Bread cashback credit card offered by Comenity bank. 

They financial institution charged me interest fee even though Auto Pay is ON.

The payment was not made due to the delay on the financial institution end.

When the required payment was not made on the scheduled due date as per auto pay in the month of XX/XX/2024, I called customer service to confirm if I need to make the payment. And, the executive confirmed it to me that NO, considering there are enough merchant credits ( refunds ), I am not required to make a payment.

When I complained about the same, the financial institution not agreeing to reversing the interest charges even though it is not consumer 's fault.