davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-14
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. (PA)

It has come to my attention that XXXX XXXX has denied me twice XX/XX/2022, XX/XX/2022 of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ). As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( L ) making XXXX XXXX XXXX an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request! It is shocking to me that XXXX XXXX takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system
Consumer complaint received 2022-12-03
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. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.
Consumer complaint received 2022-10-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have already spoke to capital one. It is a fraud case. Somebody took money from my account total of about XXXX XXXX A company called XXXX XXXX XXXX is de name that took de money but looks like fraud. So I have complain to capital one but no credit yet.
Consumer complaint received 2021-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (FL)

I sent Capio Partners , LLC a U.S. certified debt validation letter approximately on XX/XX/2021 ) requesting that it also provides my legal authorization and initiation for it to gain access to my personal information. Capio responded with a letter ( see attached XXXX dated XX/XX/2021. The letter does not include what i requested for legal authorization debt validation, permissible purpose, nor how it accessed my personal information to report to major credit reporting bureaus ( for example, XXXX and XXXX ). The letter from Capio states that the account is closed and returned to the client. I do not know who the client is. The letter also lists an account number.
Consumer complaint received 2021-06-13
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. (FL)

Hello, Im here to follow up with my last complaint that I made towards my credit report having some inaccuracies. I stated to the credit bureaus that a public record ( bankruptcy ) was showing inaccuracies on it, and they need to delete for not following the FCRA Guidelines towards compliance on having accurate data across all 3 bureaus.

I will attach my new report that I pulled today to show that after disputing serval times with them, I still come back with the same inaccurate data.

Here are the following sections I've disputed with them on inaccurate data : -Inaccurate court name across all the bureaus -Inaccurate Fillind dates -Inaccurate Reference #
Consumer complaint received 2022-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: RC Willey (CA)

My credit dropped tremendously so I pulled up a credit report. It shows that RC Willey is still an open account. Under account status and payment status itsays current. For status update it says XX/XX/2019. It shows that I have a credit limit of XXXX and used {$930.00}. I called RC Willey in XXXX XXXX, and I was told that the account was closed however, under payment status, on my other accounts it says debt included in or discharge through bankruptcy chapter XXXX, XXXX, or XXXX which it should say that too. I called my attorney and confirmed that we did put RC Willey in the bankruptcy.
Consumer complaint received 2021-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, Im here to follow up with my last complaint that I made towards my credit report having some inaccuracies. I stated to the credit bureaus that a public record ( bankruptcy ) was showing inaccuracies on it, and they need to delete for not following the FCRA Guidelines towards compliance on having accurate data across all 3 bureaus.

I will attach my new report that I pulled today to show that after disputing serval times with them, I still come back with the same inaccurate data.

Here are the following sections I've disputed with them on inaccurate data : -Inaccurate court name across all the bureaus -Inaccurate Fillind dates -Inaccurate Reference #
Consumer complaint received 2022-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NC)

XXXX XXXX Chase refused to transfer the direct deposit into the correct checking account. Chase deposited my {$2500.00} into my business account ending in XXXX instead of my personal account ending in XXXX. After repeatly requesting the funds to be transferred to right account. Chase Bank refused to make the process therefore taking the money and not issuing me a cashiers check for the full amount. They also notified me the day of this incident that all my accounts were placed on restrictions and will close immediately.
Consumer complaint received 2018-07-03
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP (CA)

I received a gift card ( Visa debit ) about a few years back for {$50.00} from XXXX, with an expiration date of XX/XX/XXXX. A few months ago I tried to check the card balance on the company 's website. It could not locate my card and was also unable to register the card. I tried to use it at a store in case it worked their, but that was unsuccessful. I tried the site again today with the same result, and then called the number listed. I spoke with a representative who said she could not find the card, which meant she couldn't tell me anything that happened with the card. No transaction history, date of purchase, when it was closed, etc. So at some point, the card balance was depleted and my gift resulted in zero.
Consumer complaint received 2021-06-13
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: EQUIFAX, INC. (TX)

I have been trying to get updates from off my credit reports. Please remove all unverifiable and unauthorized negative accounts. Or I will have to file for litigation. Please have them update the credit reports immediately. This is against the CFPB regulations and guidelines
Consumer complaint received 2021-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Upgrade, Inc. (NC)

I am XXXX years old and had many visas. Upgrade Visa is by far the worst I have ever dealt with. About 3 months ago There were discrepancies in billing @ {$230.00} was not deducted from my Visa after 45min.wait for customer service, and a letter They did reimburse me finally. Now I have a credit from XXXX XXXX Rental. Not showing where it was credited. Also, on the attached copies you will notice something called update Exported Disbursement???? Customer service did not know what this is and nether do the amount of credit was {$490.00} shows as a post payment but does not show that it was a credit from XXXX highlighted in yellow. Customer service insisted that I did receive my credit ( sorry I have 0 Confidence in ability. My question am I just a victim of circumstance or are they dishonest with many others. What needs to be done here a full-blown investigation.
Consumer complaint received 2021-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-03-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (TX)

On XX/XX/XXXX I received a letter from On Line Information Services asking me for {$250.00} from supposed creditor : XXXX XXXX XXXXXXXX. XXXX. of TX. I contacted XXXX XXXX @ XXXX and provided them with my account number and was informed that I had zero outstanding balance with them and that Online info. services was fraudulent. Please investigate the matter.

Thank you.
Consumer complaint received 2019-02-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE (MI)

I made a single {$2000.00} money transfer, WU withdrew the money twice from my XXXX XXXX XXXX account onXX/XX/2019. I have repeatedly contacted them to refund my money. They acknowledged their error but did not refund my money. 

Tracking # XXXX
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX  FRAUDULENTLY ACCOUNT THAT WAS OPEN IN MY NAME, I HAVE BEEN SPEAKING WITH XXXX XXXX  FOR THE PAST YEAR NOW ABOUT XXXX FRAUD ACCOUNT THAT WAS OPEN IN MY NAME, XXXX XXXX  HAS IDENTIFY THAT THE ACCOUNT WERE OPEN FRAUDULENTLY THEY HAVE TOLD ME SEVERAL TIME THAT THEY WILL BE REMOVING THE ACCOUNT FROM MY CREDIT REPORT AND THIS HAS NEVER HAPPEN, THIS IS EALLY IMPACTED MY CREDIT IN SOME MANY NEGATIVE WAYS, I HAVE REQUESTED DOCUMENTATION FROM XXXX XXXX  REGARDING THE FRAUD ACCOUNTS AND THEY NEVER RESPONDED. THESE ACCOUNT ARE FRAUD AND SHOULD BE REMOVE FROM MY CREDIT PROFILE IMMEDIATELY. I HAVE DONE MY PART BY REACHING OUT TO THEM TO FIX THIS PROBLEM MANY TIME AND NOTHING HAS BEEN DONE. THE ACCOUNT INFORMATION IS LISTED BELOW. I HAVE ALSO FILE A POLICE REPORT AND SEND TO THE FRAUD TEAM AND STILL NO RESPONDED. 


XXXX Also requested me to send in information of my identity to XXXX every time I tried to send in this information the website give me error messages I used chrome and XXXX and neither work, I have called several times and can never get any help on were to send the document they will not help me with anything. 

I was Ask to send in these document - bank statement for proof of address - State ID Driver XXXX XXXX Statement I have attach all document request.
Consumer complaint received 2022-03-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: DISCOVER BANK (OR)

Hello. I recently wrote out a check to my landlord to pay my rent on XX/XX/XXXX. When the check was cashed on XX/XX/XXXX I received a notification that it processed. The next day I was checking my account and asked why I had insufficient funds. My bank initially told me that the check was processed twice and that I would be refunded for the second transaction. 

My landlord reached out to me on XX/XX/XXXX saying that he did not receive any funds. I showed him a picture of my bank account showing that I had available funds to cover the check. He continued to ask me daily to check with my bank and I continued to reach out to them on several times between XX/XX/XXXX and XX/XX/XXXX. 

My landlord provided me a copy of his bank statement on XX/XX/XXXX showing that the check was deposited and then returned the next day for insufficient funds. I provided that information to my bank and they are continuing to say that I need to follow up with my landlord. Originally when I told the dispute team at Discover bank that I had a copy of his statement they started investigating the check. They told me that it would take 3 to 5 five business days from XX/XX/XXXX. When I called today on XX/XX/XXXX they were short with me and told me that the money was deposited into my landlord 's bank and that he has the money. They advised me to reach out to him.
Consumer complaint received 2021-08-23
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 ()

Earlier today my PayPal account was closed with the reason being in violation of " PayPal Acceptable Use Policy '', now I know for a fact that my PayPal account has not been in violation of PayPal 's Acceptable Use Policy as all I have been selling on my PayPal account was services related to marketing. Now PayPal 's limitation was unexpected to say the least, my PayPal account holds a balance of over {$220.00} CAD which are inaccessible for withdrawal. PayPal has caused me great financial loss by limiting my account incorrectly and I request that PayPal lifts this limitation and lets me withdraw my funds out of my account. 

I have personally been a long time user of PayPal and have not had any issues in the past years, for this to suddenly happen without any sort of reason given. I have attached PayPal 's user agreement as a PDF, I can confirm I have not violated PayPal 's user agreement in any sort of manner either. I XXXX XXXX have been using PayPal 's services fairly having had 0 disputes in the past, with fully satisfied customers. PayPal 's limitation on my account has caused me great financial loss from future clients being unable to use PayPal. 

I have attached additional proof showing that my business dealings using PayPal have all been regarding marketing my clients ' 'XXXX  server ' ( Proof attached shows my latest transaction on PayPal ). XXXX is a social media platform where users can create servers for people to meet up and communicate as a community, I personally have been selling marketing services to 'XXXX  server owners ' ( Clients ) guaranteeing an increase in their XXXX  server member count. I have gone through PayPal 's Acceptable Use Policy and have found that my service is infact compliant with PayPal 's policies.
Consumer complaint received 2021-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (CA)

I have not been receiving statements from Chase for my business account. I was told that mail was returned by the post office, and therefore the bank stopped sending me statements. I have called multiple times to let them know that the address on file is CORRECT and that statements should be sent as normal. However, this has not happened and I am still not receiving statements.
Consumer complaint received 2022-02-15
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. (CA)

The XXXX company should not have reported a late payment on my account, that was their error and I have been trying to resolve it for months. They should not be reporting this whatsoever and it's annoying that it's still on my credit report, still.
Consumer complaint received 2022-12-03
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: Experian Information Solutions Inc. (TX)

15 USC 1681 section states I have the right to privacy. XXXX XXXX XXXX in the amount of {$4300.00}. This account says in collection but is stated to be open. By law any account in collection can not be open. I never gave this company permission to use my information so this is all inaccurate and unauthorized information
Consumer complaint received 2022-07-06
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: JPMORGAN CHASE & CO. (TX)

Chase Auto is showing a charge off dated for XX/XX/XXXX. In XXXX of XXXX, Chase Auto repo 'd my car. The date of last activity by me is XX/XX/XXXX. I have called and spoken with Chase Auto to request a payment history from the beginning of the loan. They stated they couldn't look beyond XX/XX/XXXX which shows a payment of XXXX. I did not send in that payment. My grandmother purchased another car for me the day after they came and got the other one. I submitted documentation and to XXXX on yesterday and called them today at XXXX. I spoke with XXXX to explain the situation about Chase exceeding the reporting limitations. I was told they started over from XX/XX/XXXX instead of XXXX. I asked him if he would pull up the documentations that clearly shows the charge off was not originally started in XXXX. I was then told by XXXX that he would not look at any documentations.
Consumer complaint received 2022-12-03
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. (TX)

15 USC 1681 section states I have the right to privacy. XXXX XXXX XXXX in the amount of {$4300.00}. This account says in collection but is stated to be open. By law any account in collection can not be open. I never gave this company permission to use my information so this is all inaccurate and unauthorized information
Consumer complaint received 2022-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am a bank america customer with close to XXXX on deposit in checking and saving accounts, they refuse to cash my bank of america checks. Reason is I don ; t have a debit card or a cell phone.

I offer 2 goverment photo ID 's I am XXXX yrs old a XXXX  vet, Why do I need a debit card or cell phone to access my money? 
Thank You XXXX