davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-13
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. (FL)

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 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights, XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights, XXXX XXXX XXXX XXXX XXXX has violated my rights, XXXX XXXX XXXX XXXX  XXXX, has violated my rights, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights, XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights, XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights, XXXX XXXX XXXX XXXX  XXXX XXXX, has violated my rights, XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights, XXXX XXXX XXXX XXXX  XXXX has violated my rights, XXXX XXXX XXXX XXXXXXXX has violated my rights, XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights, XXXX XXXX XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act these accounts has violated my rights. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written Instructions. 

XXXX XXXX XXXX section XXXX ( A ) States I have the right to privacy. XXXX XXXX. XXXX. ( A ) ( XXXX ) XXXX States : no consumer reporting agency may make any consumer report containing any of the follow items of information any other adverse item of information Any other adverse item of information other than records of convictions of crimes which antedates the report by more than XXXXXXXX XXXX. 

XXXX XXXX  XXXX ( A ) ( XXXX ) 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 2023-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (TX)

Synchrony Bank issuer of the CareCredit card owes me {$550.00} worth in rewards. I faithfully and without fail used by card to earn points in full accordance of their reward program. My account without any warning whatsoever was unscrupulous closed by Synchrony on XX/XX/2023. 

Unknown to me that the account had been closed, while traveling on business, I was reviewing emails. I received an email stating I had reward points to redeem. As I really did start the review process a few days prior, and in a haste to stop wasting time on the internet, I needed to pack, and I thought I will pick a reward, gift cards later. 

On the night of XX/XX/XXXX I received the email while in my hotel. I thought, well, I am on the trip, the stress to pack and get out is over, let me have a look and pick some gift cards. I attempted to log in to find my rewards were XXXX! 

Imagine my surprise!! I then noticed on my Syncrhony Master login, that all of my Synchrony cards had XXXX available credit. I honestly chalked it up to a system error with the bank and called it a night. Turned off the laptop, watched tv went to bed. 

It was not a system error. In fact Synchrony in one fell swoop shuttered all 11 of my cards with them. No reason other than, " high risk for failure '' - ok whatever, that is your opinion of me. It is dead wrong and totally unfounded. Closing my accounts is a business decision. 

However, I EARNED MY POINTS fair and square! I earned them over the course of several years. 

Yes, terms of that card say, when an account is closed all points are forfeited, however, I was NOT given a fair chance to redeem my points. I was BAITED with " you have points '' and then that SAME DAY the account is closed and points are forfeited. At best this is unscrupulous, mean spirited, unfair, borderline unethical. 

I have learned by DIRECT CALL, when I attempted to get my points redeemed as intended as earned, that if a consumer calls to REQUEST account closure, there is a script an agent reads to advise consumer to redeem reward points or lose them.
Consumer complaint received 2023-04-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: NAVY FEDERAL CREDIT UNION (AL)

On XX/XX/2023 I moved {$500.00} dollars from my Navy Federal checking account to a brand new Navy Federal Investment account I had just opened that day. When you move money Navy Federal Investment gives you a receipt that says " Thanks! your transfer is in progress. Once your transfer 's complete, it will appear in your Transaction History. Deposits up to {$5000.00} will post to your account and be available to trade with immediately. Deposit amounts over {$5000.00} will post i n about 3-5 business days. If you made a withdrawal, allow 2-5 business days for it to post to your account. Don't submit additional transfers unless you want them to be processed too. Copy the confirmation number below and save it for your records. '' The problem came on XX/XX/2023 when I moved another {$500.00} and upon reading that receipt I was under the impression that my {$500.00} was moved immediately into my investment account, especially since it was going from my Navy Federal checking account to my Navy Federal Investment account. I moved the remaining money out of Navy Federal and into another financial institution which included that {$500.00} I was under the impression had been instantaneously withdrawn from my checking account to my investment account. I was not sure what was going on when {$500.00} was withdrawn from my investment account. I contacted Navy Federal Investments. Once on the phone with them I was informed that Navy Federal Credit Union and Navy Federal Investments are two separate entities that work off two separate systems, so the Investment will ACH my Checking account and that the investment group is loaning me money until they ACH my checking account. I find the information that Navy Federal Investment gives is very vague in nature and very misleading in the information that they provide. Because Navy Federal Investment provided as little information as possible it has caused myself, and probably more users, to suffer a financial loss. A week after I discovered what happened I finally spoke with a supervisor, XXXX XXXX, who informed me that I was borrowing the money from them to trade immediately on the app, and since they had to take the money back, they sold off the shares that I had bought plus some others shares that was not bought with they money they took back. She told me that I would be hit with a {$20.00} fee at the end of the month and that she would wave this fee. This fee was never mentioned to me at all up to the point. Navy Federal Investments I feel like are taking advantage of vague and misleading information and after bringing this up to the company they have yet to resolve the issue.
Consumer complaint received 2023-03-23
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: Experian Information Solutions Inc. (LA)

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 

Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap Under 15 U.S. Code 1602 ( p ) - unauthorized use of my information As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE.
Consumer complaint received 2023-04-06
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)

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 items 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 XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$400.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-04-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Grain Technology, Inc. (IL)

I had an established relationship with the company. I paid by bill on time and ensured the credit limit was always available.

In XXXX  of XXXX  I was asked to verify my identity. this was after I had the account for almost a year. I submitted documents on their app and waited weeks for verification. the company wasn't able to verify my identity, waited weeks to respond to any questions and closed my account. Customer service is almost non-existent. yet the company continues to email me statements with a XXXX balance and credit limit. 

I am not the only person having this issue. the comments listed in the XXXX XXXX are riddled with customers who have had the same issue.
Consumer complaint received 2022-10-22
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. (PA)

My rights as a consumer have been violated multiple times by XXXX XXXX XXXX account number XXXX. 

According to 15 USC 1681 b, there can not be anything furnished on my consumer report without my written consent. 

I did not submit in writing to above said person that they may report anything on my consumer report. 

Also according to 15 USC 1681, I as a consumer have a right to privacy. 

All transactions between myself and above said person are private in nature which should have been kept private, by furnishing information on to my consumer report said person has violated my consumer rights.
Consumer complaint received 2023-04-05
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. (PA)

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report immediately.
Consumer complaint received 2023-03-23
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-04-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (CO)

XXXX XXXX XXXX XXXX owned by XXXX XXXX owes me money for damages. Their bathrooms were poorly maintained and falling apart. I made their maintenance aware of this on numerous occasions and they did not fix them. I ended up falling because the shower curtain holder broke when I was getting out of the shower and hit me on the head. XXXX XXXX XXXX owes me {$18000.00} in medical expenses alone from this. Additionally, a maintenance personnel told me that he and the manager wanted me gone because of my race. After this, I received three eviction notices in a very short amount of time. Two of them were completely fabricated. On one of them the maintenance personnel blamed me for falsifying the condition of my sink. This is exactly what the maintenance personnel told me. The other one came when my XXXX account got hacked. I was harassed and abused by the maintenance and the apartment management. At this point, the management gave me 7 days to leave. However, I gave them proof that my account was hacked. They took this claim away and then my door was being knocked at odd hours of the night by maintenance personnel. I did not feel safe and I had no choice but to leave. I was driven out of my home. After driving me out, the apartment created an invalid debt. I was constructively evicted when the door was knocked on and I was harassed. The apartment company did not even try to collect the debt from me and sold it to collections.
Consumer complaint received 2022-09-27
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. (PA)

I tried to apply for a car and my credit was ran multiple times to lenders that I did not authorize to use. PLEASE REMOVE 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
Consumer complaint received 2023-03-23
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: Experian Information Solutions Inc. (NJ)

To whom it may concern : The Fair Credit Reporting Act gives me the right to contest any information on my credit report that I believe is inaccurate. The data included in it must be documented and validated before its shown to anyone else, because if not then there 'll just have been one person who wasn't doing their job - which means more mistakes! I challenge the reportability of the allegations within my credit report. They simply are not true! My credit report is riddled with errors. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting! Please remedy the situation immediately Non-compliance with regulations and the law is never acceptable! The government is watching you like a hawk. They want to make sure that all your claims are accurate and reported in the correct format, which meets both METRO 2 standards as well as FCRA requirements! Im requesting evidence to show why my accounts are considered delinquent or derogatory. This includes any proof that the creditor had a permissible purpose for making claimed accounts and inquiries. I will be monitoring the situation and I expect to hear from you within 30 days. I expect you to conrm and verify the items are indeed reporting correctly or remove them permanently from my report. I want you to send me a hard copy of your actions and my updated credit report. The evidence of your actions and my updated credit report should be sent via mail.
Consumer complaint received 2023-03-23
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. (TN)

To whom it may concern : I am contesting the information on my credit report that I believe is not correct. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance with the accepted STANDARD of metro 2 data eld reporting. The information has not been proven to be true, correct, or veried.I can't recognize any allegations of wrongdoing without any factual proof. I challenge the reportability of any such claims. According to the federal and state laws that apply to me, you are required to report information accurately and completely.You should not keep or report anything that you know is not in compliance with the law or regulations.I am writing to let you know that you need to make sure everything in my credit report is accurate. This includes making sure that you adhere to all FCRA and METRO 2 format reporting standards.For every account that youre reporting, I need evidence ( physically veriable ) that you veried the information to be accurate and compliant. For every inquiry I request proof that you conrmed that the creditor had a permissible purpose.I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report.I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a new updated report. This will help me stay updated on the progress you are making.The following items on my report appear questionable! Please certify that all claims are true and accurate, complete and timely reported. If not, please delete immediately.
Consumer complaint received 2023-03-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lewis, McDonnell & Associates (NY)

I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letter-certified signature requests in XXXX. This debt is not valid and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area.
Consumer complaint received 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NBT BANCORP INC. (NY)

Per original complaint XXXX, which I can no longer access because it was closed based on the " goodwill gesture '' of NBT Bank on XXXX XXXX XXXX I was provided with the following statement ( See below & attachment ) : QUOTE : Therefore, as a goodwill gesture, we will be removing the repossession from your credit history and we are working to eliminate the remaining balance of the loan. You can consider this letter as evidence that there is no longer a deficiency balance and your loan is considered paid in full. We hope that in the future, should a similar situation present itself, you would speak with members of our collections and/or customer service teams to keep us informed of your situation and allow us the opportunity to work through the challenges and avoid repossession altogether. Sincerely, XXXX XXXX XXXX XXXX XXXX MONETARY RELIEF AMOUNT {$3300.00} Instead, the debt was reported AGAIN after this as a repossession at the close of that month dropping my credit score again. After nearly 3 months with no intervention on the company 's part, I submitted a dispute with credit agencies using this document provided by XXXX XXXX as " evidence '' for removal from my credit report. Instead of the result of the dispute being a removal, NBT 's response, despite furnishing the credit agencies with this document from the XXXX XXXX XXXX XXXXXXXX XXXX as it was presented in the original complaint through the Consumer Financial Protection Bureau, was to immediately report the debt TWICE in ONE WEEK as DELINQUENT ACCOUNT, DEROGATORY, COLLECTION/CHARGE OFF, amount owing ( TWO different amounts on TWO different days - See attached ), which dropped my credit score with XXXX ANOTHER XXXX points!! XXXX is showing recent delinquent reporting from NBT ( see attached ) - actual score will be updated within a week. XXXX  Dispute is currently still pending. I shudder to think what the end result of that will be. 

There are hardly words.
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America for more than four 4 Years reported as charged off, and bad debt to the Credit Reporting Agencies in the amount of {$4800.00} In view of such fact said report is inaccurate according to the IRS manual where a charged off is considered income which should be reported for tax purposes and income is excluded from the consumer report. Further, it's an impossibility for the report to ever be accurate as said amount can not be debt and income for me simultaneously. 

Notice this account is being currently litigated in Court by a third-party debt collector XXXX XXXX XXXX on behalf of Bank of America who also at one point had another debt collector that attempted to collect this debt without any form of verification. 

The record reflects numerous correspondence between all parties. There is evidence in abundance that support BANK of AMERICA NA. acts and omissions are deceptive, abusive, and inconsistent with the Provision of Several Federal Statutes including but not limited to the FDCPA and or FCRA The Consumer has been denied extension of credit on several occasion which constitute actual damage. 

I have attached a copy of a notice dated XX/XX/23 that was sent to BANK of AMERICA NA of my intentions to commence an action. Said notice sent is accompanied by a copy of the present case being litigated in a County Court on behalf of BANK of AMERICA NA. by XXXX XXXX XXXX XXXX against the consumer