davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2023-09-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP (NY)

I thought i was purchasing a product from a legitimate site. This site ended up being a Phishing site and Fraudulently charged my card 3 times in the amounts of {$99.00}. The merchant statement came from XXXX XXXXXXXX XXXX XXXXXXXX through XXXX on my bank account. 

This happened XX/XX/2023 and i filed XXXX disputes with Key bank on XX/XX/2023. 

After multiple rejections and working with their executive office " XXXX XXXX and XXXX XXXX '' i was given a formal denial in XX/XX/2023. I was told to contact the merchant, which does not exist. 

The executive office of key case number is : XXXX the Fraud Dispute numbers are : XXXX XXXX XXXX Shortly after this happened my card was completely compromised and used out of state, which i had to request a new card.
Consumer complaint received 2023-09-12
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL (IN)

I have credit protection on my several of my synchrony bank credit cards. I filed a claim for a benefit event date of XX/XX/XXXX for XXXX for COVID XXXX and treatment XXXX XXXX XXXX because I was out of work it was approved after the company giving me a runaround making XXXX XXXX fill out several forms, and asking for information. I filed another claim under XXXX for a event date of XX/XX/XXXX for XXXX XXXX deficiency that caused me to be out of work over 90 days. XXXX XXXX submitted a letter stating that I was still under care for being treated for this condition as well as XXXX XXXX XXXX the form required stating that my release of care was XX/XX/XXXX. After those things were submitted my claim was denied. I requested a benefit analyst to contact me because they stated that the claims were related. This is untrue as they are XXXX separate illiness at XXXX different times. I pay monthly fee as a part of my balance for this services and no one has contacted me. It has been escalated several time with out anything being resolved. They also stated that I did not have a balance on some accounts that supposedly XXXX bank provided them bank statements but I have spoke with synchrony several times and they have confirmed that I did have balances on some of my accounts during that time as of XX/XX/XXXX
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (AR)

A Lexisnexis report has prevented my to get affordable homeowners insurance. I purchased my home XX/XX/2021. There a XXXX insurance claims for my home from the previous owners. I should not be punished with higher insurance premiums or denial of insurance because of claims made by someone else.
Consumer complaint received 2023-09-13
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

I ordered this phone in XX/XX/XXXX. It was marked delivered several days after and I immediately opened a claim with XXXX and XXXX as the phone was not on my porch. Weeks went by and while I was refunded, I was subsequently rebilled by Capital One as the tracking number showed the parcel had been scanned to my regional facility. After a few months -- on XX/XX/XXXX, XXXX responded to my claim and I was able to pick up the device I ordered in XXXX. The issue is however, is that XXXX has locked the phone since I opened a claim and despite opening a dispute with Capital One I am still on the hook for the charges with a device that is unusable. This is my first ever chargeback and was sure that Capital One would have supported me however I must file this complaint due to my thorough dispute claims being ignored. 

-- UPDATE : This device was received on XX/XX/XXXX and it took about 2 weeks for XXXX to initiate a return exception after they realized this was a huge issue. After this, a label was sent to me and I took the device to XXXX XXXX. It was successfully returned to XXXX on XX/XX/XXXX at XXXX XXXX  as you can see from the supervisor 's ( XXXX XXXX ) correspondence with me [ Tracking number XXXX ]. After this was completed, they told me I was responsible for contacting the bank as technically XXXX had refunded me but because I had lost the dispute the money was in control by Capital One. My account was marked fraudulent and I could not communicate with them without using an alternative phone number despite this being my first and only issue with this card in 11 years. I am so frustrated as to how this was able to happen and how out of my hands this is. In the initial dispute with XXXX I still did not have the device in my possession but Capital One refuses to re-open the dispute despite my evidence overwhelmingly showing that the company made a mistake...
Consumer complaint received 2023-09-13
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC (GA)

Since XXXX, been trying to get the title to the tag office. Leased the car from American Car Center and company went bankrupt. Westlake Financial took over payments with no title. Car has never been registered bc of the title. Westlake won't give answers and won't come get the car. Westlake cut the car off and locked it, but we ca n't drive the car. Payments have been made on the car, but no communication on how to satisfy the situation has fallen on death ears to include our local tag office and the state office.
Consumer complaint received 2023-09-12
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: SYNCHRONY FINANCIAL (NV)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of 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 100 % true, accurate & correct. 
XXXX XXXX XXXX XXXX were still showing late payments. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service representative.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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.

has violated my rights. Or a list of inquiries : 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 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

The TransUnion web page XXXX XXXX XXXX XXXX XXXX  for placing Fraud Alerts on my TransUnion account has been non-functional for more than 6 months.

I've called them about the issue, but I still can not place/extent our Fraud Alerts on their web site. I was only able to do so by calling them. I've told them about the issue and the web page is still not fixed. See the attached picture that shows the broken page. It has been so for more than 6 months for me.
Consumer complaint received 2023-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NY)

To : Consumer Financial Protection Bureau ( CFPB ) Subject : Complaint Against Chase Business Account Claim Department in Texas Dear CFPB, I am writing to file a complaint against the Chase Business Account Claim Department located in Texas. Since the beginning of this year, they have been engaging in questionable practices that have greatly affected my business operations. 

My company officially started its commercial activities earlier this year and set up a website, requiring the purchase of various internet-related services. Suddenly, several domestic service providers in the United States, including the Chase Claim Department, seemed to have colluded against me. In the end, I had to set up the website 's server to a company in XXXX to run it normally. They either refused to provide services or, when they did, the services were all open source and were immediately canceled by me. However, they immediately joined forces to siphon funds from my account. This includes clear evidence in the form of emails and receipts showing payments made to the other party. My company has not received a single cent in its Chase account, and they transferred the funds directly to the companies providing the canceled services. 

From that moment on, Chase 's Business Account stopped depositing any payments to my account, and they have been withholding refunds and payments I have made for over a year. Additionally, this Department has colluded with other businesses to steal money from my account. I have provided evidence showing that these businesses did not provide any services, and their services were supposed to be free for 30 days. I only tried their services for a couple of hours and canceled within that timeframe. However, there have been multiple instances where they took my money and refused to refund it. It appears that they are returning the funds to the service providers, and I have been unable to recover these amounts. 

The main reason for these issues is that at the beginning of the year, I started various commercial activities, and I may need to try out new projects. Therefore, I experimented with several businesses, but Chase 's account handling department kept returning my money to the service providers and refused to help me recover it. They seemed to be aiding these businesses in stealing money from my account. This eventually led me to change the server settings for my website to ensure normal operations. 

I kindly request that the CFPB investigate these practices by the Chase Business Account Claim Department in Texas and take appropriate action to rectify the situation. I believe that their actions are unethical and detrimental to my business operations. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after XXXX days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2018-02-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (ID)

On XX/XX/XXXX I filed a complaint XXXX I contested collections under California state code for statue of limitations of 4 years a company response on XX/XX/XXXX PRA agreed to honor my cease and desest all calls and collections and communications to account XXXX on XX/XX/XXXX I received another communication of harrassment from Portfolio Recovery Associates of additional establishment of validity. I request that PRA be fined under state and federal laws and that I be comperstated for being harassed and for mental pain and distress on a senior citizen. amounts owed from XX/XX/XXXX is non collectable under Calidornia code as well as Federal codes. 
Thank You XXXX XXXX
Consumer complaint received 2023-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY (TN)

( XXXX XXXX XXXX ) I applied for a balance transfer of {$6300.00} from American Express to XXXX XXXXXXXX XXXX for the 0 % APR for 21 months. I submitted the application on my phone. Unbeknownst to me, XXXXXXXX XXXX XXXX automatically entered a VIRTUAL NUMBER for my saved American Express  card . XXXX XXXX XXXXXXXX notified me that the transfer can take up to 6 WEEKS. Sometime in XXXX, I called XXXX XXXX XXXXXXXX, they said " It went though. Just give it some more time ''. 

The transfer was approved. I activated my XXXX XXXX  XXXX card. On XX/XX/2023, I noticed an auto-payment of {$220.00} hits my bank account. My full balance of {$6300.00} was still sitting at American Express. I call XXXX XXXX XXXXXXXX again ; we came to the realization that the money went to a number I don't recognize. They thought it could possibly be fraud. I called Amex they said, " No, that's a VIRTUAL CARD NUMBER. You can't transfer money to a virtual card number. You need to call XXXX XXXX XXXXXXXX to transfer the money to the correct account ''. I called XXXX XXXXXXXX XXXX, they say, " this happens more time than you can think. We'll reject that application and resubmit. Give it 6 WEEKS. You can track everything on the online account ''. 

On XX/XX/2023, I logged in to my XXXX XXXX XXXXXXXX online account. I can't see any activity as far as my Balance Transfer. At XXXXXXXX XXXX, I called XXXX XXXX XXXXXXXX. They only see the transfer in XXXX. They say, " I've never heard of a virtual card. You need to call Amex. They haven't sent the money back, it's there. All they have to do is transfer the money from the virtual card to the physical card. They can do that. If they are giving you the run around, have them to call us ''. At XXXX, I called Amex , " Is there a way you can transfer funds from my virtual card to physical card? ". Amex agent says, " We can't see a virtual card on our end, that is only for your eyes. It is for security purposes. You can do it online, because it is for you ''. 

I try to gain access to said virtual card, I can not find it. 

I had a conference call with an Amex agent and a XXXX  agent at XXXXXXXX XXXX. The XXXX agent said- '' I see, in XXXX, there was an appeal to receive that money back to re-apply it to the correct account. Give it 30-60 days ''. 

As a result of this botched balance transfer, I owe both XXXX XXXX XXXXXXXX {$6300.00} and American Express {$6300.00} PLUS the accumulated interests since i can not afford to make payments on two cards.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MN)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Name : XXXX XXXX XXXX # XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2023-09-13
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: EQUIFAX, INC. (FL)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-09-13
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. (FL)

I am writing to inform you of the violation of my rights under 15 U.S. Code 1681c-2 and 15 U.S. Code 1681b, as well as my victimization of identity theft, as documented by an FTC report on file Reference Number : [ XXXX ]. I kindly request your prompt attention to this matter and the immediate removal of the following fraudulent accounts from my credit report. 

Account name XXXX XXXX XXXX Account numbeXXXX REQUESTING REMOVAL OF UNAUTHORIZED INQUIRY XXXX XXXX XXXX Inquired on XX/XX/202XXXX XXXX XXXX XXXX Inquired on XX/XX/2023
Consumer complaint received 2023-09-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CA)

I have been making payments ( either {$50.00} or {$100.00} per month ) since at least XXXX on this loan. My " account history '' on Edfinancial shows NO payments at all on the load. No transactions, no payments. I can't get them to verify why my thousands of dollars haven't been reflected. I also attach tax documents that the company itself sent me showing two years of payments. I need a correct account history reflecting these payments and for my loan amount to be correctly reflected. I can't get any response from them at all, so it's like this money disappears. I can confirm from my bank that the money has been sent ( and cashed ) to the address in the XXXX email attached. Thank you.