davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. 
I am a consumer, natural person, who exercised my right to grant and extend credit by using the open end consumer credit plan by way of the use for credit card of choice, being the social security card. On XX/XX/2021, I entered into a consumer credit transaction with XXXX XXXX XXXX along with the financial institution, Acura Financial Services for the purpose of obtaining the property purchased. None of the contracts provided to me had full disclosures including not disclosing that I have the right to rescind pursuant to 15 USC 1635. Therefore, I have practiced my right to rescind before the 3 day expiration after the date of consummation of the transaction and being sent to all parties involved via Certified Mail.
Consumer complaint received 2021-11-23
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. (TX)

My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.
Consumer complaint received 2021-10-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Revco Management, LLC (OR)

I sent a Debt Validation Letter to the General Service Bureau regarding an account. I asked for the Validation of the account so that I know they can legally collect in my state, have proper paperwork to collect, verify where the account came from, know I have my signature allowing a third party to collect on a debt, ect ( See attached letter for information ). In the response to my validation letter, GSB sent me an itemized statement of the bill thus not validating said debt. I was not asking for an itemized statement. I was asking for all information regarding the account and they did not give me any pertinent information regarding it. I am now filing this complaint.

Attached to this report will be the Validation letter I had sent GSB.
Consumer complaint received 2021-10-10
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. (GA)

After carefully reviewing my credit, I noticed an inquiry from your company. I did not apply for credit with your company nor gave the authorization to pull my credit. I have contacted Equifax they have provided no proof I initiated such inquiry nor written authorization, and have failed to provide any permissible purpose.
Consumer complaint received 2021-10-09
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)

went to court 3 times on XX/XX/2011 the govt filed a notice of voluntary dismissal no judgment was enter against me and case was dismissed and closed ( Docket NO. XXXX ) This was not my loan school had to fire a lot of staff taking out loans in students names made front pages of news papers at that time
Consumer complaint received 2021-10-09
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. (OH)

I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : -XXXX XXXX # XXXX -XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX -DEPT OF EDUCATION/XXXX XXXX XXXX date open XX/XX/XXXX ) -DEPT OF EDUCATION/XXXX XXXX ( date open XX/XX/XXXX ) -DEPT OF EDUCATIONXXXX XXXX ( date open XX/XX/XXXX ) -DEPT OF EDUCATIONXXXX XXXX ( date open XX/XX/XXXX )
Consumer complaint received 2021-10-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY (PA)

So I noticed my savings and checkings account got closed by TD bank on XX/XX/2021 and I went to the brand to see what I can do to get my funds and I was given a number to call where I had to leave my name account number for a call back and Ive called more than three times leaving a voicemail and never got a call back and I tried calling customer support line from them and they told me I had to go to the branch and theyre running me around.
Consumer complaint received 2021-03-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (VA)

I received a bill from RMP about a medical bill for a hospital visit on XX/XX/2020 that has been covered by The Dept. of Veterans Affairs ( XXXX ). The XXXX XXXX XXXX shows that my bill was covered with a {$0.00} balance. I paid the debt for second visit with RMP in full. Please see attachment. I believe that they are being unethical.
Consumer complaint received 2021-10-09
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: EQUIFAX, INC. (OH)

I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : -XXXX XXXX # XXXX -XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX -DEPT OF EDUCATIONXXXX XXXX XXXX date open XX/XX/XXXX ) -DEPT OF EDUCATIONXXXX XXXX ( date open XX/XX/XXXX ) -DEPT OF EDUCATION/XXXX XXXX ( date open XX/XX/XXXX ) -DEPT OF EDUCATION/XXXX XXXX ( date open XX/XX/XXXX )
Consumer complaint received 2021-10-09
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (NY)

The excluded workers government card was given to my family on XX/XX/XXXX by a stranger who accidentally received it in their mail. Since then weve noticed they spent all XXXX. We believe they copied the card info and used it to make purchases. We tried to contact the company but the android on the phone says the card number is invalid.
Consumer complaint received 2021-11-23
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: EQUIFAX, INC. (FL)

On XX/XX/21 I sent a letter by certified receipt and return receipt regarding multiple accounts with equifax. They were appearing inaccurately I disputed XXXX accounts. However, I have XXXX problem they neglected to remove XXXX of accounts listed on the letter I sent. Im simply asking for removal of account please and thanks its acct # XXXX {$45.00}
Consumer complaint received 2021-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Trans Union asked if I wanted to take a 7 day free trial with them but I had to put my credit card information on file with them I did. They wanted XXXX a month to stay with them. I canceled on the 6th day. They locked me out of my own account for not updating my credit card. I used to be able to go online and check my credit scores. Now I cant do anything at all. They put a freeze on my account Nobody can access my info not even myself. I didnt do anything wrong.
Consumer complaint received 2021-10-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

I'm a new user of paypal. I'm a XXXX XXXX XXXX and I got my first payment thru paypal. May account is fully verified with bank accounts and card linked to it even my client confirmed his payment to me paypal decided to permanently limit my account and they'd hold my funds for 180 days. 
Paypal Account : XXXX XXXX
Consumer complaint received 2021-10-09
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 (MD)

My wife 's Mastercard credit card, issued by Capital One, had several unauthorized charges that were identified as fraudulent. That card was replaced by a new card. New unauthorized charges were posted to it on the day after the card was received but before my wife used it. I called the bank 's fraud line, and in the discussion with the bank 's representative I learned that the bank had an agreement with Mastercard to automatically update my wife 's card number. This enabled the fraudulent posting to continue. The bank 's representative stated that there was no way to stop such charges other than to " lock '' the card. This makes the card unusable. 

I see from an internet search that some banks give their customers the ability to opt-out of the Mastercard Auto Updater feature. If this is not required for nationally chartered banks that provide credit cards, I believe it should be. It would reduce the burden borne by customers from the apparent inability of Mastercard and its bank partners to prevent repeated attempts at fraud.
Consumer complaint received 2024-02-27
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correctedXXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-10-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: AMERICAN EXPRESS COMPANY (GA)

I contacted XXXX customer service line to get help on activating my new card. I called them three times and all three times when I was finally transferred to an agent, the line would go silent. I said hello multiples times in each call and received no response. If I dont have the capacity to activate my card and then Im unable to receive help from customer service to help me with my concerns or issues, then this is not a reputable business. The services from this company should not be offered to consumers who are seeking use tools to manage their finances.
Consumer complaint received 2021-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CULLEN/FROST BANKERS, INC. (TX)

I wish to file a complaint against Frost Bank. I am being fined and having money removed from my account because Frost and Visa are refusing to accept a refund for {$300.00} from a merchant acting in good faith ( XXXX XXXX XXXX ). I was told the bank was not aware of any attempt of a refund from around XX/XX/XXXX and so I had to spend {$75.00} calling the merchant. The truth is that the bank declined the refund, and is now saying it is Visa that did it. After going to two branches and making numerous time-consuming calls to finally figure this out, Frost issued a credit for the refund because they could see the merchant did indeed attempt to send it several times. The next day, the refund was rescinded, and I was charged an overdraft fee. I was then told I would be responsible if the merchant did not try a fourth time to issue the legitimate refund the bank refused to accept. This is unacceptable, and not my fault, so I should not be charged for Frost 's and/or Visa 's failing to accept the money back. Please help.
Consumer complaint received 2021-10-09
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)

Good afternoon, I was able to verify some incorrect information on my credit report, I tried to get in touch with the different credit Bureaus, the main issue here its that they never answered, I followed the recommendations and tried to reach them several times. As I understand they are supposed to answer me within 30 days.
Consumer complaint received 2021-10-09
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: MECHANICS BANK (CA)

On XX/XX/2021, I went to the Mechanics bank in XXXX, California ; located at XXXX XXXX XXXX. I was going to open a savings account, however, I did not open an account, because the employee tried to persuade me to open it and maintain it online and to receive e-statements, instead of paper statements. I was told that there would be a monthly fee per month in order to receive paper statements and that the fee would be automatically deducted from my account. Therefore, I never opened an account. The reason Im writing is because I read that banks are NOT supposed to charge a fee to receive paper statements and that the law states its illegal to charge a customer a fee to receive paper statements. I told the employee this fact, but the employee did not care to waive anything. I left the bank without opening an account, but I have been to other banks also and they too try to charge monthly fees for paper statements.
Consumer complaint received 2021-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (FL)

I have been a victim of Credit Card Fraud and it was not properly investigated. 
On XX/XX/21, I received a notification that there were two ( 2 ) transactions on my JetBlue Barclays Credit Card ending in XXXX, listed below : {$880.00} for JetBlue XXXX, Merchant Location XXXX, XXXX  XXXX and {$940.00} for XXXX XXXX XXXX, Merchant Location XXXX, XXXX XXXX. 
Immediately I contacted JetBlue Barclays Credit Card Customer Service and advised that these transactions were not mine, that I did not authorize these transactions and that in XXXX XXXX XXXX, XXXX. I was assured that I would not be charged for these transactions and that card ending in XXXX had been cancelled and that I would be sent a new card to replace the same. I, then was informed that because I had a history with these Airlines that I was automatically responsible for these transactions. These weren't mine and were allowed to go through due to JetBlue 's negligence.
Consumer complaint received 2021-10-09
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: EQUIFAX, INC. (TX)

This dispute is for the XXXX XXXX account on my report. It reports Collection charge off when it was never charged off its all reported as a collection until recent. This account balance has been paid in full please remove from my report. Thanks
Consumer complaint received 2022-11-01
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. The account below should be corrected ASAP XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (CA)

On XX/XX/2020, Comenity Bank ended their credit card program abruptly during a critical time in the formation of the Covid-19 Epidemic. As a direct result of Comenity 's closing of accounts in good standing, like this, an avalanche effect destroying this consumer 's credit worthiness ensued. Credit scores plummeted and additional punitive actions were taken by other credit issuing banks including XXXX, XXXX XXXX XXXX, and most importantly, XXXX XXXX who made exaggerated efforts to communicate account durability to network partners while fraudulently enrolling clients in relief programs designed to amplify their financial crisis. XXXX XXXX XXXX XXXX  and its subsidearies XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXXXXXX. used the information they received from Comenity to cause the decision to initiate theft of securites and stock from investment accounts and offer temporary credit lines that were designed to never be made permanent as a result of the damage to the credit report and scores caused by Comenity.
Consumer complaint received 2024-02-27
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. (TX)

I am writing to bring to your attention several inaccuracies on my consumer credit report, as maintained by your agency. I have identified numerous discrepancies that violate the Fair Credit Reporting Act ( FCRA ) and related statuses. It is essential to rectify these issues promptly to ensure the accuracy and fairness of my credit profile. 1. Late Payments : There are inaccuracies in the reporting of late payments on my credit report. 2. Credit Utilization : There are inaccuracies in the reporting of credit utilization on my credit report. I assert that the entities providing information to the credit agencies ( Furnishers ) have no right or written consent from me to furnish my information. 3. Revocation of Consent : I hereby revoke any forms of consent be it verbal, non-verbal, written or implied for the furnishers to furnish my info. 4. Nondisclosure Option : I have not been properly informed by the Furnishers of my right to exercise a nondisclosure option, as required by 15 USC 6802 ( b ) ( c ). 5. Adverse Information : Inclusion of adverse information without proper authorization violates 15 USC 1681C ( a ) ( 5 ). Knowingly Furnishing Inaccurate Information : Furnishing inaccurate consumer information knowingly is prohibited under 15 USC 1681s2 ( a ) ( 1 ). 6. I have also noticed some unauthorized inquiries items that must be removed. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time - XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX, XXXX have all violated my right to privacy. 7. Immediate Deletion of Negative Accounts : I request the immediate deletion of all negative or derogatory accounts on my my credit profile with Experian, XXXX and XXXX. 9. Notation of 15 USC 1681 ( c ) : Immediate notation of 15 USC 1681 ( c ) in XXXX, Experian and XXXX systems concerning my report.
Consumer complaint received 2024-02-27
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an FTC report XXXX XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous information and fraudulent items which were being posted to my report. Here is the list of items which were opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.