davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Recently, i did an investigation on my credit report which caused XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2022-09-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (FL)

I received a letter with XXXX collection agency names on it. " XXXX XXXX XXXX XXXX " and " XXXX XXXX XXXX, XXXX '' showing a debt that I do not owe from " SYNCHRONY BANK ''. Please remove this from your records as this is not a valid debt. Both the business 's that the debt was aquired from made errors and were fraudalently handled by a phone team of social justice warriors who kept me on hold and never did have the correct amounts. I filed complaints then with attorney and oversite agencies. It was supposed to be dismissed. Farthermore I am inpacted by a natural disaster. Please the statute of limitations is also up on this. The entire fair debt collection practices act was stifled by the original companies vengeful tribal phone team. I saved call recordings and records. But now i have these shady creditors still contacting me at an address thats not even accurate. I want this updated immediately. This is not a valid debt on many levels. Please remove and update all 3 credit agencies as well. Please also provide me a letter stating that the negative reporting has been removed. Not a valid debt. Thank your phone team. Please do this avoid other agency complaints as well as counter suit for such. Please do all this and respond in writing as i can not speak on the phone due to a XXXX. Hurrican Ian is impacting me, luckily while vengeful it seems to be a very weak willed entity. Sticks and stone, toughen up. God bless ; - )
Consumer complaint received 2024-10-23
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)

S

ubject : Complaint Against EQUIFAX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). Account Information : Creditor Name : XXXX XXXX XXXX  Account Number : XXXX Date of Charge Off : XX/XX/2023 Amount : {$1100.00} I have previously disputed the accuracy of this charge off account with EQUIFAX and provided evidence that the information is inaccurate. However, EQUIFAX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. EQUIFAX refusal to comply with this law is a clear violation of my consumer rights.

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against EQUIFAX for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report.

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that EQUIFAX upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NJ)

New Jersey law is as clear as day. Credit card companies are not allowed to have middle of the day deadlines to make payments. This and many other institutions have cutoff times of XXXX  which clearly go against the states policy. Yet when confronted with it they give full of hot air XXXX answers. I paid my balance in full at XXXX  which is after I got home from work. I informed them about the law and the basically scoff at it like Im a a moron. They hire people that dont understand or research the law. They dont have anyone intelligent get back to you. Ive been charged this fee at least 5 times. I do not care about their policy. New Jersey law is clear. I live on a budget with a XXXX XXXX. I pay my bills especially credit cards on the due date to make sure I have money for her needs. Im tired of this company and their ignorance. And yes after multiple attempts to make them understand I reacted less than acceptable.
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-10-04
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lockhart, Morris & Montgomery Inc. (FL)

Lockhart Morris & Montgomery contacted me abou a {$120.00} medical bill they received from XXXXXXXX XXXXl date of service XX/XX/XXXX. 

I thought the debt was resolved because I was referred over to the hospital from the Veterans Administration under their XXXX XXXX. They were to pay the bill. The hospital was billing me and I referred them to the VA. I also had the VA rep to reach out to billing department. After that I hadnt heard anything until 5 years later. 

XX/XX/XXXX. Once I received the letter I called and the woman said either pay or we will report you to the credit bureau. I told her I needed to contact XXXX VA because I thought it was paid. Only a few days after me receiving the letter and speaking to the woman I received an alert that a collection item was added to my XXXX XXXX account. 

I called XXXX XXXX and disputed it and they instantly removed it. Then I got an alert a few days later that it was reported to XXXX. So I disputed it again. 

Then on XX/XX/XXXX they lady from this company called me to say they received a dispute from XXXX and she wanted me to know that I still owe them the money. I dont even know these people. This is harrassment. 

First I thought this was resolved 5 years ago and these people seem desperate to collect before new laws go into effect beginning XX/XX/XXXX about medical debts under {$500.00} not being reportable. 

Again this is not my debt. I have good credit and do not have collections on it. They tried to ruin it to strongarm me into paying a bill that was billed incorrectly by the hospital.
Consumer complaint received 2022-10-04
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. (IL)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 u.s.c 1681 section 602 A. States that 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 instructions
Consumer complaint received 2022-10-04
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. (IL)

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 u.s.c 1681 section 602 A. States that 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 instructions
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I told XXXX, XXXX, and Equifax to reinvestigate this account. XXXX XXXX XXXX XXXX Acct # XXXX. However, they stated everything was complete and accurate. But how is that if the last date of payment is wrong? The balance is incorrect. I never received the XXXX insurance money back or credited to the account. The date of the last activity and much more are wrong. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C.1681 Section 602 A states I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2. states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing the following information items. Any other adverse item of information, other than records of conviction 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 Also, they aren't even in compliance with XXXX XXXX credit XXXX XXXX I have evidence to prove my case
Consumer complaint received 2022-10-04
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. (IL)

FOR : XXXX XXXX XXXX ( Closed or open ) In conjuction with XXXX CFPB complaints Under the law/following : Reporting my transactions or experience ( utilization ) FCRA 15USC 1681a 2A *The need of your written consent to report Anything and your right to privacy 15 USC 1681b Permissible Purpose of Consumer Reports ( a ) ( 2 And Damages/Defamation of character/ Negligents 1.Civil liability damages violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ] My late payment ESPECIALLY since it was and is the one and only on my entire report legally should not be on report.nor should the details of our agreement. If you feel this is an error and the violations don't pertain to you please send me a letter in details explaining why or...
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

I recently filed a dispute with fingerhut and after they so called verified the information they changed my report to show XXXX XXXX late and a recent late XXXX on Equifax and XXXX. I never made any payments on this acct because I dont remember having a acct with them. This acct is over 7 years and shouldnt even be on my reports.
Consumer complaint received 2024-10-24
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. (TX)

Consumer Name : XXXX XXXX XXXX Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX. XXXX XXXX XXXX Original creditor : XXXX XXXX {$1300.00} XXXXXXXX XXXX XXXX XXXX {$65000.00} XXXX. XXXX XXXX {$77000.00} XXXX. XXXX  XXXX XXXX {$14000.00} XXXX. XXXX  XXXX XXXX {$20000.00} XXXX. XXXX  XXXX XXXX {$8600.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2022-10-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (OR)

Citibank decided to close my checking account. And they won't say why. That I don't care about so much. Each bank has it's risk department and that is fine. What I do have a problem with is they are saying the funds in the account are not mine. Which is not true. That money was transferred from MY XXXX  XXXX account into the Citibank account. So the fact they are trying to keep the money means they are trying to steal from me. It was a very simple ACH transfer from MY account at XXXX XXXX to My account at Citibank. I would like this dealt with asap as I'm trying to start a business and literally every dollar matters. I don't have {$170.00} to just give to Citibank. And they won't provide any account documentation. They offered no appeal process. And I'm pretty sure the phone rep called me a XXXX. So also XXXX. I want this dealt with immediately and I want my money back plus interest. This is very quickly going to turn into a lawsuit if not dealt with properly.
Consumer complaint received 2024-10-24
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. (CA)

While checking my most recent credit report, I noticed a credit inquiry that I did not recognize and did not authorize anyone to pull my credit report. The inquiry was made by the company listed below : Bank : XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX XXXX Date : XX/XX/year> Please validate the info with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security Number. Please note that you have XXXX  days to complete this investigation, as per the Fair Credit Reporting Act section 611. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within XXXX ( XXXX ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Consumer complaint received 2022-09-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (FL)

During 2021 Suntrust placed me on Lender Placed Insurance ( LPI ) because I did not have Flood insurance.

I provided proof of coverage as this is my second mortgage and had it through my primary mortgage company. I provided the proof to Suntrust and they waived the fee. Since then they have transitioned to Truist and have been charging me again for LPI since. I've tried calling them almost once a week and showing up at a branch office to no avail. Truist refuses to remove the LPI because they advise it is showing as a fee on the insurance department side. When I ask the billing they say it came as a fee but should be LPI. The two departments do not share system or communicate. Even the notes on my account are segregated which is causing issues. 

They have advised that since it transitioned from Suntrust they are not responsible in the insurance side to solution the incorrect billing. When I speak to the billing department they advise this is a specific insurance issue. When I try to get them both on the line, they advise they are unable to wait to connect because of a 20 minutes hold company policy. 

Right now this is impacting my ability to get loans because it looks like I have a XXXX $ payment on a XXXX loan, which is absurd. 

At this point I don't know what to do. They have changed their entire insurance department and made this entire process very difficult to even speak to an agent so this is my last resort. 

I have Truist financial institution incorrectly billing me for something they should not and they refuse to remove the charge. Can someone please help me?
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (AZ)

NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ISSUES : ID FRAUD FAKE CREDIT CARDS STOLEN CREDIT CARD BANK ACCOUNT THEFTS XXXX XXXX RETIRED MOTHER with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX = HOME XXXX = CELLULLAR May use other ID 's such as ..... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX began creating false credit cards at XXXX XXXX XXXX XXXX XXXX has created other false accounts in thee name of XXXX XXXX XXXX, All of thee references may be found within XXXX XXXX XXXX XXXX US CREDIT REPORTS. 



XXXX XXXX XXXX XXXX  credit report has DROPPED from XXXX to XXXX. 


I, XXXX XXXX XXXX need HELP from thee FEDERAL GOVERNMENT. 

PLEASE HELP MYSELF. 


I, XXXX XXXX XXXX was threatened by XXXX, if I reported her son 's crimes, she would KICK MYSELF OUT of her home. 

XXXX was my FATHER 's wife before he passed in XXXX. 

XXXX removed my name, XXXX XXXX XXXX from thee HOME TITLE and placed her XXXX sons names on everything she had possession of in XXXX XXXX XXXX and XXXX XXXX XXXX XXXX name. 

XXXX XXXX XXXX has already referred myself to a XXXX XXXX in XXXX. 

XXXX was thee XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX was thee parent who enrolled her son XXXX XXXX XXXX in thee XXXX XXXX XXXX  of XXXX, XXXX, but not herself. 


XXXX XXXX ABUSED myself during the time period of when my FATHER began cheating on herself involving himself with other women in thee XXXX XXXX  AREA. 


I, XXXX XXXX XXXX do not need XXXX XXXX. XXXX should have kept her own son XXXX in XXXX XXXX. 

So many FEDERAL LAWS have been broken by XXXX XXXX son, it is her fault for removing him into the public atmosphere. 


XXXX XXXX XXXX XXXX Chase Bank Credit Card was stolen during thee time period of XXXX. 

By the way, same year XXXX XXXX XXXX stole XXXX XXXX XXXX XXXX Chase Bank Credit Card in XXXX. 

A credit check must be requested with all THREE BRANCHES of these agencies. 

I pray that thee XXXX  sends and submits my complaints this time. 

By thee way, if the XXXX  FAILS, my mailing address is ..... 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THANK YOU, for your assistance. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-28
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (PA)

I was recently the victim of fraudulent charges on my card and have tried to contact the Way2Go customer service multiple times but it is impossible to get a live person. After entering my social security number it just keeps telling me that my new replacement card was issued and will be mailed shortly and then hangs up. I have been trying to dispute the charges but I can not get a person on the phone to speak to them.
Consumer complaint received 2022-09-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken ()

On or around XX/XX/2021 I fell victim to scam operations run by XXXX XXXX which involved me making deposits for a total amount XXXX XXXX from my XXXX XXXX XXXX XXXX wallet accounts to Kraken at the instruction of the scammers. 
Given that their client owner of wallet :. XXXX Was an active participant in the movement of my money, which eventually ended up wth the company, Kraken have not exercised their duty to identify this suspicious scheme in a timely manner. 
Kraken should have reported this activity as it no doubt involved money laundering. 

When I sent a complaint to Kraken they would not take any action and told me to file a police report and ask law enforcement officials responsible for this investigation to contact them directly. I am therefore doing so and ask your assistance in resolve this issue. 
I am available to provide more information as needed.
Consumer complaint received 2024-01-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (VA)

I woke up one morning to multiple notifications from my bank on my cellphone that my transactions for {$20.00}, then {$19.00}, then {$18.00}, etc. were all approved and charged as a payment on XXXX. I do not have XXXX and never have. I immediately froze my card on my bank app and then the transactions afterwards began to decline. I noticed that the person committing the fraud then attempted to charge {$1.00} ( most likely to see if it was blocked or if the funds were used up ). I called my bank when they opened and reported fraud. They initiated an investigation and asked if I had contacted the vendor. I told them yes, but that the vendor was not helping at all and refused to do anything about it or escalate it. The bank investigated and refunded me the fraudulent charges. I called again today many weeks later to XXXX after I found the possible name of the person committing the fraud as my bank put the name on the transaction. The XXXX representative again was unhelpful and claimed that nothing could be done about the fraud and that they don't really do anything about that and to deal with my bank. This has been on the news about lawsuits, fraud, abuse, etc. of this company and their ( in many people 's opinions ) enabling of money laundering and illegal activities exploiting innocent people who fall victim. The government must investigate and either shut these people down out of business or fix this issue. I am writing to my senator and congressman soon. I will not stop and I am exploring my legal options with the evidence that I have so far. Enough is enough!