davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-15
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: Chime Financial Inc (FL)

I was legally withholding rent in FL due to an uninhabitable rental unit. My landlord fraudulently charged my credit card for my rent. He did not have my authorization and has created a fraudulent document to say he had my permission. It does not have my signature or my initials and I had never seen it before my bank showed it to me. It was a fraudulent charge and my bank chime has stood behind my landlord in keeping the rent money. I ended up terminating my lease that same month and had every right to withhold my money. Ive never paid rent with a credit card its not even listed as a way to pay it on the lease. I never lived in the unit during the month in question. I am getting no where with Chime.
Consumer complaint received 2021-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA (CA)

Hello, I signed up for an apple card in late XXXX ( XXXX ) using a promotional link to receive {$50.00} in Daily Cash when you spent {$50.00} at XXXX XXXX gas stations with Apple Pay within the first 30 days of being a new cardholder. This is my first apple card as I have never had one before. I made 2 charges at XXXX XXXX pumps using Apple Pay with the XXXX app totaling {$87.00} in the month of XXXX, clearly within the stated time frame to receive the promotional reward. The transactions are even marked as " Promo Daily Cash '' on my XXXX statement. All I got was 3 % cashback for the transactions. Here is the pertinent info taken directly from my XXXX statement regarding this issue : XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA USA 2 % {$0.00} {$37.00} Promo Daily Cash 1 % {$0.00} XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX 2 % {$0.00} {$49.00} Promo Daily Cash 1 % {$0.00} Total Daily Cash this month {$2.00} Total charges, credits and returns {$87.00}
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CT)

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.

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 2022-10-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Simon's Agency, Inc. (PA)

On XX/XX/2022, I also submitted a debt validation dispute letter to SIMON 'S AGENCY INC. via certified mail : XXXX pursuant to rights under the Fair Debt Collection Practices Act. See Exhibit 1 SIMON 'S AGENCY INC. failed to respond within 30 days of receiving my debt dispute letter which would have been XX/XX/2022. Now the disputed accounts are now deemed invalid. 

On XX/XX/2022, I mailed SIMON 'S AGENCY INC. a notice informing them of their failure to validate the alleged debt and that they were in violation of my rights under the FDCPA. See Exhibit 2 SIMON 'S AGENCY INCXXXX still failed to provide proof to validate the alleged debt. SIMON 'S AGENCY INC. never provided a Letter of Sales agreement, an assignment agreement from the original creditor and never provided a copy of the original contract with my signature on it for none of the disputed accounts. 

On XX/XX/2022, I reported the furnisher and the disputed accounts to the Federal Trade Commission via a Identity Theft Report report number XXXX. I then got my official identity theft report notarized on XX/XX/2022. See Exhibit 3 On XX/XX/2022, I submitted an Identity theft dispute to XXXX. I provided XXXX with proof that I previously been in contact with SIMON 'S AGENCY INC., proof of my identity, proof of my social security number, proof of address along with a copy of my notarized FTC Identity theft report. See Exhibit 4 Then on XX/XX/2022, XXXX sent me results XXXX weeks later stating " IF ACCOUNT WAS OPENED AS A RESULT OF IDENTITY THEFT, THE CREDIT GRANTOR MAY NOT KNOW HOW TO CONTACT YOU TO DISCUSS THIS MATTER. THE CREDIT GRANTOR REQUESTS THAT YOU CONTACT THEM DIRECTLY .... '' See Exhibit 5. SIMON 'S AGENCY INC. already knew how to get in contact with me. 

After failing to validate and verify the disputed accounts, SIMON 'S AGENCY INCXXXX has continuously attempted to collect the invalid and unverified disputed debts by reporting it to XXXX and XXXX.
Consumer complaint received 2021-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (CA)

I mailed out a debt validation letter to DICOVER requesting for them to validate the alleged account ending in XXXX They responded by sending me a copy of 6 months of statements. Pursuant to Generally Excepted Accounting Principles they have to prove the money left their account if they gave me a loan and they did not provide any information showing the funds actually left their account. The statements provided violate 15 USC 1692j because I entered into a consumer credit transaction w DISCOVER which no cash what is supposed to be excepted by the lender. DISCOVER is in violation of 15 US C 1605. A finance charge is the sum of all charges in a consumer credit transaction and it does not include cash. DISCOVER in fact took cash as shown in the attached labeled exhibit. I have found 36 protected consumer right violation under 15 USC 1692 and USC 1605 that I have presented as exhibit w a signed affidavit of truth. I also have a recession letter exercising my right to rescind pursuant to 15 USC 1635. XXXX XXXX is in violation of 15 US C 1611. XXXX willfully and knowinly failed to provide and disclose information required under the provisions of 15 USC 1601. They are now criminally and civilly liable. I have mailed attached documents to XXXX as well.
Consumer complaint received 2022-12-29
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: EQUIFAX, INC. (DE)

" XXXX XXXX XXXX '' continues to report on my credit profile. I have sent disputes directly to them and have not received any response far past the 30 days stated under the FCRA. Furthermore, they failed to provide me my XXXX authorization consent as well as failed to : -Validate the alleged debt - Provide breakdown of fees including any collection costs and medical charges. 

-Provide a copy of my signature with the provider of service to release my medical information to you. 

-C

ease any cre dit bureau reporting until the debt has been validated by me. -Explain and show me how you calculated what you say I owe. -Provide me with copies of any documentation that show I agr eed to pay this debt.
Consumer complaint received 2021-08-24
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. (CA)

On XX/XX/XXXX, after reviewing my consumer report, I was made aware that Inquires that do not belong to me are on my consumer report : After Finding I Do Not Consent To, Authorize, Nor Benefit From Any Of The Following Inquiries. I also filed an Ftc Identity Theft Report To Have Them Blocked & Removed. This report has been sent to Equifax over 30 days ago, and the inquires have not been removed. This information was sent via certified mail along with a green return receipt. An employee of Equifax accepted my dispute package by XXXX XXXX, & XXXX XXXX. The inquires in question are : XXXX XXXX- XX/XX/XXXX XXXX XXXX/XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX US SMALL BUSINESS ADMIN ODA- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-04-18
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. (NY)

XXXX XXXX XXXX and XXXX XXXX are not my acount and have been reporting over 7 years. I never had these accounts. My parents passed away during this time and i wasnt working. How could I get a credit card? I reported ove 100 ftc reports the.banks are ignoring me. This is against my fair rights. They are threatening me. They both said my credit will continue to me ruined until I pay them. Its not there problem This account was closed on XX/XX/XXXX XXXX XXXX Last reported XX/XX/XXXX {$820.00} Reported XXXX XXXX limit {$500.00} You're using 165 % of your account 's limit OVERVIEW Credit limit {$500.00} Minimum monthly payment {$0.00} Opened PAYMENT HISTORY Last payment XX/XX/XXXX Payment status -- Amount past due {$820.00} Worst payment status No Info This account was closed on XX/XX/XXXX XXXX  XXXX XXXX Last reported XX/XX/XXXX {$930.00} Reported balance Credit limit {$700.00} You're using 134 % of your account 's limit OVERVIEW Credit limit {$700.00} Minimum monthly payment {$0.00} Opened XX/XX/XXXX XXXX XXXX yrs, XXXX mos ) PAYMENT HISTORY Last payment XX/XX/XXXX Payment status -- Amount past due {$930.00} Worst payment status No Info ACCOUNT DETAILS Account status Closed Type Credit card Responsibility Individual Remarks Charged off as bad debt Canceled by credit grantor Times XX/XX/XXXX days late XXXX Closed XX/XX/XXXX CONTACT INFO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2021-08-19
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: EQUIFAX, INC. (LA)

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC
Consumer complaint received 2021-08-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (CA)

I have an account on Paypal since like XXXX  for buying and occasionally selling legally No chargeback, complaints or whatsoever My account was verified by them and abide the laws or policy but then XX/XX/XXXX I got an email that my account is permanently limited without any reasonsMy paypal account is very helpful as attached some subscriptions payments that can enlighten or entertain my daughter and family during this pandemic..Please see attached photos that I never had any case opened since I use paypal and no other suspicious activity..It is not fair that paypal just shut down the account without any violations.. 

Paypal email account : XXXX Name : XXXX XXXX
Consumer complaint received 2021-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

This Credit Reporting Agency has continues to show little to know respect for the law.0n XX/XX/XXXX I filed a complaint with your organization requesting that Equifax be in compliance ( file number XXXX ) Equifax requested that I send identification info, I provided them with this info on 4 separate occasions and when they finally responded they ask for the same info again. So on XX/XX/XXXX I sent Equifax another compliance letter with the requested info and on XX/XX/XXXX I receive another request for the same info, The continue to use stall tactics and report inaccurate information on my report.The also have refused to send me an current and up to date credit file,
Consumer complaint received 2021-01-21
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. (CA)

Due to me being a victim of identity theft I spoke with XXXX XXXX XXXX on XX/XX/2020, I spoke with XXXX at XXXX on XX/XX/2020, and i also spoke with XXXX at Equifax on XX/XX/2020 about the unauthorized accounts that appears on my credit report I request the following accounts to be delete and removed off my XXXX credit report : Doing the trouble sometime, when acquiring funds to sustain everyday life is crucial, These unauthorized accounts has severely hindered me.
Consumer complaint received 2023-09-17
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: Experian Information Solutions Inc. (GA)

These companies are being reported as hard inquires on my credit report, and I do not recognize, nor have I given consent to any of them to pull my report. According to the consumer laws for my protection the following companies must provide documented proof with my signature on it stating that I authorized and provided consent for the hard inquiry. If they fail to provide this documentation, then XXXX, Experian, and XXXX must remove these inquiries from my credit reports. 
XXXX. XXXX XXXX XXXX. XXXX XXXX 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 2021-08-24
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. (FL)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored for my disputes. Section 611 ( a ), its plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-01-23
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. (TX)

XXXX XX/XX/XXXX To Whom it may concern, ATTN Fraud  Department : Remove fraudulent accounts from my credit report Dear Sir or Madam : I was recently a victim of identity theft. I filed a report with the credit bureaus and also with the FTC and my local police department. These fraudulent accounts appearing in my credit report were deleted. But I woke up this morning to find out that an additional new collections account was placed in my credit report. This account wasnt on there at the time I filed my FTC report and contacted the credit bureaus. It looks like this is one of the fraudulent accounts that was just sold to another collections company. This account is fraudulent, and I dont know where it is coming from. I have never received any services from this company. Please delete and block. There are also some fraudulent inquiries still appearing in my report. I HAVE ATTACHED A SUPPLEMENTAL FTC AFFIDAVIT WITH THE SUPPLEMENTAL INFORMATION HIGHLIGHTED. Thanks Fraudulent Collection Accounts : Name of Institution Account Number Date Opened XXXX XXXX XXXX   XXXX XX/XX/XXXX Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. 

Yours Sincerely, XXXX XXXX
Consumer complaint received 2019-11-06
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. (NJ)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2021-08-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (OR)

On XX/XX/222021 we bought a Netspend card in XXXX XXXX, NV for the amount of {$500.00} because we didnt know we couldnt use cash to buy a plane ticket back home to Oregon. No banks were open at the time ( XXXX ) to find a sister bank to our credit union that we use. Card was immediately declined even though it said we could use it immediately but when i tried to use the app to activate it, i had to call and do an identity check which wouldnt be available until Monday we had our child to get back to that day so a family member helped us. Called Monday, we thought we forgot to grab the receipt in XXXX as it was a chaotic morning and were told we had to go back to XXXX to get the receipt even though i had verified my identity again to the person I was talking to. They closed our account and said they would send us a check with our {$500.00} no problem. And to wait 6-8 business days. We waited two weeks and still nothing. We called and they told us they sent it on the XXXX of XXXX but would send another. We finally found the receipt stuffed in our luggage bags and called again because as of now, XX/XX/XXXX, we still have not received anything and we have tried being patient despite struggling. So we called and they said they didnt know what we were talking about and said no check was ever sent or they have no record of it??? They didnt ask for proof of the receipt and still havent even though we have it now. We spent time being shuffled around talking to random departments just for them to say oh I cant help you with that and transferred again. Eventually one guy said that we have to wait for confirmation which doesnt make sense since they claim they already sent the check but now deny that. We even asked if since we have the receipt now if we could just use the card that we received in the mail and they said we couldnt since the account was closed in XXXX so why wasnt our check sent in XXXX when out account was closed??? They are just going to steal our money. This has caused us substantial hardship as we needed some of that money for other things not just tickets and its been nothing but a headache and Im XXXX XXXX from XXXX  as we are getting more and more behind on our bills. That was our hard earned money from working, NOT gambling. Netspend has not been helpful at all, they havent reached out to us on their own other than to verify identity in the very beginning.
Consumer complaint received 2021-08-24
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: EQUIFAX, INC. (PA)

Hello again, and to whom it may concern, I'm still having difficulties with Equifax regarding inaccuracies on my credit report. I've sent out multiple letters asking for the details of the investigation regarding how they " verified '' an account that clearly isn't mine and its been past 30 days and I'm not receiving anything through the mail, email, phone call nothing. I know they received my letters by now and it's almost XXXX and I sent these disputes out the XXXX week of XXXX. Please help me because they are not taking my situation seriously and their ineffectiveness to report 100 % accuracy on my credit report is not only hurting my credit but its causing me to have to pay higher interest, I can't get approved for home or car loans, can't obtain new credit etc. I'm ready to file a complaint with the XXXX XXXX XXXX if this keeps up.
Consumer complaint received 2021-08-19
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (AL)

synchrony bank has closed 6 out of the 7 account i have opened, yet then keep extending credit to me with excellent payment history, why would they close them. Their ramifications will destroy my credit, yes it is in their T & Cs but they lioterally closed all of my accounts with EXCELLENT PAYMENT HISTORY, and close all the accounts due to high risk is XXXX. Please reverse these changes. THE FCRA SHOULD BE IN SHAMBLES ABOUT THIS. CLOSING ALL OF MY ACCOUNTS DUE TO RISK YET EXTENDING CREDIT TO SOMEONE WHO IS A " RISK ''. I AM WANTING TO SUE SYNCHRONY FINANCIAL. They will get their money, but not their business. they have screwed my credit now with closing 6 out of 7 accts. my AAoA will plumet and my credit card utilization will skyrocket in debt, yet i make my monthly payments on time.