davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Medical Credit Corporation, Inc. (MI)

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2022-07-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NY)

On XX/XX/XXXX i purchased a XXXXXXXX XXXX from XXXX XXXX. On XX/XX/XXXX seller informed me that she would not ship the XXXX because paypal had limited her account banning her from accessing the payments i sent therefore she will not ship the XXXX to me. I called paypal to notify the problem on the same day. Paypal advised me to open a non receipt item case for both payments. According to paypals policy, if a seller fails respond within 10 days, a refund will be automatically processed. On XXXX it marked the 10 day limit, the {$2100.00} was automatically refunded however the other payment {$2900.00} is still being reviewed. When i called in, their reps werent able to tell me when they will release my money although it passed the 10 day limit. 

Paypal is illegally withholding my money. I am requesting a refund
Consumer complaint received 2021-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I contacted the credit agencys about my XXXX account and chase account as the balances owed are not corrects, and I tried to settle the correct amount with them but the was denied. I requested how the credit agencys verified the account was accurate and I was never provided any proof just a letter that says it was verified again but i want to see my application I signed something there verifies this account was mine to say it was verified.
Consumer complaint received 2021-04-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (AZ)

Chase Bank held my stimulus check so that I would overdraft my checking account. Once I did overdraft my stimulus check was made available. Chase then credited money to my account without my authorization for all fees accrued due to them holding my stimulus check. Then they took the amount credited from my account 29 days later, which was when I was made aware that this was happening with my account. I did not sign or offer any approval and did not at anytime ask chase bank for any assistance with anything regarding my stimulus check. Assistance is for those who need it, how does Chase determine who needs assistance without first communicating and asking thier consumer? I have no rights as a consumer if I have no choice in regards to my funds. Sending an email is not proper notification for chase changing their service agreement in regards to overdraft fees and not first sending me documentation and proper notice they are doing so.
Consumer complaint received 2022-10-11
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, US Dept. Of Education/XXXX  Account # XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXXXXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX 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 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX  XXXXXXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, US Dept. Of EducationXXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX 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 2022-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BMO Bank, N.A. (IL)

On XX/XX/XXXX, BMO accepted a check that was illegally endorsed. The check was an insurance two-party check made out to me, XXXX XXXX XXXX and XXXX XXXX XXXX. The check was to be endorsed by me and then sent to XXXX XXXX with paperwork I provided from XXXX XXXX for their endorsement. XXXX XXXX never received the check for their endorsement. 
I gave the check to XXXX XXXX, endorsed by me with the paperwork and they said they would send it to XXXX XXXX so they could endorse the check and send it back to me. Instead, XXXX XXXX endorsed the check themselves, deposited it, and BMO accepted it. Seems to be illegal. 
XXXX XXXX and my insurance company 's bank, XXXX XXXX, filed affidavits of fraud. 
On XX/XX/XXXX, the fraud charge was denied by XXXX XXXX, fraud analyst with BMO. XXXX XXXX has accepted the ruling. 
I have appealed to XXXX XXXX and he has responded that he would revisit this claim. 
He seems to be dragging this out. I am looking to get this resolved after over a year of this dispute.
Consumer complaint received 2023-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

On Sunday XX/XX/XXXX I used my Chase Debit Card to check into the Marriott. The Marriott erroneously ran my card multiple times for the authorization. They apologized and explained that they will only charge my once and the other hold will " fall off '' from my bank. So my account had 3 deductions at the time ( 2 for {$80.00} and 1 for {$10.00} ) which all were being deducted from my available balance. This was the case since Sunday evening through Wednesday when one the {$10.00} authorization fell off and 1 of the {$80.00} charges posted for the true amount of {$72.00} however there was still a {$80.00} charge pending. I knew it could take up to 3 days for the authorization to be removed so I waited 1 more day. On the morning of Thursday XX/XX/XXXX I noticed the pending authorization for {$80.00} still there so I called to have it removed. 
The person I spoke to said it can't be removed she said it was just placed today and I will need to wait until it post to dispute. I explained what happened and that I don't think it was authorized today but instead it was an extra authorization from when I checked in days ago and she disagreed and said it was nothing she could do. I spoke to a supervisor who said the same thing pretty much. I'm hoping I don't have to wait 3 more days before this authorization falls off again. What happens if instead of falling off they repost the same authorization again and it continues in perpetuity? I will have funds not available to me that should be. There should be a way to remove an authorization on an account and to make the funds available to the consumer. Not having any option to rectify this is unacceptable.
Consumer complaint received 2022-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (TX)

I responded to a promotional balance transfer offer for a 0 % APR on two different transactions for a total of {$9100.00} and paid the balance transfer fee. Prior to this balance transfer, my payment type was set at an auto payment for statement balance. I did not remember to change the auto payment to minimum payment since the 0 % APR allows minimum payment without any interest for the promotional period. So the payment for the new balance from the balance transfer was returned because of insufficient fund, which when I realized the error, I called the back to explain and then changed auto payment to minimum payment. To my shock, after explaining to the bank what happened, they went ahead and cancelled the balance transfer promo, and are now charging me interest of 26 % APR on the balance. I first saw this on my XXXX  2022 monthly statement, and I called them to rectify the issue to return the balance type to balance transfer and not purchase. They refused to do so and are insisting on charging me 26 % APR. This is total cruelty from these credit card companies and I am filing this complaint to show what we suffer in the hands of these institutions.
Consumer complaint received 2022-10-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-03-29
Product: Credit reporting 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. (CA)

Hello I recently look to my credit report and i am a victim of identity theft, i found on my credit report the fraudulent account, that i want to dispute. The fraudulent account ruined all my credit score. 
XXXX XXXX : opened XX/XX/2023 XXXX XXXX  : Account number XXXX XXXX XXXX  : Fraudulent Charges {$XXXX}
Consumer complaint received 2022-09-24
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. (MI)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately!
Consumer complaint received 2024-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/year> i received notification by email from capital one bank stating they were ending our banking relationship. On XX/XX/XXXX, XXXX XX/XX/year> i phones capital one customer service lines asking them to transfer my direct deposits they state they could not because i had active disputes at the time. I asked which other ways was i able to transfer or withdraw my funds. Capital one stated that the only way to withdraw my funds was to go to the nearest branch must i say the meareat location to my home is in a different city. So i have a froze account now with capital one no way to get money to travel to get my money thank the XXXX i was able to get there on XX/XX/year> and withdraw {$1400.00} my deposits amount to {$1600.00} i was negative $ XXXX on XX/XX/year> on XX/XX/year> Capital one automatically withdrew the negative balance i had on XX/XX/year> which was $ XXXX. On XX/XX/year> i arrived at the branch in XXXX Texas to withdraw my funds in person must i remind i had to go extra miles with no money to withdraw my money. I only received {$1400.00} meaning capital one took an extra {$190.00}. Capital one stated also on XX/XX/year> that my account would be fully closed and any remaining balances would be transferred to a linked account on file which i also have or by check to the address on file. Today is XX/XX/year> my account is still open as im still able to log in and see my balances. Today is XX/XX/year> and i still have not received any transfer or close out check by mail for this checking account.
Consumer complaint received 2022-12-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (MI)

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2018-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

A credit repair firm sent multiple dispute letters addressing a XXXX account on my TransUnion report. This account is listed with a {$0.00} balance but is still being reported as an active late payment account.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

XXXX, XXXX, & Equifax continue to report incorrect information listed on the account XXXX XXXX Account # XXXX. There are several late payments listed that are different from each consumer agency. Neither consumer agency provided evidence that supports their claim and I do not care who is right and who is wrong I do know reasonable efforts must be made to investigate the accuracy of all information. 

XXXX is reporting late payments for XX/XX/XXXX and XXXX + XX/XX/XXXX XXXX is reporting late payment for XX/XX/XXXX through XXXX to XXXX of XXXX Equifax is reporting late payments for XX/XX/XXXX and XXXX + XX/XX/XXXX. 

This account can not report this way and each consumer agency failed to provide accuracy which has caused me harm. I would like the evidence that they obtained to prove this information is correct. 

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2022-12-16
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. (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 XXXX XXXX BALANCE : {$0.00} XXXX XXXX XXXX ( Original Creditor ) : XXXXXXXX XXXX XXXXY XXXX XXXX XXXX : {$1200.00} XXXX XXXX ( Original Creditor : XXXX  ) XXXX BALANCE : {$2200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX/XXXX  XXXX BALANCE : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2022-07-05
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I ordered a sofa from pottery barn & was offered their store card at time, I accepted however months later when sofa still unavailable I cancelled the order in XXXX, and I was told I was given full credit. Pottery Barn then changed their credit card company to Capital One two months after I was told I was issued full credit, however pottery Barn failed to have issued the full credit properly and left a {$250.00} shipping charge on my account, which was transferred to Capital One. I never knew of the balance they mistakenly left in my account, I never knew Capital One took over their store card, until I went to apply for car loan that XXXX, and my score had decreased by 150 points! Pottery Barn finally acknowledged their mistake, credited me for shipping charge I never owed, and I asked capital One to remove late payment report they refused! When I disputed Capital One reporting me late with bureaus cap one responded the account satisfied however, they refuse to report I was never late and balance was never owed! I have called, written, begged Capital one to report correctly and remove the late notice and they refuse, saying it wasnt their mistake! This one late payment still reporting against me is devastating to my credit score, and is not true! I cant have been late paying a balance that I did not owe,, to a credit card company I never knew took over their accounts, and that I was never invoiced from! Capital One even refuses to give me the account number they set up without my knowledge, so I could file this complaint! I have tried for over a year, and Capital One refuses to send me a letter confirming my payment was not late, they refuse to report correctly to the bureau, its costing me a fortune in interest charges any time I apply for something, and have been declined for new credit due to their reporting that I paid the account I knew nothing about, late! This should be against the law that they are not required to be truthful in reporting and are causing me such harm!
Consumer complaint received 2019-06-27
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. (FL)

THE DISPUTED ACCOUNT AND INQUIRIES DOES NOT BELONG TO ME, I DID NOT AUTHORIZE ANY TRANSACTIONS TO THIS ACCOUNT. PLEASE IF YOU CAN KINDLY CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THE DEROGATORY ITEM DELETED OFF MY CREDIT.
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I have disputed an item on my credit report ( XXXX XXXX XXXX XXXX ) in XX/XX/2022. My bank and I pulled a copy of my credit report from TransUnion on XX/XX/2022. TransUnion is in violation of FCRA by failing to include a notation on the account that it is disputed or has been disputed. 

I also requested verification proof of their investigation and they refused to provide that information as well.
Consumer complaint received 2022-03-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION (OH)

On XX/XX/XXXX, my husband and I opened XXXX separate checking accounts on Truist 's website. My application # is XXXX, and my husband 's application # is XXXX. We didn't get approved immediately. The result we received were " Whoops. It's taking a bit longer than usual to get your account details ready. '' However, until now I didn't receive any email or mail regarding our checking account details. We only received XXXX emails ask us to make deposit into our accounts. But we are not able to do so because we do not know our checking account numbers. We are not able to create online banking either because we do not know any information of our accounts ( debit card number or account number ). We called customer service, spent XXXX hours on waiting and finally spoke with representative. They didn't know what's going on either. They asked us to go to a brach, but the nearest branch is XXXX hours of driving.