davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Valor Intelligent Processing, LLC (NE)

I have received 2 phone calls at my place of business in their attempt to collect this debt. They have used a company that goes by " XXXX '' to attempt to collect the debt. The first time they called my business, I told them to send me correspondence by mail to my home address or call my cell phone. The second time they called my business I asked the representative not to call my business anymore. Instead of saying " okay '', she proceeded to argue with me for 3-5 minutes as other employees at my business overheard the conversation.
Consumer complaint received 2023-01-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Valor Intelligent Processing, LLC (OR)

This complaint is regarding accounts. Per track, it's been several months with no information given, no investigations performed, and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), which violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported.
Consumer complaint received 2023-01-17
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: Experian Information Solutions Inc. (AZ)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ( account # XXXX ) has violated my rights. Please delete this account from my credit report. 

XXXX U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692C states that without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-01-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (PA)

On XX/XX/2023 I attempted to deposit {$2.00} in cash in an ATM located at a PNC Bank located at XXXX XXXX XXXX XXXX, PA XXXX. The debit card has XXXX and XXXX network icons printed on the card. The debit card was issued by PNC Bank but is branded as a Fidelity Cash Management Account Debit card and I was advised by the issuer to consult the VISA ATM Locator for compatible ATMS, XXXX XXXX XXXX  the website and locator indicates that shared cash deposits can be made by Visa cards and I believed that this card was a program participant. Nothing was listed in the card brochure indicating that deposits could not be processed. I also found a PNC Bank ATM since the card was issued by PNC Bank. I deposited {$2.00} and upon selecting an account the machine made some sounds and displayed a circle graphic indicating that it was processing and did not return the {$2.00} to me, instead the machine gave me a receipt for {$0.00} and printed on the receipt transaction can not be processed. Immediately after the incident at the ATM occurred I called Fidelity card services and was told to file a dispute with PNC Bank since there was no deposit activity visible on the card. I visited the branch at XXXX XXXX XXXX XXXX, PA XXXX where the ATM was located on XX/XX/2023 in person to inquire about filing a dispute, a teller informed me that I could make a non-customer complaint and assisted me in doing so, I gave her my contact information, the information on the debit card including card number, and receipts that indicated the failed transaction and was informed that I would be called back by PNC Bank. I am filing this complaint to request assistance in what I would consider a complex problem involving multiple banks and am requesting assistance with having this issue resolved. When calling PNC Bank corporate office, I was not given the chance to file a dispute and had to file a complaint through a teller, who had difficulty finding the information to file a non-customer complaint, since this issue involves multiple banks and an ATM network I feel that I may want more assistance with getting this complaint resolved. Attached are transaction receipts for the ATM.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

This letter serves as a formal notice and demand for immediate action regarding multiple inaccuracies on my credit report, which you have negligently allowed to tarnish my financial reputation. Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ) and 623 ( 15 U.S.C. 1681s-2 ), I am exercising my right to challenge and demand the correction of these inaccuracies XXXX. I XXXX XXXX XXXX have listed below the item being disputed : XXXX which is a Student Loan which has never been past due but yet has been reported past due and impacted my credit score.
Consumer complaint received 2020-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (FL)

REFERENCE CASE # - XXXX I HAVE SENT THIS INFORMATION SEVERAL TIMES SINCE XXXX VIA FAX OVER THE PAST FEW MONTHS, I RECEIVED NO RESPONSE. 
ALSO, I NEVER RECEIVED THE " AFFIDAVIT '' THAT I WAS REQUESTED TO SIGN IN THE XX/XX/XXXX LETTER.
Consumer complaint received 2020-03-07
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. (OH)

There is a medical debt in the amount of {$1000.00} under the medical practice of XXXX XXXX XXXX being reported by the collection agency XXXX XXXX XXXX XXXX as of XX/XX/XXXX, XXXXAccording to the National Consumer Assistance Plan implemented and initiated by XXXX, TransUnion and XXXX  in XX/XX/XXXX, medical debts won't be reported until after a 180 day waiting period to allow insurance payments to be applied. The credit reporting agencies will also remove from credit reports previously listed medical collections that have been or are being paid by insurance. I have tried to dispute with the credit reporting agencies and they are violating the FCRA AND DISREGARDING THIS RULE OF LAW.
Consumer complaint received 2024-03-20
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. (FL)

I am the living woman and beneficiary of this account and it has been brought to my attention that although I have written several letters asking for validation of debt, audit trails I am not getting any responses because of the automated system they have in place which in fact is a violation as well.

They have violated the following federal constitutional laws : 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy.

I did not give them permissible purpose to identify these acccounts. These 3 credit reporting agencies have contractual violations, FCRA Violations, UDAP violations as well and I do intend to sue if these accounts are not deleted from my report.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.
Consumer complaint received 2022-08-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

What happened was I had account with bank of America for more than 20 years, never was offered any products from them, was denied credit cards personal and car loans, others people that i knew haven't been a citizen in US and some were not citizens have gotten credit card personal loan, it must of been minority community, the zip codes, My salty was more than XXXX XXXX back then, now it's around XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX the Same, it's shameful
Consumer complaint received 2023-06-09
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. (OK)

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 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 2023-01-17
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. (PA)

all 3 credit bureaus are reporting a charged off XXXXXXXX XXXX XXXX  ..i have challenged the 100 % accurate reporting of this account as required by law with all 3 credit bureaus as well as XXXX and each time they say that they verified the information being reported is 100 % accurate... i have challenged this about 10 times ... im looking at the inaccurate information on my credit report and i am going to point it out below and will attach a copy for your review... ..these companies are violating my consumer rights .. date of last payment transunionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  trasunion - XXXX - XXXX XX/XX/XXXX -- -- -on the 2 year history they are also reporting XX/XX/XXXX XXXX XXXX transunion- {$580.00} XXXX XXXX XXXX XXXX XXXX transunion- Charged off as bad debt Purchased by another lender XXXX- Purchased by a another lender. 
Unpaid balance reported as a loss by credit grantor. XXXX XXXXXXXX XXXX ITEM DISPUTED BY CONSUMER XXXX- Account transferred or sold Charged off account
Consumer complaint received 2020-03-07
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. (OH)

There is an account on my credit report from XXXX XXXX. My legal name is XXXX XXXX XXXX. However, the account does not have my full name. See attached letter from XXXX XXXX. They report my name as XXXX XXXX, which there are many people with this name across the US. Also, XXXX XXXX is not able to confirm the date of first delinquency for the account. I have disputed this account with Experian but they did not remove the account. Experian has mentioned the account will remain on my report until XX/XX/2020. However, according to the Fair Credit Reporting Act, a person 's name must be validated and accounts must be removed after 7 years. XXXX XXXX is not able to provide documentation to confirm the full legal name and the account appears to be greater than 7 years past delinquency. To comply with federal law, Experian must remove the account from my credit report. Note that other reporting agencies such as XXXX  has removed this account.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX Date of inquiry : XX/XX/2023
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2020-03-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Klarna AB (VA)

On XX/XX/2020, I purchased a dirt bike from Orionpowersports and chose XXXX to finance a 12 month 0 % interest from the vendor website. I created a XXXX account and checked off the autopay feature. I linked my bank account to XXXX as directed. 

I then tried to enter the payment amount for the autopay feature and ended up instead, sending an {$80.00} payment to XXXX. XXXX handles all of their incoming contacts via a call center. One can open a chat session or call but the call center will not transfer call nor provide a person 's email. 

What I was told, is that autopay will pull the payment from my connected bank account for the amount of the minimum payment due from the current 25th statement. Then, if you want you can manually add to that minimum amount to make the payment whatever you want so that you have a {$0.00} balance after 12 months. Each manual payment would be different since the balance owed changes each month. 

I looked up references plus used my 69 years of experience to question how an autopay plan needs a manual adjustment. Autoplans usually have a fixed amount with a set number of months and is designed to have a {$0.00} balance at the term-end so that there is no finance charge due.

I reached out to Klarna through chat but they just repeated the minimum payment procedure. I have come to believe that this is an intentional plan on Klarna 's part.

My financing of {$1500.00} using the minimum amount ( about $ 32/mo. ) amount due method would have left me with a balance at the 12 month end date of about {$1100.00}. I would have to make a balloon payment or have the interest for the 12 months added to my balance. 

I believe that this is a deceptive and deliberate practice on Klarna 's part to have customers come up short and be charged interest. I have already made arrangements to payoff my balance and close my loan out so I am not personally looking for anything from Klarna. 

Thank you XXXX XXXX XXXX
Consumer complaint received 2023-11-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

Cash deposits are not recorded on time I recently made a cash deposit to cover an overdraft which Wells Fargo sent out an email that I had that so call extra day deposit which I did. What I thought was funny is when I made the cash deposit in the bank ATM, I did not get a text receipt. So, at XXXX I login to my account I was charged XXXX overdraft fees that I made a cash deposit for the night before at XXXX. I called the customer service and explained that I made a cash deposit into the bank ATM to cover the overdraft. I customer service rep tried to give me a hard time. And offered to refund me {$52.00}. I said No I did my part and made the deposit. So, the rep said we will refund the fees this XXXX time. This happened to me last month and I let it go. It's the time of the year for Wells Fargo to take money. Please keep your eye on them.
Consumer complaint received 2023-01-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (TX)

Almost a year or XXXX ago when XXXX merged with PNC, they've implemented " MONTHLY SERVICE CHARGE VR '' fees for {$7.00}. I rarely have money. On XX/XX/2023, I had {$0.00} because I don't work and have been going to school, but couldn't as my family and I are poor and can't afford to do most things. They charged me on that day, reduced me to - {$6.00} and sent me an alert on Monday that I had low cash and that " If you don't bring your account balance to at least {$0.00} by XXXX p.m. ET on XX/XX/2023, your account will be charged an overdraft fee ( XXXX ). '' I've talked to them in person and on the phone before and they said it's part of the policy, that if you are under {$500.00}, you will be charged monthly for {$7.00} and there's nothing they can do about it. I'm lucky I was able to ask somebody for a quick cashapp because I wouldn't know what else to do. This is ridiculous as XXXX never had that. PNC charges on that and would have Overdrafted me if someone didn't intervene for me and send me money as an emergency. It doesn't make sense to take money when there is no money. I've had to do this twice and it's annoying. Whomever implemented this at PNC is preying on people.
Consumer complaint received 2020-03-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (MI)

I am seeing a debt for {$300.00} on my credit report. I have tried to dispute this and I don't have a clue what this is. Comentity bank has not been helpful getting this unrecognized debt taken off my report.
Consumer complaint received 2020-03-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC (NC)

Someone used one of the prepaid cards that you buy from a store and purchased a XXXX  XXXX product under my name falsely I called the company to try to figure out why it showed up at my house to return it and they refuse to take it back and the card that was used again was a prepaid card that was fraudulently used with my name. The account was opened XX/XX/XXXX I'm unsure of the exact date. But I did have a dispute done with them and it still shows up on my credit report showing I owe {$510.00} with XXXX payments and I explained to them that it was not my debit card through my bank I don't know who open the card or anything else. XXXX XXXX is the original creditor but MONTEREY COLLECTION SVCS is the one that shows up as the collections Agency on my report.
Consumer complaint received 2024-03-20
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. (AL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-20
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX -Has violated my rights XXXX-Account # XXXX Has violated my rights XXXXAccount # XXXX Has violated my rights XXXX-Account # XXXX Has violated my rights XXXXAccount # XXXX Has violated my rights XXXXAccount # XXXX Has violated my rights XXXXAccount # XXXXHas violated my rights 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 an account without my written instruction.
Consumer complaint received 2020-03-07
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS filed XX/XX/2019