davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (FL)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (NY)

I have a fraudulent account on my credit report, which I reported to CITI CARDS/CITIBANK, yet CITI CARDS/CITIBANK is not removing this fraudulent account. CITI CARDS/CITIBANK has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt. The following is the fraudulent account : CITI CARDS/CITIBANK / XXXX.
Consumer complaint received 2021-09-09
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: EQUIFAX, INC. (TX)

I recently pulled my credit report and noticed that I have been a victim of identity theft. I did not authorize any company/person to pull my credit in regards to the items listed below. All of the following inquiries were not authorized by myself : XXXX reported on ( Equifax ) XX/XX/2020 XXXX/XXXX XXXX reported on ( XXXX ) XX/XX/2020 XXXX XXXX reported on ( XXXX ) XX/XX/2020 XXXX XXXX reported on ( Equifax ) XX/XX/2020 XXXX XXXX/XXXX  reported on ( XXXX ) XX/XX/2020 XXXX XXXX reported on ( XXXX ) XX/XX/2020 XXXX  reported on ( Equifax ) XX/XX/2020 XXXX  XXXX XXXX reported on ( XXXX ) XX/XX/2020 XXXX  reported on ( XXXX ) XX/XX/2020 XXXX  XXXX on ( Equifax ) XX/XX/2020 XXXX  XXXX/ XXXX reported on ( XXXX ) XX/XX/2020 XXXX XXXX reported on ( XXXX ) XX/XX/2020 XXXX XXXX on ( Equifax ) XX/XX/2020 XXXX XXXX on ( XXXX ) XX/XX/2020 XXXX reported on ( XXXX ) XX/XX/2020 A Police report was filed with XXXX COUNTY TX POLICE DEPT
Consumer complaint received 2024-10-20
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (PA)

Synchrony Bank is being discriminatory with my Lowe 's and Sam 's Club credit cards. 
I contacted Synchrony Bank on XX/XX/scrub>/2024 to 1 ) obtain addresses from them to set up bi-weekly payments through my bank and 2 ) make a payment on both cards. 
They never put the payments through. Feel free to ask them for the phone recording. 
By the time my bank set up bi-weekly payments on XX/XX/year>2024, Synchrony had sent me two certified letters to get money for the Lowe 's account.

This bank turned me in for 30 day late to the bureaus.

This bank then lowered my credit limit on Lowe 's, then closed the account, then upped the monthly payments to almost {$100.00} minimum per month just for that one Lowe 's card which is petty.

Today, I just got an email that they lowered my Sam 's Club credit limit too citing " most recent delinquencies '' which is the 30 day late they reported. 

This is retaliatory because I gave them a bad review on the Better Business Bureaus page. 

I have other cards through Synchrony, too, which I'm waiting for their retaliatory proceedings to go to those, too.
Consumer complaint received 2024-10-19
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (OH)

Around XX/XX/year> I started receiving calls and emails about purchases made at XXXX  on my card. I was away on vacation at the time and rushed to call the synchrony to report the unauthorized charges and then called XXXX to see if they could possibly stop the fraudulent orders. The XXXX  representative canceled and refunded the orders but now synchrony is trying to add these charges back to the account for purchases that I didnt make. Synchrony has now said theyve completed two investigations and are saying that I somehow benefited from transactions that were fraudulent but were cancelled before anything else could happen. I couldnt have benefited from a transaction/sale that was canceled. I shouldnt be held liable for a random person hacking in to an online account and making charges
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MA)

So Im supposed to be closing on a A mortgage with XXXX XXXX XXXX, but the underwriter is giving me a problem saying I have active disputes on my credit report which I do not. I called all three reporting agencies to have such disputes removed. All three credit reporting agencies said there are no active dispute or dispute comments, XXXX XXXX services that XXXX XXXX uses is reporting Inaccurate information, causing me delays and possibly not able to close
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

HELLO THIS IS AN ON GOING ISSUE WITH XXXX, AND XXXX PUTTING INCORRECT LATE FEES ON MY CREDIT REPORT ... 3 WEEKS AGO XXXX REMOVED XXXX POINTS FROM MY CREDIT REPORT, FROM XXXXXXXX XXXX WRONG INFORMATION DEALING WITH MY LINE OF CREDIT ... I HAVE NEVER BEEN LATE, THIS WAS A BANK ERROR WITH XXXX XXXX PUTTING ME DOWN BEING LATE FOR 2 MONTHS, XXXX AND XXXX, AFTER ME DISPUTING WITH THE CREDIT BUREAUS AND SENDING DOCUMENTATION XXXX RESTORED MY POINTS BACK AND REMOVED 1 OF THE LATE FEES THEY REMOVED 1 MONTH BUT LEFT THE OTHER MONTH, BUT I NEED XXXX AND XXXX REMOVED, I HAVE PROOF FROM XXXX XXXX XXXXANAGER..THE BANK MANAGER ALSO SEE THAT I WAS NOT LATE FOR THOSE 2 MONTHS IN QUESTION ... IM SENDING THE EMAIL SO YOU CAN SEND TO THE 3 CREDIT BUREAUS, ... I ALSO WANT XXXX TO STOP FLIP FLOPPING WITH MY CREDIT SCORE, THEY TOOK XXXX POINTS 3 WEEKS AGO, GAVE IT BACK 2 WEEKS AGO AND JUST UNDER A WEEK AGO XXXX AGAIN REMOVED XXXX POINTS FROM MY CREDIT SCORE..I WANT IT BACK
Consumer complaint received 2021-09-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (NJ)

The Bureaus are reporting a credit card account to my consumer report and I never gave them written permission to furnish anything on my report. They bought my personal private information from XXXX XXXX  without my consent which is a violation of the Fair Debt Collection Practices Act 15 USC 1692 ( a ).
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (SC)

I contacted XXXX to dispute the inaccuracy and errors of 2 Bankruptcies present on my credit reports. I first contacted the local Bankruptcy court to understand how 2 bankruptcies were reported on public record when I did not complete a bankruptcy. There are 2 bankruptcy months apart which is not feasible in bankruptcy court laws which is a direct indication of error and inaccuracy and clear violation of 15 USC 1681. I was informed by the court that they did not report any information to the credit bureaus. On XX/XX/year> XXXX XXXX conducted its investigation and determined that the bankruptcy filings report data as unverifiable and is in violation of the FCRA and was removed and their files updated. So I am confused as to how XXXX, Equifax and XXXX was allowed without permission from the court or anymore to report this erroneous and inaccurate information. I have disputed the violation with all 3 credit reporting companies with no avail. I contacted XXXX XXXX and they have disputed this information along with a erroneous collection in violation fo 15 USC 1692, but have not received a response from them. The XXXX, XXXX and Equifax are in clear violation the FCRA which allows me to sue in State and Federal Court. If these items are not removed immediately, I will be forced to seek legal redress with the bankruptcy for reporting inaccurate and erroneous information but again they said they do not have a completed bankruptcy on file for me. I need these bankruptcies and collection removed immediately.
Consumer complaint received 2024-10-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

As a Coinbase customer for over a decade, I have done countless transactions with the company, however, last year they decided to restrict my ability to withdraw funds, only allowing me to make deposits. In addition, my Coinbase wallet was also rendered useless. 

In XX/XX/XXXX, my attorney sent a letter to Coinbase 's legal department explaining how I faced improper restrictions on my account, preventing me from transferring my crypto assets despite being a loyal customer since XXXX. Coinbase placed a " withdrawal hold '' on XX/XX/XXXX, extending the holding period to 30 business days and further restricting monthly withdrawals. Despite my full compliance with all verification processes and having no suspicious activity on my account, Coinbase has continually failed to provide any explanation or resolve the issue. After multiple unsuccessful attempts to resolve the matter through Coinbase support ( Case # XXXX ), my attorney demanded that the restrictions be lifted within two weeks, or legal action and arbitration would follow. 

It has been over 7 months and Coinbase has continually ignored our attempts to contact.
Consumer complaint received 2020-11-13
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 — Investigation took more than 30 days
Company: Navient Solutions, LLC. (LA)

I reached out to XXXX  on 2 different occasions about why I didnt receive my dispute results, in the time permitted by law. And was told they were going to send them out in 7 business days. I filed with them on XX/XX/XXXX and here we are XX/XX/XXXX and still no dispute or negative incorrect items removed from my credit report.
Consumer complaint received 2024-10-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OLIPHANT FINANCIAL, LLC (NJ)

To whom it may concern, in XX/XX/XXXX, my father, XXXX XXXX, residing with us at XXXX XXXX XXXX, XXXX, NJ, secured an online personal loan of {$10000.00} from XXXX using my name and personal information without my consent. The funds were deposited into a bank account that my father controlled, and he claimed the loan was his, stating that repayments would be made from his social security and pension. I became aware of unauthorized withdrawals from my account and subsequently placed a stop payment, requesting my father to resolve the issue. This occurred around the onset of the COVID-19 pandemic when collection efforts were minimal. Upon being informed of the debt, I clarified that it was not mine and provided my father 's contact information. Following my father 's passing in XXXX, I considered filing for bankruptcy regarding the XXXX account and others with our attorney, XXXX XXXX XXXX, but opted against it due to the lack of collection activity or legal action for an extended period. My wife is currently involved in an active XXXX  XXXX bankruptcy as of XXXX, and I may also need to file. I have reached out to XXXXXXXX XXXX  to obtain deposit account information, and stop payment request that pertain to the loan. A letter is being sent to confirm that as of XXXX all prior records and transactions where deleted by XXXXXXXX XXXX due to an updated computer system and no information could be found.
Consumer complaint received 2024-11-18
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: BARCLAYS BANK DELAWARE (MD)

I am disputing the accuracy of this account as it appears on my credit report. The balance and charge-off status reported are incorrect, as the account was fully resolved previously. This erroneous information is negatively affecting my creditworthiness, and I am requesting an immediate investigation. Please update my credit report to remove this inaccurate entry and notify me once the correction has been made. It is critical that my credit report accurately reflects my financial history.
Consumer complaint received 2020-11-13
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: CITIBANK, N.A. (NY)

We made a reservation with XXXX XX/XX/XXXX for a trip from XX/XX/XXXX to XX/XX/XXXX We had to cancel XX/XX/XXXX due an accident that required me to have XXXX. 
We informed citibank and sent them proof of our cancellation. 
We did not use paper less banking with citibank at that time .They wrote a letter and posted it on line without informing us via email or mail. They needed more documents which we sent, apparently it was a due date posted which we where not aware of until I called and followed up with them. They now claim they cant help us because we missed the due date, even though they have all the information. The amount was XXXX cents we did receive a credit fro XXXX of XXXX dollars [ damage, security deposit ]. We have spoken and emailed XXXX and citibank multiple times. 
We have been a loyal customer with citibank for 30 years, hard to believe That this is how they treat their customers.
Consumer complaint received 2024-11-18
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: CITIBANK, N.A. (CA)

15 US code 1666B timing of payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637B of this title is mailed or delivered to the consumer not later than 21 days before payment due date CITI, XXXXXXXX, and XXXX are reporting this account as late for XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> and XX/XX/year> I made a request for the CITI CARDS to provide documentary evidence that the periodic statements were mailed or delivered not later than 21 days before payment due due date CITI CARDS failed to provide documentary evidence. CITI Failed to respond at all. 

I made a request to XXXX to provide documentary evidence or have this item changed or removed from my report. That request was denied, nor did XXXX provide documentary evidence. XXXX denied my request. And has failed to remove the inaccurate information I made the same request to XXXX to provide documentary evidence that the periodic statements were sent not later than 21 days before payment due date. XXXX failed to provide documentary evidence. And denied my request. I dispute this adverse action on my report as it is an open end consumer credit plan and should not be reported as late for any purpose. 

I request {$1000.00} per infraction and immediate deletion of this account or this account reported as paid as agreed.
Consumer complaint received 2021-08-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (IL)

Wells Fargo has failed to answer each Fact stated in the Affidavit of Truth they received from me in XX/XX/2021. I never stated I wanted an Affidavit of Truth from Wells Fargo. And I never stated that the Invoice was for violations of the Cease to Desist. The Invoice is for violations in the account that is being reported to the credit bureaus. Please see all documentation previously mailed to you by certified mail on XX/XX/2021 XXXX
Consumer complaint received 2020-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF THE WEST (MN)

I have received the pre-approved credit card offer from Bank of the West XXXX XXXX. The offer was 0 % Intro APR for 12 months on Balance Transfers and Purchases. However, the bank charged the interest rate on my XXXX credit card statement and telling me that the account has no such offering. Instead, the card is offering 15 months balance transfer only. Looking at the offering at here https : //www.bankofthewest.com/personal-banking/credit-cards/cash-back-credit-card.html, it is clearly saying it offers 0 % Intro APR for 12 months on Balance Transfers and Purchases. I've talked to the customer service and supervisor, and they kept asking my pre-approved with the code, which I do not have. I do not think anyone keeps the offer letter like that. Anyway, the act of this bank is deceiving the customer and charge the fee to the clients. Please audit this bank, and I do believe that this is definitely violating the law.
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

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.

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 2020-11-28
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLY FINANCIAL INC. (AZ)

- I am current on my loan ( got a deferment but paid it back ). 
- My credit history is XXXX - Yet on XX/XX/XXXX2020 I lost my job due to Covid and therefore am asking the original bank : ALLY to lower rate ; to allow me lower payments ; as every other bank is offering. 
- Applied with FULL 84 pages of documents on XXXX/XXXX/2020. As of today XXXX 2020 I Still have NO REPLY. 
- Have called in over 15 times, as " the portal all the representatives tell you to use '' does not work. So I call in and get told we NEED one more piece of documentation - over 15 times. 
- They refuse to allow you to speak or even email the underwriters. Yet while I was applying for the Original mortgage had one dedicated rep I could communicate with. 
- On XX/XX/XXXX rep told me YES they had all the documents and I would have word within 30 days. Waited till XX/XX/XXXX and called in again. Again told to go to website. Told them it does not work. He then read to me the Underwriters notes : ' that all the documentation ' was TOO OLD, I would have to start all over again.
Consumer complaint received 2024-11-03
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. (FL)

In accordance whit the Fair Credit Reporting act XXXX XXXX XXXX XXXX has 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 XXXX It also states a consumer reporting agency can not furnish a account without my written instructions