davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-15
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

Under California Law a debt collection is 4 years but some how this debt shows that someone other than me is making or have made payments keeping the debt from statute of limitation by providing false and misleading entry into report of payment. I have disputed this debt and still no response from company on this account. I have sued this Company before for violating the FDCPA, this account should have been removed from credit report by now. But not only did the Insurance pay this debt after the default of the loan, they are still reporting the debt to the credit bureau as a accurate fact. I deny their claims.
Consumer complaint received 2019-12-09
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: Experian Information Solutions Inc. (SC)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2019-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (MS)

Unfair business practices ; I received a letter on XX/XX/ 2019 from Discover Card Services dated XX/XX/, 2019 regarding a credit limit increase on the account. I have had the account going on 2 years and I have even paid the account off completely couple of times. Anyway, I had enquired about a credit limit increase cause it had been over 8 months since the last credit limit increase ( {$1600.00} ), and the account as I mentioned above has been opened going on two years with a perfect paying record, and is current as the present time. THe letter states that I was not eligible for a credit limit increase cause of ; " insufficient Experience with Current Discover Card Credit limit ''? I try to speak to a representative about it and all I got was ; " sorry we can't approve a credit limit increase at this time '', even though I have paid on this account on time every month, never missed a payment. The representative told me that on XX/XX/ 2019 that my credit score was " XXXX '' with XXXX, but that is not true, my credit score as of XX/XX/ 2019 was XXXX with XXXX and XXXX with XXXX ( see screenshot attachment of credit score ), both is good credit, and as of today 's date, the score is still the same. So what the rep told me was a lie. I believe I am being treated unfair regarding " not having credit extended to me for no good cause '', and I contend that after I told the rep that being rude is unacceptable cause " I am a paying customer '', and since my account has been open going on two years, perfect paying record, the credit limit increase should be applied without me having to ask for it. I am a good ; paying customer and I should be treated like it. My complaint regarding unfair business practices ( denying credit limit increase without good cause ), should be investigated. I can understand not extending credit limit increase if the account is not current, but the account is current and over a year old, so with holding a credit limit increase because of the reason ( s ) listed in the letter is not accurate and unfair business practice and biased towards me.
Consumer complaint received 2020-01-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Hello, I had a checking account with Bank of America. On XX/XX/2018, I received a text message on my cell phone that there were some transactions in my checking account that were suspicious, So I contacted Bank of America Customer Service immediately and reported to them that all these charges were fraudulent I did not make those charges nor did I authorize them as I noticed these fraudulent charges in my Checking account when I logged on to my account. I always keep my debit card in my wallet with me, so there is no chance of anyone getting their hands on it without me knowing. When I reported these charges to BofA, the woman who I talked to didnt give me very clear information about what was going to happen, except she told me that she set up a claim for the charges. Therefore, I went to BofA in person to talk about where to go from there. I talked to a man named XXXX XXXX in a XXXX branch, who gave me some more information. I set up another claim on another fraudulent charge made to my account, and he told me that I would get temporary credit in about ten business days. After I waited about ten business days, I still got no temporary credit. Please look at the letter I wrote to BofA that is attached for details. I also went to a XXXX branch and spoke with XXXX XXXX multiple times who assured me that I would get credit for all the fraudulent charges which amounted initially to {$700.00} and to which were added more fraudulent charges even after the 2 claims were filed and finally they closed the account when the total fraudulent charges were over {$1100.00}. Then I also filed a police report with officer XXXX XXXX ( # XXXX ) at the local XXXX Police Department providing them with all details, a copy of which is also attached with the letter to BofA. 

I was not aware of the Consumer Financial Protection Bureau until recently when a friends father mentioned about it. So I am writing this letter requesting you to help resolve this issue. I am a student and it was my hard-earned money. I never expected such fraudulent activities could happen with Bank of America and that being such a big company they would not take any responsibility or accountability in this matter and not give my money back. 

I would greatly appreciate if you could help me get my money back from Bank of America. 

Thank you so very much. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-02-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (FL)

XXXX XXXX / XXXX / {$700.00} / ( Original Creditor : )/ XXXX / {$150.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2023-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (SC)

I had a prepaid card with Navy Federal. I placed about {$11000.00} or more on the card. I also had employment insurance just in case of job loss. 

Unfortunately, I did experience a job lost. I called and called Navy Federal in enact my employment insurance. I had paid on that insurance for months. 

They gave me for run around from one department to another. In the end, NO ONE helped me.

Even after they kept sending me late notices. I still called them to no respond to resolve the issue.

Now they are reporting FALSE information on my credit report.
Consumer complaint received 2019-12-09
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A. (NC)

XXXX XX/XX/XXXX I first opened a business account with PNC in XXXX. My business is a typical retail brick and mortar store. In XXXX, I also moved my merchant account to PNC. In XXXX of XXXX, I received notice that PNC would close my business checking account due to high-risk activity. As a small part of the business, I had been doing a small amount of money transfer services since XXXX. Never was I told that this was not allowed or that it would cause any problem with my business account. But rather than giving me a chance to remedy the problem, PNC unilaterally closed my account. As of XXXX of XXXX, I stopped offering money transfer services at my business. At that time, I was concerned about the merchant account, which is a separate account with PNC that allows us to accept credit cards as payment, so I called specifically to ask about this. I asked if this would affect my merchant account. I was told that it would not, and that I could keep the merchant account. I would only have to change the bank that accepts the deposits. So I did just that. Six months later, PNC closed my merchant account, WITHOUT NOTICE OR WARNING! This cost me several thousand dollars in potential sales, plus about {$800.00} to set up a new service with short notice. Furthermore, they refused to process {$230.00} worth of sales with had gone through before I was cut off. 

When I inquired as to why the account was closed, I was told that PNC requested that it be closed ( apparently because they had closed the other account six months earlier ). No real reason was given, and I had never used the merchant account for activities related to money transfer services, nor had I ever had a charge back or other violation of the terms of the contract. 

The contract I signed is three year agreement. After checking it, I found nothing that allows PNC to close my account just because PNC had closed an unrelated account several months prior. 

In my view this is breach of contract. Their blatant disregard for customers nearly put me out of business after eight years of hard work and sacrifice. Words can not express how deeply offended I am and their underhanded and unethical business practices. They do no deserve to be in business at all. If I treated my customers like that, I would not have any customers. 

I believe PNC should compensate me for their indiscretion, as well as compensate me for lost sales, the charges that were not processed, and the cost of setting up a new services. I seek {$15000.00} in damages. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

I have a PayPal account with my debit card attached.. Five unauthorized payments of XXXXXXXX XXXX ( XXXX XXXX ) were sent to a XXXX XXXX with a messageYou deserve it, brothe on XX/XX/2023. I dont know this person .. it says he has a XXXX  account and is in California. I never sent any money or authorized any money to go to this person. I filed a case with PayPal tonight and received notification that the charges were authorized and my case was closed .. this is absurd I dont know this person and never authorized payments or sent money to this person. In addition an unknown card was added to my account ending in XXXX I will never use PayPal again.
Consumer complaint received 2022-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 an account without my written instructions In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights by reporting a billing error XXXX XXXX XXXX 15 USC 1666 ( b ) ( 2 ) 15 USC 1605
Consumer complaint received 2023-07-21
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (OR)

Received an email saying there was a login attempt from my Chime account from XXXX XXXX. Problem is, I have no recollection of ever opening a chime account. Later received an email with a direct deposit form. I immediately called Chime and asked them about this account, but they wanted too many personal details for an account I did not open. I told them this account was opened fraudulently. Since I would not provide detailed info, they told me to email XXXX to continue the request. They then asked me for ID and social security and to upload to a non existent link. Again, I'm not going to provide information to a company I did not reach out to to open this account. Received another email telling me to contact them through the email associated with my account. I did, but I also don't have a Chime account.
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

Specifically with only Equifax, my birthdate is displayed as XX/XX/XXXX, when my birthday is in fact XX/XX/XXXX. 

I have used every single possible browser on XXXX and XXXX to try to file a dispute, and the web application defaults to not allowing me to file a dispute online, a complete negligence of web development and XXXX. 

I have also mailed in a physical dispute by mail on XX/XX/XXXX and so far I have received no response.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AZ)

My report 's list of inquiries and informations were inaccurate. I sent it to each credit bureau, asking to investigate it and review my files. However, that information continues to be reported and has a negative effect on my credit. As a result, the credit bureau did nothing to get rid of the incorrect information and inquiry listed below. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Updated : ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Updated XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-29
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. (OH)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2019-12-09
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

PORTFOLIO RECOVERY representing XXXX XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debt for the past 10 months. When I requested by law that they send me identifying documents to show that I owe this debt such as ID, Social Security Number, and contract bearing my signature, they have not done so ... No legal documentation at all! Their claim is Hearsay according to law so I don't understand how they get away with putting this on my credit ... No proof. In the midst of this, they are ruining my quality of life because they have put this item on my credit in the amount of {$4700.00}.
Consumer complaint received 2023-07-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Per the information on USAA 's app and URL, they recommend investing with XXXX XXXX. 
i opened a XXXX IRA XXXX XX/XX/XXXX for {$7000.00} i transferred {$110.00} XXXX XX/XX/XXXX XXXX XXXX closed the access to my account XXXX XX/XX/XXXX and then permanently closed the account by XX/XX/XXXX and kept my money. 
I've made constant attempts to speak with someone from XXXX XXXX to no avail. 

I filed with the SEC XX/XX/XXXX ( SEC Response - File XXXX : XXXX : XXXX ) and XX/XX/XXXX the SEC called and stated that XXXX XXXX said to come get the money / file a dispute with your financial institution ( USAA ) and they will pull back the money you sent. 

I called USAA XXXX XX/XX/XXXX to file a dispute. 
XXXX XXXX i received a response denying the request. 

I called USAA again XXXX XXXX to find out how to get this accomplished as i have not received the services for which my money was sent/spent. The agent said to file another dispute, which they did. 
XXXX XXXX i received another denial, and this time, the entry the agent put in was for the incorrect amount, so i've now confirmed that this 'denial ' is an automated response, no one is actually doing any work nor retrieving the funds. 

The SEC says i am to provide the document number of my claim with them to the financial institution so they can verify the response from XXXX XXXX. I did that and have provided it again above.
Consumer complaint received 2024-02-21
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. ()

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 is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Capital One, XXXX, XXXX, XXXX XXXX XXXX XXXX accounts showing on my credit report were all placed in bankruptcy XXXXchapter 0n XX/XX/2018 and I was authorized user not. They should not be show on my credit report as still open and delinquent. Are Affecting my credit Score
Consumer complaint received 2020-01-15
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. (SC)

I am a VICTIMof off base/strange/invalid/obsolete as well as conceivably even false deception within your Transunion credit report. This condemning of themis-announcing/mis-informationaffidavit is to declare my direction that you, asregulated, produce physically countersferfederal laws of my debates or acknowledge and encourage my solicitation that you either erase/or obstruct at any rate the accompanying unsubstantiated/yet-avowed/obsolete/distorted/consolidated/unrecognized/and additionally fake data from my credit record. I request to be persuaded ( as ordered ) that you can sufficiently confirm in imperative correctly how the falsehood come to occur if even by any stretch of the imagination, with my insight AND approval recorded as a hard copy of any individual/people/or substances that may be certainly mindful or even that I genuinely got any cash, products, or administrations because of the contested deception ofINACCURATE MISINFORMATION/UNVERIFIABLE and INVALID INFORMATION/POSSIBLY FRAUDULENT data or potentially even conceivable of Identity Theft thus myutilzationof this controlled Identity Victim 's Complaint and Affidavit
Consumer complaint received 2019-12-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credence Resource Management, LLC (CA)

Credence Resource Management representing XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debt for the past 3 months. When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit in the amount of {$810.00}.