davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I have MULTIPLE issues with Equifax to provide. 

1. I sent Equifax the required documentation pursuant to 15 USC 1681c-2 ( a ) and they decided to completely ignore what I sent and stated that they were " factual ''. They also told me that I would have to reach out to the " creditors '' directly when it the FCRA CLEARLY states otherwise.

2. I sent Equifax MULTIPLE letters requesting that they update the date of birth they had listed for me as it was inaccurate and they were actually sent ID to prove that what they had on file was incorrect. It took me filing a complaint through the CFPB for them to update the information. 
3. I opened a disputed with Equifax in reference to XXXX XXXX XXXX and they stated that the account was a matter of " factual record '', but they never provided me with the description of the investigation AND when I pulled my most recent consumer report, that item is no longer on there. They failed to notify me of the reinvestigation results. 

Equifax is clearly showing that they are not willing to follow their grave responsibilities pursuant to the FCRA and they will do it at the consumer 's expense. They have violated my rights more than ONCE and the above listed occurrences are just a FEW. As a consumer reporting agency, you have assumed a vital role and you are continuing to fail. You were never provided written instructions to furnish my report, but yet, you are doing so inaccurately and obtaining money for doing it.
Consumer complaint received 2022-08-29
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: SYNCHRONY FINANCIAL (NC)

Put a credit freeze on my credit report because i thought something was going on look at it and i see hard inquiries that i didnt make and i call them and ask where was they from and they said they cant verify or not so it stays on my report and thats not fair because i dont know any of those companies. Thats what happened when i got in contact with XXXX
Consumer complaint received 2022-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (TX)

Hello, I closed my Barclays Arrival XXXX XXXX XXXX XXXX on or about XX/XX/2021. There was a balancing remaining on the account that needed to be addressed. I called Barclays and we reached an arrangment that saw credits of {$150.00} and a payment by me of {$5.00} to zero out the card. When I made the {$5.00} payment, Barclays inexplicably assessed a late fee of {$2.00}. Barclays continued to assess fees, interest, late payment penalties, and minimum charges to the account after our arrangment unbeknownst to me, and Barclays started reporting my account as delinquent. I have been denied financing at the best rates and my credit score has been ruined.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 an 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. 

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 2022-07-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (CA)

THESE ITEMS NEED REMOVAL IMMEDIATELY COLLECTIONS *XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX ) = {$860.00} XXXXXXXX XXXX  - ( Date Opened XX/XX/XXXX ) = {$510.00} XXXX XXXX  - XXXX Date Opened XX/XX/XXXX ) = {$440.00} XXXX  - ( Date Opened XX/XX/XXXX ) = {$500.00} *XXXX - ( Date Opened XX/XX/XXXX ) = {$930.00} XXXXXXXX XXXX - ( Date Opened XX/XX/XXXX ) = {$510.00} XXXXXXXX XXXX XXXX XXXX ( Date Opened XX/XX/XXXX ) = {$310.00} INQUIRES XXXX XXXX XXXX ( Date Opened XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX - ( Date Opened XX/XX/XXXX ) XXXX XXXXXXXX - ( Date XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX - ( Date Opened XX/XX/XXXX ) XXXX XXXX XXXX XXXX- ( Date Opened XX/XX/XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX - ( Date Opened XX/XX/XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX - ( Date Opened XX/XX/XXXX XXXX XXXX XXXX - ( Date Opened XX/XX/XXXX ) XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX XXXX - ( Date Opened XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (OH)

This is my second attempt to have incorrect items removed from my credit report. The accounts listed below are being reported inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA : XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX Name ID # XXXX, ( XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (FL)

I, am that I am, the consumer in fact, natural person, original creditor, lender, executer, administrator, holder in due course for any and all derivatives thereof for the surname/given XXXX XXXX XXXX and I have been appointed and accepted being the executor both public and private for all matters proceeding, and herby claim that I will d/b/a XXXX XXXXXXXX XXXX  XXXX, and autograph as the agent, attorney in fact, so be it. 

Whereas I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following fact, so be it, now present. 

Fact, The Truth in Lending Act is intended to inform consumers about the cost of credit. 

Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. 

Fact, Affiant is aware and has proof in attachment labeled as exhibit A that XXXX XXXX  XXXX XXXX XXXX is in violation of 15 U.S.C 1605 ( a ) ( c ) This transaction includes a finance charge, and the finance charge includes insurance which protects the creditor against the obligor loss and or property damage. 
XXXX XXXX XXXX XXXX XXXX did not include my insurance in my finance charge, instead they requested an insurance policy to satisfy the requirements for the use of the credit extension. 

Fact, Affiant is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXXXXXX XXXX XXXX is in violation of 15 U.S.C 1605. A finance charge is the sum of all charges in a consumer credit transaction, and it does not include cash. XXXX XXXX XXXX XXXX XXXX in fact required a down payment and took cash in the amount of {$12000.00} dollars. The finance charge listed is not the total of all money paid for credit ; it excludes the interest paid over the life of the loan and all processing charges. The annual percentage rate is not the true rate of interest for money or credit available to the borrower. The annual percentage rate was not calculated using the total finance charge ( including all extra fees ). 

Fact, Affiant is aware and has proof in attachment labeled as exhibit A, B & C XXXX XXXX XXXXXXXX XXXX XXXX is in violation of 15 USC 1611. XXXX XXXX XXXX XXXX XXXX XXXX willfully and knowingly failed to provide/disclose information required under the provision of 15 U.S.C 1601. They are now civilly liable and criminally liable.
Consumer complaint received 2024-10-08
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (MO)

Chase offered XXXX bonus for booking through them. Points were to be awarded within XXXX weeks if travel. I booked and finished travel XX/XX/year>. I have called in 3 times. The first XXXX times I was told I qualified and would be receiving the points. The second time I was told the promo was XXXX weeks after their promotional period ends and to wait longer. The rep also refused to give me an email or phone number to continue to escalate. He refused to address the promo language and told me marketing sent this even when I referenced their marketing material. Chase is refusing to honor their own marketing promotion and misrepresenting their marketing material.
Consumer complaint received 2020-07-16
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: EQUIFAX, INC. (AZ)

As of today 's date, XX/XX/XXXX ; Equifax shows a credit score for me of XXXX after it went down by 20 points, due to spending on my credit limit. However, XXXX shows a credit of XXXX, XXXX shows a credit of XXXX ; and both of the latter credit bureaus show an increase in credit score while Equifax, which shows zero collections always shows a decrease. Additionally, XXXX shows only a 29 % use of credit, while Equifax shows 40 % I have attached all 3 credit reports and proof of payment for XXXX -confirmation # XXXX ( receipt was not sent, yet ).  There is ZERO uniformity between credit reporting agencies, and there's no accountability for credit bureaus on how they report our credit. 

How is there a 23 point difference between XXXX  and Equifax and 38 point difference between XXXX  and Equifax ; when I have collections on XXXX ( 2 of 3 have been totally paid off as of XX/XX/XXXX )?
Consumer complaint received 2016-08-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (OH)

I have lost over XXXX employment opportunities because of Equifax reporting inaccurate/unverified information on my personal credit file. There erroneous reporting of account XXXX for the last few years I have been denied credit over and over again affecting my everyday life tremendously in a very negative manner. I have a family to support and because of this I am unable to obtain credit in areas to improve our life. 
I have contacted Equifax over 20 times regarding this and they rudely discard and ignore not doing anything. Please help, do something about these XXXX. - XXXX XXXX
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Williams & Fudge, Inc (IL)

I have an outstanding balance with my School University of XXXX  XXXX XXXX. They sent my account to the collections agency William and Fudge. I called the agency PRIOR to my account reporting negatively to the credit bureaus. I was informed by me setting up this payment arrangement, that it would not report. However, here we are weeks later, I have been making consistent payments and in the middle of trying to buy a home, my credit has been DEDUCTED XXXX points because of this. This is very upsetting, I tried to discuss this with the collection agency, but received many vague answers. Please help me.
Consumer complaint received 2020-07-16
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. (NC)

In Late XX/XX/XXXX, i requested my report from Equifax, XXXX  and XXXX. Upon reviewing my reports, i noticed multiple errors and inaccurate information reporting on all three reports. On XX/XX/XXXX, I mailed letters to 2 of the 3 credit reporting agencies, by certified mail ; disputing erroneous items and inaccuracies due to it affecting my life financially and i requested validation of the debts with documentation to prove i am liable for these debts and i also requested that if they could not validate these debts that they delete them from my file. I am unable to receive the help i need due to the negligence of these companies. I received confirmation from both credit reporting companies that my disputes had been received. XXXX  confirmed receipt on XX/XX/XXXX and Equifax confirmed receipt on XX/XX/XXXX. I received correspondences from both Equifax and Experian before the 30 day expiration but it was not of the items i had disputed. They both provided me with a updated report with the same inaccuracies on it. XX/XX/XXXX, i sent another letter to each credit reporting agency certified, letting them know how they failed to investigate my disputed items and provide me with validation of the debt. They took no action at all on either of my disputes. XXXX  confirmed receipt on XX/XX/XXXX and have yet to respond as my credit report still has them erroneous items on it. And Equifax confirmed receipt on XX/XX/XXXX and restarted the original investigation giving me another 30 days for me to wait on another investigation due to their negligence. The FCRA does not say credit reporting agencies have 60 plus days to investigate, however it does state that credit reporting agencies have 30 DAYS to investigate erroneous items disputed. IF they are unable to validate the debt during that period of time, the disputed items must be removed or i am able to take legal action and receive up to 1000 per disputed item. I retain all records, and communication with all the credit reporting agencies and am fully prepared to take legal action if this is not corrected.
Consumer complaint received 2024-10-02
Product: Credit 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: CITIBANK, N.A. (NC)

Dear Citibank Support Team, I am writing to formally dispute a XXXX XXXX XXXX transaction for {$78.00} that first appeared on my Citibank credit card on XX/XX/XXXX. This charge was contested as fraudulent because my card was compromised and used without my permission, yet my credit card was not closed following the dispute. It is important to note that best practices in fraud cases recommend closing compromised cards to prevent recurring fraudulent charges. Citibanks failure to do so left my account vulnerable. 

On XX/XX/XXXX, the same unauthorized {$78.00} charge reappeared on my account. Under the Fair Credit Billing Act ( FCBA ) and other relevant consumer protection statutes, Citibank is obligated to block reoccurring fraudulent charges once it has been made aware of unauthorized billing activity. The fact that the merchant was able to re-bill my account despite the initial dispute indicates Citibanks failure to take appropriate action to protect my account from further fraudulent transactions. 

Again, on XX/XX/XXXX, I was billed a third time by XXXX XXXX XXXX for {$78.00}, even after disputing the XX/XX/XXXX charge. This demonstrates negligence on Citibank 's part, as I had already notified the bank of this issue. Under the Electronic Fund Transfer Act ( EFTA ), Citibank is required to investigate and prevent recurring fraudulent charges after receiving notice from the cardholder. By allowing the fraudulent charge to reappear, Citibank has not complied with these statutory obligations. 

I have attached a statement where Citibank declared the {$78.00} charge valid, yet the bank has been unable to provide any documentation to substantiate this claim. As per the FCBA, Citibank is required to supply documentation validating disputed transactions, which has not been done in this case. 

I am requesting that Citibank correct my account balance to reflect {$0.00} and reverse the {$78.00} charge. According to the terms of my cardholder agreement, I am not responsible for fraudulent transactions, and I expect Citibank to resolve this issue in accordance with applicable laws and regulations.
Consumer complaint received 2022-07-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: DISCOVER BANK (MI)

XX/XX/2022 - Discover Online Checking account opened by applying, Uploaded completed Requested ID Verifying Notarization. Specialist reviewed doc and successfully opened account. 
- Discover Bank inquired on my XXXX consumers report. Personal info & no prior client reports on record. 

XX/XX/2022 - Account was placed on hold & Funds Frozen. 
Phone rep requests a photo of my State Issued government ID card, SSC, Birth certificate, & IRS 1040 be uploaded via their sites secure Doc upload for ID Verification. 
* All were submitted Same Day. 

between the XXXX to the XXXX Ive been on 10 hour hold times unable to reach security specialist. 

XX/XX/2022 - Security Specialist phone rep was reached and she reviewed the uploads and determined my account successfully Verified. She then immediately removed hold and unfroze funds. 

- Only 10 minutes after that I was logged out of my online account and had a Hold/ Freeze placed again. I called back only to be informed my account was in the process of being closed due to being an At-Risk Customer per Company decision . 

After 4 days of complaints from myself Ive acceptance the fact that the banks policy states it may close an account for no reason needed. 

My issue/ Complaint is Why am I not allowed to retrieve my funds ( cash/ check ) at their singular available U.S Branch location per several reps. 
Instead must wait XXXX weeks to have it mailed to me. They state its their policy and it takes weeks to close it then months to send it. Ive informed them that I would like to close my account then immediately so I may get my money quicker, They state its not how it works.

WHY Was my account closed only after a specialist unfreezing it after reviewing requested documentation to only have it eventually frozen and in closing within 10 minutes. And why am I not able to go to the branch and pick up my money like any other bank why are they freezing my funds from me for an unreasonable amount of time and being very shady.