davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-10
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. (NJ)

According to section 611 ( a ) failure to investigate any items within 30 days give clear reason for immediate deletion of said accounts from my credit file. I already sent my complaints to the XXXX XXXX XXXX XXXX  XXXX  ) and the federal trade commission ( FTC ). So beware that this aint no regular dispute, To my knowledge I have no clue as too what these items is or even who the XXXX they belong to. This is ridiculous I Kant afford to wait another 90 days to get a response that's if you ppl even decide to respond. Let the record show this is not the first time your company chose to ignore me. This needs to be taken care of expeditiously. You will force my hand to open litigation If you do not meat my demands for immediate deletion. Your company has caused me too much time, money, stress, and suffering. As mention before it has been well over 90 days which mean this account should be deleted ASAP
Consumer complaint received 2024-09-28
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: CLGF Holdco 1, LLC (IL)

I have a milestone credit card I am having difficulties making my monthly payments I have since closed out the account I am on Social Security XXXX I called milestone to see if I can get on a financial hardship program they said NO!. I DON'T UNDERSTAND HOW COME I HAVE TO GO TO A CREDIT COUNSELING AGENCY TO PAY THEM MONEY THAT I DON'T HAVE TO GET MY MONTHLY PAYMENT LOWERED WHEN I CAN NEGOTIATE EVERYTHING MYSELF. I want milestone corporate to contact me to explain to me how come I can not have my monthly payment lowered because of financial hardship. Thank you. 
XXXX XXXX XXXX. XXXX
Consumer complaint received 2024-09-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION (PA)

My financial institution allowed a withdrawal of funds out of my savings account to another institution that requested it on behalf of a false claimed report. The agent I spoke to in the fraud department was not willing to help me make a dispute to get my funds back. The fact that they allowed a transaction that is irreversible to be withdrawn from my savings account without my permission is a breach of security and trust and they have violated my consumer rights in regards to the Fair Credit Reporting Act
Consumer complaint received 2024-11-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (ME)

On XX/XX/year> XXXX XXXX. informed me that I am not able to redeem my rewards credit of {$730.00} due to the fact that I have a disputed claim for a part that I have returned. I have provide US Bank with proof of return and they are still charging me for a part I don't have. They are also refusing to contact me back about this dispute. Now in retaliation they have blocked me from being able to use my rewards credit of {$730.00}.
Consumer complaint received 2024-09-20
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. (NJ)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts 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 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 to be removed/updated. 

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. 

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!
Consumer complaint received 2024-11-03
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL (WI)

I am adding to the complaint I filed against Ashley Furniture after my latest interaction with them today. 

I called early afternoon today XXXX. The representative told me that nothing would be done, by any help or company, as we have your money after XXXX hours. I could not believe what I was hearing. When I bought the chair, I was told I have 120 days to get my money back. The chair 's first malfunction happened within XXXX weeks of delivery. I told them at the end of XX/XX/year> that I wanted my money back and that they can come get the XXXX chair I received. This was the XXXX time I said that. I said it again XXXX weeks later in XX/XX/year> when they canceled my original service repair to the one from the other day ( XXXX ) which then would put the timeline over 120 days. 

I have been mistreated, lied to, and caused severe issues with my recovery from XXXX XXXX as a result of this entire experience. Even as I write this it is not over as the repair from the other day was of poor quality, didn't fix the issues, and actually made XXXX of them worse. I want nothing to do with this company or their products ever again. 

I no longer was a replacement chair, I want a FULL refund with removal by them of this horrible product. Below is the breakdown from purchase price. 

{$900.00} refund for out of pocket down payment/warranty ( past year XXXX ) etc {$950.00} refund for what was put on my Ashley Credit Card Total {$1800.00}. 

This is what I am owed by after {$1500.00} pain and {$340.00} left to pay off on the credit card. As a person who is 100 % XXXX, I will not be able to purchase a new chair from a much better and more quality company without this relief. I have been more patience, trying and understanding than a customer should have to be. Sadly this company has lived up to their XXXX rating for XXXX quality products, lying and being disrespectful to their customers, and giving customers the runaround. 

I am available by phone to share more information about the experience if needed. Please see previous submitted case against Ashley Furniture for attachments.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Spirit Airlines keeps sending me letters saying I am denied for their credit card. These inquires are not mine. I called and wrote asking for them to stop listing me as an inquiry for their credit card. I also asked for the application for evidence.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I'm filing a complaint about late payments on my credit record. I've reviewed my records and found these late payments. I sent letters about this over 30 days ago but haven't received a response or satisfactory validation. I'm requesting help to resolve this quickly and effectively.
Consumer complaint received 2024-11-01
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FEDChex Recovery, LLC (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX XX/XX/year> FEDCHEX RECOVERY LLC XXXX XXXX XXXX XXXX XXXX CA XXXX To Whom It May Concern : This letter is being sent to you in response to a notice sent to me on ( Date ) or a listing on my credit report ( Choose Which Sentence Best Represents Your Situation ). Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed, and debt validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, or XXXX ), this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the FCRA Violation of the FDCPA Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this debt validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. 
This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this debt validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report, and a copy of such deletion request shall be sent to me immediately. 
( OPTIONAL CEASE & DESIST ) I would also like to request, in writing, that your offices make no further telephone contact to my home or place of employment. If your offices continue to attempt telephone communication with me, it will be considered harassment, and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 
Best Regards, XXXX XXXX XXXX
Consumer complaint received 2024-09-20
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. (TX)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-11-03
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (FL)

Im writing in reference to My Luxury Card Titanium Mastercard issued by Barclays Bank Delaware, formerly Juniper Bank which offers several cards for a yearly membership fee. Ive had continuous issues with this card and their support and security department have been extremely unhelpful and outright hostile and unreasonable in trying to help me resolve the issue. 

Essentially, Ive been traveling since XXXX of this year and tried using my card in XXXX for signing up to a transportation app for getting around the country Im in a security alert was raised and I called in to validate it was me. During this time, I changed my phone number to a less expensive service, and wasnt able to receive codes due to the restrictions that Mastercard/MyLuxuryCard have set wherein the phone number can not receive newly issued one time codes for a few months.

How do I verify that its me trying to use the card overseas? I provided all the screening questions they asked and PII. This apparently wasn't enough for MasterCard and they asked for me to submit additional documentation, now I didnt have a problem with that, but they asked to send it in over fax ( finding a fax service is difficult enough to do in XXXX XXXX. Theres apparently no other way they have setup in their protocols to validate identity other than some archaic fax machine that requires sending in documents. I went as far as attempting to use a mobile scanning documents fax app but wasnt successful in sending it even though I was instructed by their security staff, and followed every instruction provided. 

Now during this period, I became aware that my card was going to expire either way, and I would need one issued as the one that was sent out is unavailable to me. Mastercard told me that because the account is locked, they would need to unlock it before being able to issue the card via internationally forwarding services. 

So, I cant use the card because its in a locked state along with my account ( even though I can login and pay my balance just fine ), though they wont issue one time codes to the number on file until I verify my account by faxing in identity documents, they wont unlock the card for me to use, AND they wont allow me to cancel the auto renewal of the annual membership card fee which I was recently charged {$190.00} for. 

Its like theyre making it impossible for me to use the card they forced me to pay annually for, and have made it in all ways difficult to cancel membership of. Since the card was of no use since it was locked months ago, I had not used it and wanted to close the account but Mastercard comes up with this complicated process for ending my membership with them! I will never recommend card services with this company.
Consumer complaint received 2024-09-20
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

I opened a business checking account with Bank of America around mid XXXX as a secondary business banking option, since it was not my mine account their was minimal traffic on the account until my business outgrew my local situation. early XXXX I found a company that XXXX XXXX XXXX XXXX, early XXXX we made our 1st large sale of XXXX units at {$87.00} per unit. 
the initial deposit was paid out to my business via a 3rd part POS system and the remainder was wired to my BofA account on XX/XX/XXXX .... 
XX/XX/XXXX I was locked out of my account, my funds were never released and I was left with a XXXX tab with my vendor do to this situation and when I went into the XXXX Minnesota branch of Bank of America the branch manager made a slick comment " He doesn't look like eh type to warrant these types of payment '' .... 
XXXX this I am still fight to recover my funds.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and 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 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I have received a 1099-C form from XXXX XXXX , which I have filed on my taxes, making the balance currently being reported incorrect. The debt has been forgiven, meaning XXXX XXXX  has canceled the remaining balance and no longer expects repayment. 

Please review the 1099-C documentation and remove this account from my credit report due to the inaccurate balance. 

{$4900.00} XXXX XXXX XXXX
Consumer complaint received 2024-10-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FEDChex Recovery, LLC (TX)

On XX/XX/year>, I sent a validation letter to the address provided to me by FCR Services. I sent this letter via certified mail no. XXXX. They received this letter on XX/XX/year>. As of XX/XX/year>, over 30 days later, they have not responded to my request for validation and have continued to attempt collection.