davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-29
Product: Credit card or prepaid 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 (FL)

I discoved on XX/XX/XXXX that I have been charged {$7.00} for XXXX on my Amazon.com store card, ending in XXXX, on the XXXX of every month since XXXX of XXXX. 

I previously had an account with audible that was canceled in XX/XX/XXXX. That arrangement was on a different card ending in XXXX. 

At no time did I authorize a membership or fee to be charged to my amazon store card ending in XXXX. 

Synchrony Bank is the issuer of the card with the unauthorized charges ending in XXXX. 

They have provided a provisional credit for current charges as well as the last two billing statements as they are required to by law. The employee, XXXX, stated that they will conduct an investigation for the charges from XX/XX/XXXX through XX/XX/XXXX ; a total of XXXX months. He stated that it may take up to 60 days for the investigation to be completed. I understand that they are allowed this time by law. 

The reason for my complaint is that XXXX does not show an active account for me at this time. I confirmed this with one of their representatives. I also have a screenshot of the account showing that the service was canceled in XX/XX/XXXX. So, for some reason, I was being charged on two different credit cards between XXXX and XX/XX/XXXX. The charges on my XXXX XXXX XXXX, ending in XXXX, which I never approved. Began in XXXX of XXXX and were still being charged to this card as of XX/XX/XXXX. 

I am happy to provide any documentation you may require. Thank you inadvance for any assistance that you can provide. 

Sincerely, XXXX XXXX.
Consumer complaint received 2022-11-24
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. (GA)

I have several hard inquiries on my credit report from events that I am not aware of : - XXXX - XX/XX/2022 - XXXX  XXXX - XX/XX/2022 - XXXX  XXXX - XX/XX/2022 - XXXX - XX/XX/2022 - XXXX XXXX XXXX XX/XX/2022 - XXXX - XX/XX/2022 - XXXX  CARD - XX/XX/2022 - 15 U.S. Code 1681q - Obtaining information under false pretenses : Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

15 U.S.C. 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

( b ) Civil liability for knowing noncompliance : Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
Consumer complaint received 2022-11-24
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: Experian Information Solutions Inc. (IN)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2022-12-04
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: CITIBANK, N.A. (FL)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, As violated my rights. 

15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : it also States a consumer reporting agency can not furnish a account without my written
instructions.

15 USC 1666B : A creditor may not treat A payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-11-24
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: Experian Information Solutions Inc. (KY)

I have wrote about this before, at this point it is willful noncompliance, 15 U.S.C 1681n. In accordance with the Fair Credit Reporting act CREDIT BUREAU SYSTEM Account # beginning in XXXX, XXXX XXXX  Account # XXXX and XXXX Account # XXXX, has violated my rights15 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. These violations are also pursuant civil liability under 15 USC 1692k. If these accounts are not removed with monetary relief then the next letter will be mailed directly with an invoice for every violation.
Consumer complaint received 2022-12-04
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: Holloway Credit Solutions (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat your payment on a credit card account under an open end consumer credit plan as late for 286 purpose.
Consumer complaint received 2023-01-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (AR)

On XX/XX/2023 i had lost my cell phone which had me logged into my banking app as well as cash app. My bank card was linked to my cash app so the individual was able to send money from my bank account to my cash app and send the funds once they were on cash app to multiple mutual aquatances. They loaded and sent {$100.00} in total before they and my phone were located and they were taken to jail and the phone was returned to me. I have spoken to multiple cash app represenatives who claim no error occurrd that i authorized these transactions even though i have explained to each represenative the circumstances. Each time i have explained first thing that my phone was lost someone picked it up and made these transactions while i was looking for my phone and yet each represenative XXXX says that no error occurrd and then when i state to them for the second time that i didnt authorize or authorize anyone else to make these transactions that they did this while i was looking for my ohone the represenative says they are escalating my case but never do nor do they listen to me at all i have been answering the same questions for them multiple times a day since thursday and never get any differant answers and i never get to speak with a manager and this is completely wrong, unjust, and unfair as i am on a fixed income and this has truly put me in a bind and i can not get anywhere with cash app at all. Someone please help me
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (MN)

Lexisnexis will not placed a security freeze on my account after I attempted this online and upload a valid document. I sent a letter with a copy of my driver 's License, copy of utility bill and SSN. They still need more information from me. This issue been going on for the past 30 days.
Consumer complaint received 2022-11-24
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: EQUIFAX, INC. (MN)

Request to provide document I sent your company my dispute on XXXX/XXXX/2022, which you received and investigated on. I have reason to believe that you conducted a reasonable investigation. therefore, I am invoking the Fair Credit Reporting Act Section 611 to ask that you provide me with the following information : 1. The date you contacted the creditor.

2. The contact information for the creditor.

3. The name of the person who verified the item to you.

4. The method of communication you used to verify this information.

5. Did the creditor provide you with my SSN, address, and Date of Birth?.

I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results
Consumer complaint received 2023-01-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CATHAY BANK ()

CATHAY BANK MORTGAGE DEPARTMENT I had a mortgage serviced by XXXX that was bought out by Cathay Bank over a year ago and it has been an absolute nightmare. 

Firstly they ported over all of my information incorrectly and the app and website do not allow me to fix it. Secondly they do not have a phone number for their mortgage department so they are not helping customers with any mortgage related matters despite having the product. 

They have not given me my 1098 which they are obligated to do by law so that I can file my taxes and I have asked on numerous occasions that they provide it.

I have called over 10 times from XX/XX/2023 - XX/XX/2023. I have also messaged back and forth with the customer service on the mobile app from XX/XX/2023 - XX/XX/2023 and emailed the address they redirected me to after refusing to help me on XX/XX/2023 & XX/XX/2023. They told me I should get a response in 48 hours but no one has responded. 

They tell you to email this address : XXXX and someone will get back to you in 48 hours but this is not the case. 

The retail bank customer support says mortgages are a different department with no phone number and also refuse to help. It is absolutely ridiculous. 

Right now I am trying to figure out what other course of action I can take. They wont make my 1098 available online or email it to me. None of the contactable costumer service people are in the mortgage department so they say they have no authority to help me with anything.

One customer service rep said the mortgage department is in absolute chaos and not responding to anyones emails right now. This is completely unacceptable. What am I supposed to do?
Consumer complaint received 2024-10-18
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. (GA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

A FCRA infringement alludes to an infringement of the Fair Credit Detailing Act ( FCRA ), which is a government regulation that directs the assortment, spread, and utilization of customer credit data. You're supposed to guarantee XXXX percent accurate data on my credit reports. I've endured harm because of this FCRA infringement XXXX entitled to compensation for this violation which I would prefer in the form of DELETIONS otherwise I'll have to forward it to my legal counsel. These accounts listed in my letter are not 100 % correct and I demand them to be REMOVED immediately.
Consumer complaint received 2022-11-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Advantage LNS Inc. (AZ)

There are XXXX things that need to happen here. I am XXXX and am clearly being discriminated against. Another man, XXXX, and I shared an XXXX. He left with no notice leaving me alone to resolve the closing out and cleaning which I accepted. I was told what the total was and paid it. Then I received another bill for other issues but included were repairs and charges that were false. I made the company manager aware of the excessive charges and nothing was corrected and no mention of leaking XXXX and damage which lasted over XXXX weeks. I had to move out XXXX weeks because of mold and odor. I sent XXXX Notices with details and pictures and contacted the other man sharing the apartment only to find I was the only XXXX being threatened and charged and I was in second position on the lease and only paying XXXX third of the lease payment. I have witness ', XXXX that will sign affidavits the the carpeting, sink and screen door were already needing replacement when I moved in. I required people to take off their shoes when entering from the beginning. I had to send the Notices to the collection agent as the manager would not speak to me directly. I have tried my best to do right and correct this but it has become obvious that they are taking advantage of the situation at my expense. I reported things when I moved in as a guest with XXXX right away and they didn't get fixed. It was into the XXXX week before they fixed the lead in the XXXX unit which created a mold condition. Several other charges are for things that were already in dis-repair before I moved in which was reported.
Consumer complaint received 2022-12-04
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: ERC (KY)

ENHANCED RECOVERY CO L has flagged your account as Collections on XX/XX/2020. 

Source : XXXX XXXX : ENHANCED RECOVERY CO L Address : XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/2020 Balance : {$310.00}
Consumer complaint received 2024-10-17
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. (MA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-17
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. (TX)

I am writing to EXPERIAN to dispute inaccurate information on my credit report. 
My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, TX XXXX. My date of birth is XX/XX/year>. The FTC report number related to this complaint is XXXX. I have identified entries on my credit report that appear to be either duplicated or incorrect, and for which I did not provide authorization. As a consumer, I am entitled to have inaccurate or unverifiable information removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Please review my report and remove any entries that do not comply with the FCRA, specifically under FACTA Title 1, Section 151, which mandates accurate and verifiable reporting. I request that you address this matter promptly and provide confirmation of the resolution
Consumer complaint received 2022-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have a late payment that I have been able to finnaly get reversed after two years of asking for them to reverse when it's my only late payment in 5 years and now for the last year I've been requesting it to be take. Off my credit report and it's still there which has caused loss of potential houses and loans
Consumer complaint received 2022-12-04
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: SYNCHRONY FINANCIAL (VA)

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-12-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (CA)

Purchase securespend prepaid card for {$500.00} on XX/XX/XXXX, went to check the balance of the card and received an error. Called the phone number on the card and was told that card was marked for fraud as a transaction for {$500.00} had been made. Transaction was not me clearly. Expect a refund, or new card with same amount. Filed a dispute case with agent over the phone, and signed it online. 
Has been over 30 days that I have not received my money back or a new card .... ridiculous to wait this long for my {$500.00} which was stolen. 
XXXX
Consumer complaint received 2022-12-04
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

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

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit card plan as late payment.
Consumer complaint received 2022-11-24
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: Paramount Recovery Systems, L.P. (GA)

This debt does not belong to me as it randomly popped up on my account.I do not have any knowledge of this debt and have tried to dispute it with all.They are not authorized to collect a debt that they have not validated.I have asked for validation containing my signature.That shows this debt belongs to me and have yet received it.
Consumer complaint received 2022-12-04
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Cedars Business Services, LLC (VA)

I never received initial contact by mail from this company. I noticed the company had been reporting the unvalidated information and I tried disputing the validity of the collection to no avail. The company called and harassed me several times until eventually I changed my number. The company removed the charges from my report for a few months and then resubmitted it again. The company is in violation of several laws including Defamation of Character.
Consumer complaint received 2022-11-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

ARS account resolution services XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022 disputed with credit bureaus and filed XXXX  Complaint on both companies to dispute this. 

I am a XXXXXXXX XXXX XXXX XXXX all my healthcare is through the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  I have no knowledge of this account and want it removed and marked as fraudulent
Consumer complaint received 2022-11-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (GA)

I got an email from Chase about my monthly statement but I cant login. I received a letter saying my account would be closed so Im kinda confused. I didnt do anything for my account to be closed and I dont think its fair that other people can have a relationship with Chase Bank but XXXX cant.
Consumer complaint received 2022-09-28
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Last four Acoount # 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 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 record 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 2024-10-18
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.