davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NV)

I apply for an Amazon credit card and went through a process to where I had to do a XXXX minute video of my face online through that process. I also had to photograph the front and back of my driver license and it wanted to know the state where II apply for a Amazon credit card and went through a process to where I had to do a XXXX minute video of my face online through that process. I also had to photograph the front and back of my driver license and it wanted to know the state where I receive my driver license, and then I had to process all of that and send it with that. I received a passcode and a phone number to call when I called that number the person on the other end requested my passcode that I received after taking the photograph and my phone number and home address, and my Social Security number, they put me on hold and came back online and said I was approved for a Amazon secured card and I asked what does that mean and what is that because I applied for Amazon credit card they said I wasnt approved for Amazon credit card because of my credit history, so therefore, I was approved for a Amazon secured card with a passcode giving to me for transaction proval then I was ask or was told too deposit {$100.00} as of today as we speak on that card that I was approved of. I said I didnt have it today maybe on the first of next month they didnt approve of that they sent if I did not have the XXXX XXXX today or next month they will have to cancel I said with that being said, go ahead and cancel everything delete all my personal information and etc.. I reporting this because I felt like I dont know if they were legit or illegal but they have all my information and I wanted to report that just in case Technicality to follow behind this transaction
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I trust this communication finds you with a sense of urgency commensurate with the gravity of the matter at hand. I am XXXX XXXX, and I am writing to you with profound distress regarding alarming inaccuracies entrenched in my credit report. I have recently submitted a formal complaint to Equifax, a prominent consumer reporting agency, detailing the egregious discrepancies provided below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inaccuracies not only cast a dark shadow over my financial stability, particularly in my pursuit of securing a home loan, but they also represent a blatant violation of my rights safeguarded by the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681C-2 ( A ) and 15 USC 1681b ( 2 ).

Allow me to underscore the critical legal provisions anchoring my dispute : 15 USC 1681C-2 ( A ) : This section expressly mandates consumer reporting agencies to conduct a meticulous reinvestigation of disputed information within 30 days of receiving notice.

15 USC 1681b ( 2 ) : This provision restricts the disclosure of consumer reports without the consumer 's consent and establishes the legal foundation for my expectation of accurate and verified information in my credit report.

The persistent existence of these inaccuracies, in stark violation of the FCRA timelines, constitutes a direct infringement of my consumer rights. I want to bring to your attention the Metro 2 compliance standards, which mandate accurate and timely reporting of consumer credit information. The blatant disregard for Metro 2 compliance in this case further intensifies the severity of the situation.

I have explicitly demanded Equifax rectify these inaccuracies within a four-day timeframe, as mandated by the FCRA and Metro 2 compliance standards. Failure to adhere to these guidelines will be considered a severe violation of federal law, encompassing identity theft and fraud. I am compelled to seek your immediate intervention to ensure Equifax takes swift and decisive corrective measures.
Consumer complaint received 2023-06-29
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-12-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NM)

Wells Fargo consistently picks and chooses what they will allow to come through when my balance is insufficient and is usually the higher dollar amount rejecting the lower dollar amount and then assessing multiple overdraft fees wiping out my check. I authorize overdraft for emergency situations when I need groceries or other items and I am short on funds but feel that Wells Fargo is in violation and using the higher amounts coming through to ensure their overdraft fees knowing I am unable to come up with the amount. Allowing one to come through, rejected two then allow another high amount to come through. My account is {$390.00} in the red with 3 overdraft fees assessed after allowing a large phone payment, a loan at {$100.00} to come through yet rejecting payments on loans while allowing the subscription fee to come through. I am sick of large overdraft due to how they choose to process and am looking to get a new bank as I now won't have money to pay bills that I needed paid this payday due their processing. This has to be illegal as I would never agree to allow {$200.00} + to be approved in just a few transactions and XXXX + overdraft. The extra day grace period is a joke as I can't come up with over {$200.00} between pay days and they know this. I am done and want this resolved. XXXX XXXX was willingly done on my part due to the threat of cancellation XX/XX/24 {$170.00} as it wouldn't be that much over, however they allowed XXXX XXXX charges to come through {$23.00}, {$13.00} and {$29.00}. An amount of a loan {$100.00} on XX/XX/24 and {$5.00} membership fee for XXXX yet rejected the repayment of {$53.00}. Recently allowed XXXX XXXX through for {$7.00} when my balance in the red over {$300.00} due to the XXXX {$35.00} fees assessed for the membership fee, XXXX and the {$100.00}. also rejected XXXX for {$55.00}. This is not good practice and they know a customer can't come up with that amount between pay days.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAINE & WEINER COMPANY, INC. (MD)

I am in process of purchasing a home and have found multiple accounts under my name that I had no knowledge of. I did have to get my bank account updated several times due to identity theft. After denying the said accounts, the companies not only not provide accurate information proving the account to be mine, but failed to show investigation evidence of doing so. This is defamation of character.
Consumer complaint received 2023-12-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

This notice is to inform you that you unlawfully reported fraudulent INQUIRIES that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

The Following Inquires are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately :
Consumer complaint received 2023-06-29
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$770.00} XXXX  XXXX XXXX Balance : {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$70.00} DP OF EDUC  XXXX Balance : {$560.00} DP OF EDUC XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-11-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

1. On XX/XX/2023 between XXXX XXXX - XXXX XXXX Pacific time I deposited {$1900.00} in my credit card account by the Bank of America ATM at the XXXX XXXX branch , state of California, zip code XXXX, ATM ID - XXXX. 

2. The ATM has aten {$1800.00} and returned {$100.00}.

3. The ATM did not give any receipts or options for receipts.

4. I have called the number shown on the ATM to report a problem which is XXXX. 

5. I had to wait by the ATM for around an hour just wait for a response from the call.

6. Case ID reference XXXX has been created by the phone by a worker named XXXX. I have been told it because it is Friday it will take up to 3 business days to reflect in my account, however, it did not reflect in my account. 

7. I went to the same brunch and the worker from there had to call and been told still would take time to be resolved and that they could see there was an open case. 

8. On XX/XX/2023 I contacted my bank by a phone call from XXXX XXXX - XXXX XXXX and another Case was created by a worker named XXXX case ID XXXX. XXXX has told me that the previous worker did not complete his job and that's why It did not reflect in my credit card account and that the previous worker should not have mentioned to me that it would take around three business days to solve this issue because it will take up to two billing cycles to be investigated and corrected. 

9. On Sunday XX/XX/2023 I have received a letter in the mail from Bank of America that indicates they have completed their research on the ATM payment that I have asked about and according to the letter " Thank you for the information you have provided. Unfortunately, we didn't find a cash payment for {$1800.00} on XX/XX/2023 at the ATM you indicated. '' 10. On Sunday XX/XX/2023 at XXXX XXXX I contacted bank of America again waited for an hour just to be answered, then the employee XXXX had to put me on hold to reach the management, then she told me that she has submitted all the informations that I have provided to her and the back office who take care of the ATM payments are not working in the weekends and for that reason she is not able to give me a Case ID number. she has stated that if I want to get the Case ID number then I will have to call back the next day which is Monday, XX/XX/2023. Also, she mentioned that this time it will be rushed and it will take up to 3 business days to get a respond.
Consumer complaint received 2023-06-29
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose
Consumer complaint received 2023-06-29
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. (MS)

In accordance with the fair credit Reporting act XXXX XXXX Account # XXXX XXXX XXXX XXXX has violated a my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for 98. % purpose.
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

NAME : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX NY XXXX Email Address : XXXX You are In Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX ), has violated several of my rights.

15 U.S.C 1681 section 602. A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update & REMOVE this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-06-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WI)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2023-06-29
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. (TX)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$4200.00} USDA XXXX Balance : {$4600.00} XXXXXXXX XXXX XXXXXXXX Balance : {$3900.00} XXXX XXXX  XXXX Balance : {$2900.00} XXXX XXXX Balance : {$75.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX  XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022.
Consumer complaint received 2023-08-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (OH)

In the attached document is the certified letter sent to SERVE American Express per the address given in the " closed my account '' email I received on XX/XX/XXXX ( also in the attached document ). This letter was sent on XX/XX/XXXX and signed for on XXXX XXXX XXXXXXXX is the tracking number from USPS ) The information provided will describe that Serve has closed my account for what a merchant said was fraudulent activity. This is totally inaccurate and I have been unable to have access to my {$2500.00} that they have been holding since XX/XX/XXXX. 

About my 4th follow-up with SERVE, I again followed up at XXXX, on XX/XX/XXXX, at XXXXXXXX XXXX  since I had not heard anything from the company since they received my letter. I was on the phone for 45 minutes and spoke with XXXX and then a supervisor named XXXX. Both of them entered an email to be sent to the review team. XXXX let me know someone would be getting back with me on the XXXX or XXXX of XXXX. XXXX specifically entered the details that are attached. He could not see details nor see that a certified letter was entered into my record. 

There is still no response from SERVE on the XXXX so I phoned again, the XXXX number and immediately asked for a supervisor. XXXX, said there is nothing she can do accept wait. I can no longer wait for the {$2500.00} that is mine that I have no access to get or see. Thankfully, XXXX ( mentioned in the attached ) was able to confirm there is still {$2500.00} in the account, although that was over a week ago. 

I would be most appreciative for some help with this matter. Thank you.
Consumer complaint received 2023-06-29
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. (TX)

This is a formal complaint reporting the fraudulent accounts I have discovered on my credit file, which have been reported by the three major Credit Reporting Agencies. The following accounts are in no way associated with me. I recently received a copy of my credit report and was shocked to find several accounts that I did not open and have no knowledge of. After conducting research on how to remove fraudulent accounts from my report, I learned that I need to visit the Federal Trade Commission ( FTC ) or their website at XXXX : XXXX to file a report. According to the Fair Credit Reporting Act ( FCRA ) section 605b, Credit Reporting Agencies are required to remove or block any accounts listed on an identity theft report. I have neither received any money, goods, nor services as a result of this fraud, nor have I authorized these accounts. Therefore, I urgently request that these accounts be promptly disassociated from any affiliation with me : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$610.00}. According to FCRA Section XXXX ( a ), the Credit Reporting Agencies are required to block any information in the file of a consumer that the consumer identifies as information resulting from an alleged identity theft. This blocking must be done no later than XXXX business days after the date of receipt.
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-29
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX Balance : {$0.00}