davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 



1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent. 



2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements. 



3. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action. 



I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY (NY)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 



TD BANK NA XXXX
Consumer complaint received 2024-09-18
Product: Credit card — General-purpose credit card or charge 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 (MI)

I bought a package of socks at XXXX for {$9.00}. The clerk convinced me to open a charge card. He did not explain that this was not a XXXX card, but was from Synchrony Bank. 

When I received the first statement, it was over {$300.00}. 

Synchrony Bank resolved XXXX charge, but refused to resolve or investigate the other ( for about {$120.00} ). They have been dunning me for this change and adding interest charges. They refuse to investigate the original charge. 

They are ruining my credit rating with their refusal to investigate this fraudulent charge.
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$2700.00} XXXX XXXX XXXXXXXX Balance : {$2700.00} XXXX XXXX XXXX Balance : {$2700.00}
Consumer complaint received 2024-08-15
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: Fidelity National Information Services, Inc. (FNIS) (PA)

I am a victim of identity theft. Someone tried to apply for multiple account using my information. XXXX system report has multiple fraudulent items from name, addresses and inquires. I contacted XXXX and they refuse to conduct a through investigation without a CFPB report. 
Fraudulent Name : XXXX XXXX Fraudulent Addresses : XXXX XXXX XXXX XXXX XXXX Pa XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX Fraudulent Inquires : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

On XX/XX/year> I was involved in an accident XXXX XXXX XXXX XXXX, which was insured by XXXX XXXX XXXX XXXX and financed by Bank of America ( BOA ) Account # XXXX. My XXXX agent contacted BOA, who sent a payoff letter on XX/XX/year> to XXXX. The payoff letter did not state that the settlement amount would expire. On XX/XX/XXXX, XXXX sent payment of the amount stated in the payoff letter to BOA. 

Throughout the history of this vehicle loan with BOA, my payment has never once been late and I always pay additional principle with the regular payment. 

On XXXX XXXX, 2024 I received a letter from BOA saying I still owed them {$170.00} with interest accumulating daily - because, they claim, the payoff check mailed from XXXX, XXXX  on XX/XX/XXXX did not reach BOA until XX/XX/XXXX and the payoff quoted to us on XX/XX/XXXX was no longer the payoff amount. Further, I did not receive notice about this until a full month after BOA decided I owed them money. 

Included in the letter I received from BOA on XXXX XXXX was information that this past due amount ( which I did not know was " past due '' ) was being reported to the XXXX major credit agencies. This causes a bigger problem for me, other than the obvious unscrupulous business practice : I'm actively engaged in trying to purchase a condo and move to the city where my health care team is located, and this will affect my credit score, which as of earlier in XXXX, was XXXX. In today 's interest environment, even the slightest impact to your credit score can cost you XXXX  of dollars over a 30-year period. 

A XXXX representative and I talked on the phone with XXXX XXXX XXXX at BOA - telephone # XXXX. He offered no proof that BOA did not receive this payoff until XXXX, almost XXXX weeks after it was mailed in the US, nor could he provide any reason that given the impact this could have on my personal creditworthiness, BOA did not attempt to reach out to me or XXXX by a more immediate method, waiting a full month before notifying me of this debt and knowing FULL WELL that my insurance was paying off the loan after the vehicle was determined XXXX XXXX XXXX.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (NY)

My credit report shall not reflect transactions made between consumers and the person making the credit report. This is in violation of the FCRA 15 USC 1681a ( 2 ) ( A ) ( i ) My credit report shall not show charged off accounts having a balance. This is in violation of the FCRA 15 USC 1681a ( 2 ) ( A ) ( i )
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused XXXX XXXX to my XXXX, my XXXX my mode of living and to my XXXX! I demand the late payment reported in XXXX days to be removed. They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a XXXX  to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! XXXX XXXX XXXX ( a ) Time to make payments A XXXX may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the XXXX  has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is XXXXXXXX XXXX XXXX and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advanced Resolution Services Inc. (CA)

Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX with Social Security Number XXXX resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, submit this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/1998 2. Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3. Security Freeze Request : I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
4. Attached Documentation : I have attached the following documents to verify my identity and process my request : A copy of my drivers license or government-issued ID.

A copy of a recent utility bill or bank statement confirming my current address.

A copy of my Social Security Number.

5. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
6. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (AZ)

Nelnet my student loan provider is charging me interest but says I was placed in a forbearance by the Department of Education. The email said that my student loans should not accrue interest and while in this forbearance but it is. Nelnet is increasing my balance with interest and it is also being updated on my credit report impacting my credit score.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX Social Security Number XXXX resident of XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, submit this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : XXXX. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> XXXX. Current Address : XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. Security Freeze Request : I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements.

4. Attached Documentation : I have attached the following documents to verify my identity and process my request : A copy of my drivers license or government-issued ID.

A copy of a recent utility bill or bank statement confirming my current address.

A copy of my Social Security Number.
5. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

6. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXXXXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 8
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. 
Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX.
Consumer complaint received 2024-08-14
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)

ACCOUNTS OPENED : SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am filing this complaint because my credit report contains accounts opened without my consent due to identity theft. Under FCRA Section 605 ( b ), I request the immediate deletion and blocking of these fraudulent accounts.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

On XX/XX/year>, my house was broken in. All my identity documents were stolen and later used by someone else to apply for loan and credit card. While I have reported the incidence to police, banks and other credit departments including XXXX, XXXX and Experian ( report # XXXX ), I thought it was settled. 
XXXX has closed the fraudulent account on my name. It disappeared from my Experian credit report. 
XXXX has closed the fraudulent account after investigating ; however, the XXXX loan is still reflecting the impact of my Experian credit score.

Also, on Experian report, one of address, XXXX XXXX XXXX XXXX, XXXX, IL XXXX and phone number XXXX is not mine, they should be one stated above. 
I've sent many time requests to Experian to explaining my issue and asked them to remove fraudulent XXXX loan account, wrong number and wrong address from my credit report, but it still on my credit report, it has bad impact to my score. Since the case was proven it was an actual identity theft incident, I request Experian restore my credit rating.
Consumer complaint received 2024-08-15
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I was notified of a {$3000.00} Capital One credit card charge when a credit check was completed during the home loan process. When I noticed the charge on my credit report, I immediately called Capital One and was told there was no account in my name. When it was later stated that I had a {$3000.00} charge, I called a second time ( on or about XX/XX/year> ) and at that time was told that they see an account with a {$3000.00} charge, but that it would be dismissed as key identity information did not match. The first Capital One investigation was opened at this time. They stated that I would receive an email with the findings shortly. However, the email on file didnt match mine and they wouldnt tell me what email was on file or email my correct email as the account was closed. On XX/XX/year>, I received a letter dated XX/XX/year>, that indicated that I was responsible for this charge. I called Capitol One again on XX/XX/year> and notified them that this finding was incorrect and provided several reasons for this. They stated that they would reopen the investigation at this time. I completed a police report and notified all three credit agencies immediately. 
I called Capital One back on XX/XX/XXXX and notified them of this and provided the police report number. On XX/XX/XXXX, I received a letter in the mail dated XXXX XXXX indicating that the investigation found that I was still responsible for this fraudulent account. I filed a report with the Customer Financial Protection Bureau yesterday. Capital One refuses to provide any information about the original credit card application and will not acknowledge my evidence as provided. They have been very uncooperative and dismissive of my inquires.
Consumer complaint received 2024-09-15
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: AMERICAN EXPRESS COMPANY (OR)

Purchased AMEX eGift card directly from AMEX on XX/XX/XXXX XXXX in the amount of {$750.00}. In my many attempts to use the card, transactions have been declined at XXXX, XXXX, XXXX ( my regional trash collection company ), and XXXX XXXX, all via online transactions at their respective web site payment portals. I have called the phone number provided on the AMEX eGift Card ( XXXX ) several times, but found it to be 100 % automated, with no ability whatsoever to access a human, and none of the automated decision tree options are relevant. Note : their automated system does provide a blanket statement to all callers that ( paraphrased here ) 'due to fraud issues, online transactions are often rejected, and that the solution is the cardholder USE THE CARD ELSEWHERE ... '', which is an absurd " solution '' for a card that is advertised as " Your American Express XXXX Card may be used at US merchants that accept American Express Cards '' ( printed on the actual eGift Card, and plastered on the website where the card was originally purchased ). I don't want to use it " elsewhere, '' I want to use it at the place ( that does indeed accept AMEX ) I was tryinig to use it at. Further, while I was successful in using this now semi-useless eGift card at a few generic retailers ( XXXX, for ~ {$25.00}, and a local city recreation department class signup for ~ {$22.00} ), I have not been able to retrieve my card balance or view transactions on the AMEX " balance '' website at https : //balance.amexgiftcard.com/. I have tried to use this site at least a dozen times in the past 2 weeks, with the results always being several error messages -- one red error message at the top of the page reading " The system has experienced an unknown error. Please try again later. '' and an inline error under the " Transactions '' section of the page that reads " Error Retrieving Transactions. '' And additionally, under " Available Balance, '' the line is blank. At this point, the card is nearly useless as I can not use it for the intended purchase of paying several bills -- since my attempts have all been declined. It's frankly, embarrassing, that a company with the long-standing business reputation of being 'best in class ' would offer such a fundamentally broken product to its " valued '' customers.