davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-17
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. (MI)

I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as I requested. I also asked the company if they were even licensed to collect in the state of Michigan, they refused to answer. I have never done business of any kind with this creditor, this account is a violation of my consumer protection 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 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 2023-08-17
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)

Dear Sir, I am writing to bring to your attention an issue I've been facing regarding an unauthorized hard inquiry on my Equifax credit report, dated XX/XX/2023, allegedly initiated by XXXX XXXX 

I took the initiative to engage with a representative from XXXX XXXX to address this matter. So they confirmed that I do not have any active products or affiliations with their institution, making this inquiry entirely unwarranted. 

Subsequently, I completed the dispute form provided by Equifax, requesting the removal of the unauthorized inquiry from my credit report. Regrettably, I received a response after a week indicating that their decision was to maintain the inquiry unchanged. 

Dissatisfied with this outcome, I reached out to an Equifax credit report representative, who advised me to take the necessary steps by filing a complaint with the FTC XXXX Federal Trade Commission ). Following this guidance, I am currently in the process of fulfilling the FTC report requirements. 

I am writing to kindly request your assistance in resolving this matter once and for all. It is my fervent hope that you can intervene and facilitate the removal of this unjustified hard inquiry from my credit report. I understand that your expertise and influence in this area can greatly expedite the resolution process. 

Thank you very much for your attention to this pressing matter. Your prompt assistance will not only alleviate the stress I've been experiencing but will also reinstate my confidence in the credit reporting system. I eagerly await your favorable response. 

Best Regards, XXXX
Consumer complaint received 2024-10-06
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: Global Lending Services LLC (GA)

Global lending services shows XXXX accounts on my credit reports. These accounts are reported inaccurate on my credit report and the company is still attempting the contact, demand, and withdrawn funds from a personal account after being notified to cease all contact and that these transactions were not authorized by me. Account last update XX/XX/year>.
Consumer complaint received 2023-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (ID)

I live in XXXX, Idaho. Chase Bank says I used my debit card at a XXXX ATM at XXXX XXXX XXXX XXXX XXXX Pa on XX/XX/2023. I and my debit card were on an Alaskan cruise when this happened. When I got my paper statement in the mail, I saw that charge for {$300.00}. I immediately called my bank cancelled the debit card and ordered a new one. Chase has sent me " proof " after their " investigation '' that I used my card ... All it is, is a transaction number, there is no other information. What I found out with my investigation is that the transaction was at XXXX XXXX This ATM is in an office building that is closed from XXXX to XXXX. I have asked Chase numerous times to show me proof it was me, the pin # and the video of the person who used my card. They refuse. I believe this was a mistake on their part. Why would someone go through the trouble of stealing my info, creating a debit card ( and how could they know my pin? ), did they check the balance before proceeding? That should be in their records, and they only used it once to take out {$300.00}? I didn't cancel my card for probably 2 weeks, because I didn't notice it until the statement came and I was checking everything. You would think they would have done a lot more damage, there was {$45000.00} in my checking account at the time. When I contacted XXXX, they said they can't give me any information either.
Consumer complaint received 2018-03-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (LA)

I have never done business with Security Credit Services and I have mailed in disputes to the company twice, both the company and Credit Bureaus never provided me with a signed contract with my signature. A collection bill is a not a validation and I have the right to provided with proof and with no proper proof I need this removed from my credit reports.
Consumer complaint received 2024-10-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (NE)

This is my second complaint, they have yet to respond to my first one, after getting an extension and that time being exceeded. 15 U.S. Code 1692c ( c ) of the Federal Fair Debt Collection Practices Act ( FDCPA ) states that a debt collector must stop communicating with a consumer if the consumer requests in writing that they do not want to pay the debt or that the debt collector stop contacting them : The debt collector can still inform the consumer that they are ending their efforts or that the creditor or debt collector may use certain remedies A consumer 's failure to dispute the debt 's validity can not be used by a court to infer that they are admitting liability
Consumer complaint received 2023-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (GA)

I transferred over the entire balance of my other CC to Citi XXXX XXXX XXXX after an attractive introductory consolidation rate and after having an issue with a returned payment from my XXXX XXXX account, Citi has shut down access to online and app based banking features making visibility into the cards balance as well as ease of access to make payments near impossible. Do to their global team of customer services reps who don't understand or can communicate complex questions or issues in basic English they were of little to no help. After calling 5 times and eventually getting transferred the US based AE at CITI they proceeded to put sole responsibility into the determination of the account into there " Back office operations, ' and when it came to process of filing an internal complaint about the account closure they were only able to give me a XXXX XXXX in South Dakota with XXXX insights into who the make the letter in attention to and how to word or phrase my concerns to be addressed.
Consumer complaint received 2023-08-17
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (IN)

I have a synchrony care credit card, max charge is {$1000.00}. 

I used the card at vet offices from XXXX to XXXX. 

My total was around {$900.00} spent. I havent used the card since then. Synchrony does automatic 6 months 0 % interest for any charges over {$190.00} However you can not designate money to go to those 6 month promotional charges until after making a payment, calling the company and designating that money to a specific balance. Which roughly takes 35-45 mins. 

Not a huge deal, as I thought Id only pay interest on whatever is remaining. However they back date to the original purchase amount and charge you interest on the entire purchase amount which is extremely misleading. 

After 8 months of payments, my balance has only increase and now my card is maxed out. Despite paying on time, I tried to resolve this with synchrony as I didnt get the option to opt out of the 6 months and was only now made aware of how to pay down a certain promotional balance, which takes 30-45 mins of time to complete. Which is completely unacceptable. 

The fact that I have made {$600.00} in payments, and my balance has only increased.
Consumer complaint received 2023-08-15
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 (GA)

I am a victim of identity theft I have about XXXX inquiries that I don't recognize on my credit reports. XXXX or XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX and XX/XX/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 instruction 15 U.S.C 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a customer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-05-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (IL)

You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!
Consumer complaint received 2023-08-15
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. (GA)

Recently I have been given information from a legal service about my consumer rights provided by and through Title 15 USC. Through this code I discovered that the credit bureaus Equifax, XXXX and XXXX ( herein after CRAs have violated several rights and in doing so have publish, sold and used my personal, private and nonpublic information without my authorization or knowledge. 
According to USC 15 1681 Permissible Purpose of Consumer Reports it describes what is allowed in terms of a consumer report. These are clearly covered in ( a ) " General '' and is limited to " ... and no other ''. It list that a consumer report is available via ( 1 ) a court, " subpoena '' and ( 2 ) " in accord with written instructions of the consumer ... '' and " no other '' The remainder of this section is only applicable unless/until the consumer provides " written Instructions '' In other words a CRA needs explicit written instructions from me the consumer before it can use, sell report or in any way create a " credit profile on me the consumer. And they are not allowed to used, sell provide or report my nonpublic information, they have done so and without my authorization. I am demanding the CRAs produce a certified copy of any such consumer " written Instructions '' they allege I the consumer have provided. 
In addition The CRA 's are required to provide me the Consumer with a written opt out option. This has never been provided to me, if the CRAs claim different I demand they produce a certified copy of any such " opt out form ( s ) Nothing in any of this consumer 's credit report or any information listed in any reports files or documents held by any CRA was authorized by me and has been created by a third party and possibly the CRAs and is fraudulently obtained and qualifies as identity theft.
Consumer complaint received 2023-08-17
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to formally dispute and bring to your attention multiple violations of consumer protection laws that have adversely affected my financial well-being and peace of mind. It has come to my knowledge that several creditors have engaged in practices that violate established laws designed to safeguard consumers ' rights and ensure fair financial transactions. 

Unauthorized Inquiries : XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Billing Errors and Accounts in Violation : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX These actions have had a significant impact on my life, causing undue stress, XXXX, and financial hardship. [ Share a brief and factual personal story here about how these violations have affected you emotionally and financially. Keep it concise and professional. ] I kindly request your intervention and enforcement of the legal protections afforded to consumers under the relevant laws, including the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Specifically, I urge you to take the necessary steps to ensure that the aforementioned unauthorized inquiries are promptly removed from my credit report and that the billing errors in the identified accounts are rectified in compliance with the applicable laws. 

I appreciate your attention to this matter and request that you communicate with the respective creditors to address these violations and take appropriate corrective actions. Please provide me with updates on the progress and resolution of these issues within a reasonable timeframe. 

Thank you for your dedication to upholding consumer rights and promoting fair and transparent financial practices. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Kikoff Inc. (CA)

This bank has shown continuously they can not keep my money safe and the time they require to fix the issue is both unfair and unacceptable. Blocked my old card for security reasons and a merchant was still able to get a hold and charge of the new one ; and I have not even received it yet. They take no accountability, hung up and have given me the run arounds so much. Demanding over 60 days to resolve an error on their part. All calls to make it right has been futile. All questions as to how a merchant was able to charge a card I have yet to receive. I just want my money back in XXXX timely fashion. I do not have the luxury to wait for months for them to fix an issue they let get out of hand
Consumer complaint received 2023-08-15
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: DISCOVER BANK (KY)

I used my Discover Credit Card to purchase an engine from XXXX XXXX XXXX XXXX, of XXXX, FL, in XX/XX/2021. It never arrived and we never received it. I called the company and they sent me an emailed account form that says Discover voided the sale. I submitted proof to Discover of this document. They, without any explanation, refuse to defend that it was paid to the merchant because either Discover or the XXXX XXXX XXXX is committing fraud. Discover is supposed to protect me from the fraud either way. They dont want to make it right. I have filed multiple disputes and sent correlating documents many times and made many calls to Discover to no avail. They even refuse to respond to the voided sale document to defend if they paid in my behalf, as it would be an admission that a conflict exists that needs rectified. They have the copy of documents and continue to send me denial letters without any defense at all. I am seeking legal counsel. Discover was paid by me in good faith the full amount of {$1200.00}, as they billed me for it. 
I should be reimbursed by Discover and if they actually paid XXXX XXXX XXXX XXXX, they should seek reimbursement. If they didnt pay XXXX they need to reimburse me either way. Once legal fees come in, I will seek other damages. 
I want every regulator/ agency involved that this falls beneath their scope of authority.
Consumer complaint received 2023-08-15
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. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX SSN : XXXX DOB : XX/XX/XXXX I am writing to formally dispute and request enforcement of my legal rights regarding certain accounts on my credit report. The inaccuracies and unverified information on my credit report have had a profound and distressing impact on my life. I am seeking your assistance in rectifying this situation and ensuring that my credit report accurately reflects my financial history. 

I am deeply concerned about the violations of the Fair Credit Reporting Act ( FCRA ) that have occurred as a result of these inaccuracies. Specifically, the following accounts have been reported inaccurately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Account number : XXXX  The inaccuracies in these accounts have led to significant distress and frustration in my life. For example, [ share your personal story here about how the inaccurate credit reporting affected your ability to secure a loan, rent an apartment, or pursue a major life goal ]. These difficulties have taken an emotional toll on me, impacting my mental well-being and causing undue stress during already challenging times. 

Given the apparent violations of FCRA, I humbly request your intervention to enforce my legal rights. I kindly ask that the Consumer Financial Protection Bureau work to ensure that these unverified and inaccurate accounts are promptly removed from my credit report. This will not only alleviate my emotional distress but also restore my ability to pursue my life goals without the unjust burden of inaccurate credit reporting. 

I have taken all necessary steps to address these issues directly with the credit reporting agencies and the respective creditors involved, but I have not yet achieved a satisfactory resolution. Therefore, I am turning to the Consumer Financial Protection Bureau for assistance in resolving this matter. 

Thank you for your attention to this important matter. I appreciate your commitment to ensuring fair and accurate credit reporting, and I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-15
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. (GA)

I have submitted my first round of dispute letters on XX/XX/2023 and I have not received any formal response from from any of the 3 bureaus. When I pulled up my recent credit report, the items disputed were still there. My personal information is incorrect, and accounts on my credit report are still showing inacurate reporting. Please help me get these accounts deleted.
Consumer complaint received 2023-01-02
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)

In accordance with the Fair Credit Reporting act XXXX  Account name : XXXX and XXXX Account # XXXX, Account name : XXXX XXXX XXXX  Account # XXXX, Account name : XXXX  XXXX Account # XXXX, Account name : XXXX XXXX  Account # XXXX, Account name : XXXX  Account # XXXX, Account name : XXXX XXXX XXXX  Account # XXXX, Account name : XXXX  Account # XXXX XXXX Account name : XXXX Account # XXXX, Account XXXX : XXXX XXXX XXXX  Account # 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 a account without my written instructions
Consumer complaint received 2023-08-15
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. (IL)

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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.

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 Code 1681b in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting.

agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.