davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-25
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. (IL)

On my credit report it show it is a charge off, and I called the original creditors and they said the debt was sold to another company. I was telling them to please remove the account off my report
Consumer complaint received 2023-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

XX/XX/2023 I use the branch ATM machine to withdraw {$560.00} from my checking account. The ATM did not dispense any money to me. The ATM screen stated there was no cash in the machine to dispense. When I looked online my checking account showed {$560.00} being deducted from my funds. I received an email from Wells Fargo stating there was an error from the ATM transaction ... no money was dispensed call this number... I called the number and a case number was issued. I was told after two business days a temporary deposit of {$560.00} would be done. XX/XX/2023 the next day my husband and I went to the local branch where the ATM we used to see if the money could be deposited back into the checking account. The lady we spoke to called another number and another case number was issued and to allow two business days for funds to be temporarily deposited back into our account. It's now been 4 business days, no funds deposited, I call again. I'm told one case number has been closed can't tell me why but now I have to wait an additional XXXX XXXX XXXX
Consumer complaint received 2024-02-10
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

My parents account was victim of identity theft on XX/XX/XXXX and my mother that paid my credit card on time didn't know till next day when she got an email from XXXX  XXXX saying she made fraudulent Mobile Deposits when she didn't. She immediately took action and XXXX XXXX XXXX  froze the account for her protection and safety. The same time all payments was not going through that account and she advice to contact any company that she wrote cheques or made payments because the reason on th and she called me and told. I called Capital One and advice that problem and i was told on a recording call that would not be a problem I have to wait till the payment is back and they could see. I call again and made another payment with a different account and payment went through and i did all that customer service told me to do and when I called on XXXX XX/XX/XXXX I was told they would be able to reverse the {$29.00} late fee even though I was promised the fee would be waved. I offered to send documentations and a letter from XXXX XXXX TO PROOF THAT IT WAS THE REASON. I paid on time but what happened with the account made that payment go back to Capital One for the reason of the account was froze. XXXX XXXX
Consumer complaint received 2023-02-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 4 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2023-07-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (TX)

Barclaycard with XXXX XXXX expects their card holders to send them a wire transfer through XXXX XXXX to pay their bill. Or give them their banking account information. I was always taught that wire transfers are extremely unsafe. Secondly, why am I being denied the option to use my debit/credit card to pay my bill since it has many fraud protections attached to that form of payment. How can it be legal for XXXX XXXX to only allow XXXX methods of payment that may result in identity theft or fraud?
Consumer complaint received 2024-02-10
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (SC)

I had a debt collection placed on my credit report on XX/XX/XXXX. I was not notified ( via letter or call ) that I owed anyone anything or how I could dispute this. I just received a mailed Letter from National Credit Systems , Inc. That is dated XX/XX/XXXX. This practice has caused me to have to suffer ( XXXX ) months of negatively impacted credit without giving me any recourse to dispute, reach out, or even verify this debt is legitimate.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX  XXXX Balance : {$910.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$580.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> ''
Consumer complaint received 2023-02-08
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. (MD)

THIS CREDIT BUREAU IS REPORTING THE WRONG NAME AND ADDRESS ON MY CREDIT REPORT. I ONLY HAVE XXXX NAME WHICH IS XXXX XXXX XXXX. MY ONLY ADDRESS WHICH IS XXXX XXXX XXXX, XXXX XXXX, MD XXXX. ANY OTHER NAME AND ADDRESS IS INCORRECT. I HAVE ATTACHED MY ID, SOCIAL SECURITY AND BILL WITH MY CORRECT NAME AND ADDRESS. I HAVE NEVER LIVED AT ANY OTHER ADDRESS OR GONE BY ANY OTHER NAME. ANY OTHER NAME AND ADDRESS IS INCORRECT AND NEEDS TO BE DELETED.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Bread Financial Holdings, Inc. (CA)

Received letter in mail congratulating me on a pre approved credit card and {$100.00} gift card. I called the number a the bottom to opt out ( XXXX ) and when I asked to opt out they refused and hung up on me three times. The second time they gave me a fake number to call and they received my first name and address thinking they needed it to opt out. 

I called additional numbers but can not reach anyone to help.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

According to the Fair Credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 6048 section 2. It also stated consumer reporting agency can not furnish an account without my instructions under 15 USC. 1666B A Creditor may not treat a payment on a credit card account under an open and consumer credit as late for any purpose. This is in regards to late payments on my credit.
Consumer complaint received 2023-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO Bank, N.A. (CA)

Hi, I opened my checking account with XXXX XXXX on XX/XX/2023, at that time I enrolled to the online banking at the branch, I never get the email confirming that the enrollment was succesfull. 
I tried to access using the credentials created but never allowed me to go in, I tried to reset the password several times without success. I sent emails to the representative who helped me opening the account but never replied, also I called customer service they said that my email is " wrong '' wich is XXXX XXXX from XXXX, XXXX from my last name, and XXXX XXXX XXXX ( my second last name ) Also I tried to enroll again and the bank replied that was not possible. 
I was requested to go the branch, something is impossible because I dont live in the XXXX XXXX right now im in XXXX XXXX
Consumer complaint received 2023-02-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BMO Bank, N.A. (NY)

This is an additional complaint as the response from Bank of the West from Complaint ID XXXX did not make sense as the complaint was not regarding reporting to credit bureaus. The complaint was issued pertaining to an unauthorized charge that I disputed within reasonable time and through a reasonable way, the online banking portal. 

Within Bank of the Wests response from the previous complaint Bank of the West never mentioned that they reviewed the conversations I had with their Online Banking department like I stated in my initial response. Bank of the West also did not review the unauthorized charge communication I sent through the online banking portal, which would have shown that I contacted Bank of the West about the unauthorized charge from XXXXXXXX XXXX XXXX within the appropriate time frame. Bank of the West did not adequately respond to the complaint since their response was very generic and did not provide any detail about what they actually reviewed. Rather they only focused on repeating what I had mentioned within the initial complaint. 

Initial complaint from Complaint ID XXXX : On XX/XX/22 my Bank of the West checking account XXXX was incorrectly charged by XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ) for {$53.00}. Before this, the checking account was not used until the unauthorized charge. I disputed the charge from XXXXXXXX XXXX XXXX through Bank of the West 's online banking system. However, when I tried to see the status update I was unable to access my online banking as they took my permissions away due to the unauthorized charge overdrafting the checking account. I called Bank of the West multiple times and they assured me that they put notes on my account regarding the situation. I was told to dispute the charge through the Collection Agency ( XXXX XXXX XXXX XXXX ) by someone named XXXX from the Online Banking department, which I did. XXXX also assured through a phone conversation that the charge would be taken care of since it was unauthorized and there was a mix up of disputing the charge through online banking. Today ( XX/XX/22 ) I received documents in the mail stating the XXXX XXXX XXXX spoke with Bank of the West regarding the situation, but Bank of the West decided to continue the collection. There is absolutely no way I can obtain proof from XXXX XXXX XXXX that the checking account from Bank of the West was indeed authorized to be charged. There is also no proof that has been sent to me from Bank of the West or The XXXX XXXX XXXX that either of the companies did any type of investigation into this matter. I went through the proper channels to dispute the charge and Bank of the West decided to ignore the dispute and escalate the charge off that included the unauthorized charge and two overdraft fees to collections.
Consumer complaint received 2022-06-03
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: EQUIFAX, INC. (MI)

XXXX XXXX XXXX XXXX XXXX$1700.00} XX/XX/2021 accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-02-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2023 I received notification through experian credit services that a collection was reported for XXXX dollars for tn chipd support. I have a cirrent income withholding order through my place of work and money is bwikg taking out per pay period for child support. I was not notified by Tennessee dhs xhild support that a past due amount was being considered to be filed on my credit report as not paid or up for collections. The IRS has already taken the amount which i was just notified but they still placed the account for collections wothout ever sending any notification of any kind giving me a chance to fix this issue before reporting negatively to the credit bureaus. I was not notified by law by TN stautes and it is unlawful. I want it removed asap!
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

I sent a letter XX/XX/2021 requesting Experian to send in writing how did they go about verifying with which company they use to verify this bankruptcy. They only sent a notice saying accurate but did not go into detail of the information on what I requested. I have sent a letter from the courts stating they do not verify bankruptcy info with any credit bureaus. They still have this listed on my report
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have five accounts on my report claiming late payments and I am unaware of where these late payments have come from. Per The Equal Opportunity Opportunity Act, states prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, because an applicant receives income from a public assistance program, or because an applicant has in good faith exercised any right under the Consumer Credit Protection Act. ''
Consumer complaint received 2017-05-29
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. (TX)

I was a victim of identify the ft in 2010, and shortly after I went through an exacting amount of time attempting to correct and fix this  mess. Experian, more so then the others, was absolutely unhelpful and dragged their feet. After reaching out to private counsel,  XXXX  separate police departments, and the FTC I finally had them rectify the issues. Now fast forward, a illegally opened and FRAUDULENT account has reinserted itself ONLY on my EXPERIAN report.  XXXX  is being reported  XXXX  times and with a balance of  XXXX
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

There's an account on my credit report that has been removed and a couple of months later it pops back up making me go through the entire dispute process all over again. When it does show up again you can see that whatever discrepancy I would point out on a previous dispute would be corrected, but have another piece of information wrong or different across all 3 agencies. It's obvious because technology now allows me to capture the screen shot and see how it's changing as if. I'm not noticing it. How many chances does one get to correct the record? Eventually with enough chances they'll be able to get it all right. In my opinion there's been enough of what I think in my own opinion violations done to me to where I don't have to argue about the validity of the account in question. Currently XXXX has been the only one out of the three that has got it right for the second or third time, sorry im starting to lose track. It's insane what I have been forced to go through. Dispute after dispute. I've even sent the disputes certified pointing out all the discrepancy in regards to the the amount of the account. It always changes. I even have a recorded phone call with one of there employees who couldn't get the facts right. First the original balance was {$3800.00} then it was {$3800.00}. But then there was adjustment that brought the original amount to {$3000.00} to no wait the original amount is {$3800.00} and 20 % of it was already paid. 2 of the credit Bureau 's had the original amount at {$3800.00} and the other at {$3000.00}. Experian with the original amount of {$3800.00} with a high balance of {$0.00}. XXXX removed the account then reinserted it without notice. No heads up, no letter in the mail letting me know. XXXX did the same without notice. There's incomplete information showing the collection status for the last 3 months and no status information for all the months before hand. I asked for the credit Bureau 's for the findings of facts with proof of the investigation efforts and nothing but crickets. They have date of first delinquency of XX/XX/XXXX of 2018 yet I have a letter from the the original creditor stating the payment was due XXXX of 2018. They claim the debt is educational yet the information they furnished to XXXX reporting agency  has absolutely nothing in the trucking school section of the report. I'm sure there's stuff I'm forgetting. I just want this account to be gone, deleted, and done and over with. I have proof of all this. I'll try to attach as much proof as i can but please if theres anything you dont understand or need explanations of anything, then for love of XXXX contact me by any means possible.
Consumer complaint received 2023-02-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (GA)

Received monthly XXXX XXXX bill on XX/XX/XXXX for {$42.00}. Mailed payment on day received, XX/XX/XXXX. 
XXXX bill showed payment received on XXXX and stated due date was XX/XX/XXXX. I called around XX/XX/XXXX when I received monthly bill for a {$30.00} late fee. I told CSR that I had cut up the card and had mailed payment on the day it was received. I told them I couldn't understand why it took 13 days to process my payment. CSR said they would close the account and remove the {$30.00} late fee. 
Today, XX/XX/XXXX, I received a bill for {$60.00} for two consecutive late fees. I immediately called XXXX. XXXX and they said they could not do anything about it over the phone and it had to be reviewed by someone. I told the CSR that I was told in XXXX that the CSR said she was removing the {$30.00} late fee. I never carry a balance on this card and pay the balance every month. She said none of that matter and it was a system process that she had no control over.
Consumer complaint received 2023-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (TX)

XXXX XXXX XXXX website has been down for months, therefore you can not see your account ( i.e. transactions, applied payments, balances, etc. ) Forgot password method does not work and customer services response is always, We are experiencing trouble with the site. This has been the case for months. I asked for a mailed statement and there was one sheet of paper in envelope that was mailed, with no statement. I have no clue if something shady is going on with my account because I can not see it. Looking at reviews other customers are having same issue with payments not being applied. So far, I have been paying by phone which Im assuming it is being applied. Please help! This is ridiculous.
Consumer complaint received 2023-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (FL)

XX/XX/2023 ComenityCapitalXXXX, XXXX XXXX XXXX, XXXX, OH XXXX, obtained a copy of my XXXX Credit Report fraudulently as I did not request any credit with this bank. 
XX/XX/2023 a new bank credit card reported to XXXX Credit File by ComenityCapitalXXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2023 ComenityCapital/XXXXXXXX obtained a credit report from XXXX, fraudulently as I did not request any credit be established by this bank/or company. 
XX/XX/2023 XXXX XXXX XXXXXXXX Bank submitted an inquiry for credit report with XXXX, again fraudulently as I have not requested any credit with XXXX 
My credit report and information is now frozen on all three credit reporting agencies. I have filed a fraud/identity theft report with the FTC Federal Trade Commission on XX/XX/2023
Consumer complaint received 2023-05-26
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. (SC)

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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX : # 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 XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case