davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (GA)

i logged into my Lowes credit card account on XX/XX/2023 to see when and if a payment was due on my account. It was paid in full until recently and was not sure if the few purchases I made were due in XXXX. I was leaving for a trip to NY to deliver my recently deceased spouses ashes to his sister for a final resting place. At that time there was XXXX {$0.00} due and no due date reflected so it wasn't until I returned home and logged into my account to see when the next due date was and what was my available credit limit and found that Lowes/Synchrony Bank is now claiming that my payment is past due! In addition they lowered my credit limit and I was never late any time before. I received no warning of anything due or past due nor was I informed of a credit line decrease. I planned on using my credit card to purchase a new electric water heater as my gas one has become a safety issue and now I am unable to do that. In addition, I contacted XXXX by phone and was outsourced to someone who could not understand me and was of no help. I explained that no payment was due when I accessed my account on XX/XX/XXXX and how could I be past due if no payment was due in XXXX? I also wrote an email to corporate and have had no response. We have a military veterans account and for XXXX to do this is wrong and unfair and people need to be aware of tricky billing and unfair credit line reductions. They also send me daily texts saying to pay at once even though i told them on the phone it would be paid by the XX/XX/2023 2023
Consumer complaint received 2019-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal  so remove it or verify it with the court system. If no proof found, therefore it must be deleted. Chapter   XXXX Bankruptcy : Bankruptcy Reference number : XXXX
Consumer complaint received 2023-06-27
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: EQUIFAX, INC. (AZ)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights, 15 USC 1681 Section 602 states I have 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 student loan account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-08-10
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: TRUIST FINANCIAL CORPORATION (TX)

I sent them a cease and desist letter which they confirmed that they received in XXXX but they still contacted me after receiving the letter by sending me a letters on XX/XX/XXXX and XX/XX/XXXX which are FDCPA violations.
Consumer complaint received 2023-08-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: KEYCORP (OR)

Please refer to the last complaint XXXX On XX/XX/2023, both myself and the owner of XXXX XXXX showed up at Keybank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX WA XXXX XXXX to get our {$3000.00} dollar back. We worked with the banker there, but Keybank fraud department is unwilling to work with us to get our money bank. Keybank required XXXX bank to recall the funds. Both myself and the sender ( XXXX XXXX ) talked to XXXX Bank on multiple occasions. XXXXXXXX XXXX stated the money transfers were verified and that they can not reach out to Keybank because of their policies. Now I understand that Keybank deemed this is suspected fraud from the beginning, but all misunstandings would have been prevented if Keybank did their investigation and reach out to XXXX to verified the transactions, but the process did not get done. 

We can not help but feel helpless that none of the banking institutions are willing to work with us. These are not Keybank or XXXX money, but they are holding our money without providing working solution. We can not help but feel robbed of our hard earn money. 

Both myself and XXXX XXXX are willing to work with Keybank or XXXX to find a solution. XXXX XXXX is willing to talk to Keybank and provide any information that is required I plead to CFPB to investigate this situation and help us find a solution.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MI)

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX COMMUNITY FOCUS XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX COMMUNITY FOCUS XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX SYNCBPAYPAL XX/XX/XXXX CREDIT ACCEPTANCE XX/XX/XXXX TWINS AUTO XXXX XX/XX/XXXX XXXX XX/XX/XXXX FIRST CITIZENS BANK AN XX/XX/XXXX CAP XXXX NA XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX XXXX XX/XX/XXXX CAPITALONE XX/XX/XXXX CAP XXXX NA XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX
Consumer complaint received 2019-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (WI)

I over paid my chase card in XX/XX/XXXX by mistake. I called chase a week later to ask for a refund. I was told at that time the fund would be returned to my checking account electronically.

After waiting several weeks I called Chase again to find out where my money was. I was informed at that time that electronic returns were not allowed, but no one bothered to tell me that or the brain power to just send a check. I was told at that time in XX/XX/XXXX that a check was being sent. 

I called again today and the check still isn't sent out. They assure me it will be, be we will see. 

If I don't pay them on time I get charged a late free. What happens to companies that just decide to keep our money?
Consumer complaint received 2023-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-03-14
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Knight Adjustment Bureau (UT)

We are located at : Knight Adjustment Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX or XXXX Fax XXXX Email sales@knightadj.com The amount of {$560.00} was borrowed from XXXX XXXX XXXX XXXX  on XX/XX/2016. Due to financial shortcomings, the amount was sold to the 3rd party debt collector Knight Adjustment Bureau. On the original conversation, that took place within 6 months after the debt was sold off. Knight Adjustment Bureau demanded {$3000.00} and threatened legal action if the amount was not paid, and did so in a threatful manner. Them, not willing to negotiate, and not having the money at the time, I broke off any attempt to negotiate. Knight Adjustment Bureau, not willing to take " not at this time '' as an answer, they continued to call with -- what I believe to be -- the intention to annoy. Repeatedly calling even after I asked them to stop. It got to the point where I was receiving multiple calls a week, at times may per day. There conversations where very threatful with the intent to harass. All the evidence you need is in the recordings they make of all the phone calls if you can get it out of them. 

CFPB : for any follow up just email me with the email you have on file
Consumer complaint received 2023-08-10
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. (DE)

The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. 
1 ) XXXX is reporting inaccurate information across all 3 BURAUS XXXX XXXX and Experian starting with late payment XX/XX/XXXX late and XX/XX/XXXX late on 2 but 3rd bureau ok never reported under investigation gap on XX/XX/XXXX and XX/XX/XXXX nothing in box date last active all different please remove whole account or show proof of late payment if not update account to ok /good standing asap correct or delete any inaccurate, incomplete, or unverifiable information within XXXX or 45 days of receiving notice of your dispute XX/XX/XXXX
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Neon Newco Corporation (IL)

On Saturday XX/XX/XXXX I received my payroll at XXXX by XXXX the same day someone had gone into my account and withdrew the money ( {$300.00} ). 

This is the second time this has happened in less than a month. 

The prepaid card is Netspend and I also have an online account where I can view all transactions, statement and personal information. The person has there information in this account such as name, address and email address. 

I do not know the individual. I have tried to fix the problem with Netspend to no avail Apparently this seems to be a inside job meaning the person is employed by Netspend..
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

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.

The letters are stated with items and issues.

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 repor

t 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 2023-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

On Friday XX/XX/XXXX, there were 2 deposits made to my checking account. The first one was my payroll direct deposit from XXXX in the amount of {$2400.00}. The second one was a check from my attorney, XXXX XXXX XXXX XXXX XXXX in the amount of {$64000.00} as part of a settlement for an accident that occurred in XX/XX/XXXX. When I deposited a check, I was informed that there will be a hold on it until XXXX XXXX. At that time, I still had available balance of my own funds in approximate amount of just over {$3000.00}. Later that afternoon my kids and I left for a short trip out of town to celebrate my birthday and my child 's graduation. On Saturday XX/XX/XXXX, we attempted to use my debit card at an amusement park. The card was declined. At that time there was over {$2000.00} as available balance after I paid for the hotel and dinner on XX/XX/XXXX. We identified the closest Chase Bank branch and arrived there at XXXX ( 15 min before closing ). That is when I found out that my account was frozen and I was not able to use my debit card or have access to any of my funds, including the funds from my payroll. I was left with no funds. The branch supervisor was able to find a way for me to withdraw some money for the rest of the weekend, so that we could at least finish our mini vacation. I have contacted Chase Bank via phone on Monday XX/XX/XXXX. I was informed that they would remove the freeze by the end of the day. On Tuesday XX/XX/XXXX, my account was still frozen, however it stated that all my funds, including the settlement check, were available for use. I contacted Chase Bank again and spoke with a supervisor named XXXX who stated that my lawyer 's phone number needed to be verified and that he needed to contact them. We then contacted them on a merged call. The issue still has not been resolved. At this point I am not able to pay my bills or have funds for food for me and my children. I am also incurring late payment fees as a result. I was never notified of my account being frozen. I am a single mother of XXXX XXXX recovering from a recent XXXX XXXX  due to that accident. In addition, I came as a XXXX over 32 years ago and worked hard to obtain an education and build a career here in America. I feel that I am being discriminated against as a single income mother of XXXX who comes from an XXXX XXXX. I hope that you are able to assist me with resolving this matter.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them. I urge you to take the necessary steps to rectify this error as soon as possible.
Consumer complaint received 2023-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial XXXX when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2023-06-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

I am writing to file complaint against JEFFERSON CAPTIAL SYSTEMS for their violations of consumer protection laws and misrepresentation of information on my credit report. I request your assistance in addressing these issues and taking appropriate action against JEFFERSON CAPTIAL SYSTEMS : JEFFERSON CAPTIAL SYSTEMS has failed to supply proof under the doctrine of estoppel by silence, as established in the case of Engelhardt v. Gravens ( MO ) XXXX XXXX XXXX. Based on this legal principle, I presume that no proof of the alleged debt exists, and therefore, the debt itself does not exist. I requested that JEFFERSON CAPTIAL SYSTEMS provide me with the completed original contracts, including all endorsements and assignments, pertaining to the account they have reported on my credit report. In the absence of such evidence, I urge JEFFERSON CAPTIAL SYSTEMS to promptly remove all inaccurate or unverifiable information related to the account from my credit report. Furthermore, I request that JEFFERSON CAPTIAL SYSTEMS ceases reporting this disputed information to any third parties immediately. JEFFERSON CAPTIAL SYSTEMS has violated 15 U.S. Code 1692e - False or misleading representations. Specifically, they have committed an act of reporting inaccurate information to the credit bureaus regarding alleged charged-off account, falsely representing them as open balances from the original creditor. It is important to note that charge-off debts must be reported to the IRS on Form 1099-C. Failure to comply with this requirement results in noncompliance with applicable tax laws, rendering such debts ineligible for assignment to a debt collector. Therefore, I request that JEFFERSON CAPTIAL SYSTEMS provide me with the completed original contract, including all endorsements and assignments, pertaining to the accounts they have reported on my credit report, as well as the contract I have with JEFFERSON CAPTIAL SYSTEMS. If they are unable to provide this documentation, I insist that all inaccurate or unverifiable information related to these accounts be promptly removed from my credit report. Additionally, I demand that JEFFERSON CAPTIAL SYSTEMS cease the reporting of this disputed information to any third parties without delay. I want to bring to your attention that JEFFERSON CAPTIAL SYSTEMS have shown a pattern of violating consumer protection laws by purchasing accounts that have been charged off and cancelled by Form 1099-C. I kindly request your immediate attention to this matter and a thorough investigation of the reported violations by JEFFERSON CAPTIAL SYSTEMS. I expect that appropriate actions will be taken to rectify these issues, hold the company accountable, and ensure compliance with consumer protection laws. I appreciate your prompt assistance in resolving this matter. Thank you for your attention to this complaint. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-27
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: EQUIFAX, INC. (PA)

Equifax is in direct violation of my Consumer Rights. According to the Fair Credit Reporting Act as a Consumer I have a right to Fair and accurate credit reporting. As a Consumer I have a right to ask that the consumer reporting agency block inaccurate information that may be the result of identity theft. On numerous occasions Eqiuifax was informed THE FOLLOWING account information being FURNISHED to Equifax and reported by EQUIFAX is in fact inaccurate and they continue to report.XXXX XXXX ( XX/XX/XXXX ). This account is involved in litigation. I have not supplied proof under the doctrine of estoppel by Silence, Engelhardt v Graven ( MO ) 281 sw 715 719 I may Presume that no proofs of the alleged debt, nor therefore any such debt in fact exists. There are inquiries being reported that do not belong to me and they are as follows : XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ). There should be no inquiries.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NM)

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NM, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, NM, XXXX, XXXX XXXX XXXX XXXX, XXXX, NM, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, NM, XXXX, XXXX La XXXX XXXX XXXX XXXX, NM, XXXX, XXXX XXXX XXXX, XXXX, TX, XXXX, XXXX XXXX XXXX, XXXX XXXX, NM, XXXX, XXXX XXXX XXXX, XXXX, NM, XXXX, XXXX XXXX XXXX XXXX, XXXX, NM, XXXX, XXXX XXXX XXXX, XXXX, TX, XXXX