davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-02
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

My account XXXX has been put on hold, i submitted billing statement for my store card and then i got this email " Thank you for your response. We have reviewed the information you provided but we were unable to verify your payment based on your response. " I legit even gave the statement, yet they want me to give again, so i did give again, then i got this " Thank you for your response. We reviewed the information you provided but we were unable to verify your identity because the document provided was illegible/unclear. Your account is still temporarily on hold. " Now they say it's illegible, it was so clear not unclear so i gave id this time Guess what you gave me back " After a review of your details, we have determined it is necessary to close your Amazon.com account. Any pending orders have been canceled. '' makes 0 sense, atleast give a reason Also i am not even the first person with this issue, check reviews, + i know people who have gave eevrything they have and you amazon, keep saying nonsense about visa and XXXX XXXX not being able to be valid, when you can clearly see they have a store card by their BIN number, like it is clear, XXXX is XXXX XXXX, and XXXX is visa, and XXXX IS AMAZON STORE CARD, quite pathetic that i am not the first person, and a company like this is broken in their team Thank you all i got ta say is fix up your team Have a great day hope it gets off hold : ) Because it didn't i complained with XXXX  but amazon closed it with no reason, even after giving my proof
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

s per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-11-05
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: First Technology Federal Credit Union (CO)

I am dealing with a case of identity theft, in which my personal information was stolen and my bank accounts compromised. After discovering the fraud, I promptly reported it to my bank, who then deactivated my debit card and provided temporary credit while they investigated. However, despite these measures, the scammers still managed to access my checking account and ultimately withdraw {$30000.00} in credit issued by the bank. 

Now, the bank has completed its investigation, concluding that no fraud occurred, and is demanding that I repay the full {$30000.00}. This outcome reflects, in my view, serious misjudgment on their part, given the security lapses that allowed this theft to happen. I would greatly appreciate any assistance or advice on how to proceed. '' This refined version conveys the situation with a professional tone, clarifies the timeline of events, and highlights your concerns about the banks handling of the case
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

XXXX account XXXX disputed as inaccurate dispute came back as nothing will deleted or changed infact i filed a complaint with the cfpb and nothing was changed in the photo docs below u will see all the inaccurate reporting from the three credit bureos, ive marked the discrepancy between all three bureos XXXX reports a collection account as open with monthly terms like a credit card and reports it late monthly so it re ages account to be more damaging i have no contract with this account with anyone ..the accounts .amounts, dates and statis are all diffrent
Consumer complaint received 2024-10-24
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: CITIBANK, N.A. (AZ)

On Monday, XX/XX/XXXX, around XXXX XXXX PT, my card was fraudulently used for multiple small charges of less than XXXX dollars for XXXX and XXXX XXXX XXXX. I call within an hour of the charges being posted. If you type in these names into XXXX, there are a lot of threads discussing fraudulent charges with those names. These charges were not from my self or my wife, and we both had the cards in our hands at the time of the charges. 

Our card was cancelled, and a new card was issued, however, when I called today ( XX/XX/XXXX ), Citi stated they would not provide a credit or refund for the fraud charges or fees for fraud charges ( including cash advance fees ) until the investigation is complete. This is absurd. 

Citi 's website ( XXXX XXXX XXXXXXXX ) states " At Citi, you will not be responsible for unauthorized charges ( charges which were not made by you, or anyone allowed to use the account ). '' This is not an accurate statement if I am not given credit as a fraud investigation is pending. 
In this situation, I have to float Citi the entire amount plus the cash advance if I do not want unintended consequences ( late notices to credit bureaus, late charges and interest racking up, as well as the negative hit to my credit score if my card is not paid off in full ). The advertising is not consistent with not being responsible and having {$0.00} liability as Citi can take as long as it needs to complete the investigation. In the 26 years that I have had credit cards, I have always had suspected fraud activity immediately credited to my account.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

As a victim of identity theft, I have faced numerous challenges, both financial and emotional, due to unauthorized accounts and transactions appearing on my credit report. I reported these fraudulent activities to your bureau and submitted all the necessary documents and detailed explanations, to substantiate my claims and establish my innocence. However, it has been an exceptionally long period since I initially raised these disputes, and I have yet to receive a satisfactory response or resolution. This delay has not only caused me considerable stress but has also resulted in tangible negative consequences for my financial well-being. I have encountered denied credit applications, higher interest rates, and relentless harassment from debt collectors, all stemming from inaccuracies on my credit report. ACCOUNT : XXXX XXXXXXXX. Please remove this account ASAP.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: American Credit Acceptance, LLC (TX)

American Credit Acceptance illegally repossessed my XXXX XXXX XXXX  that I was current on with payments computer error. The tow company they hired destroyed and totaled out my beloved car which had a new motor replacement for XXXX just before illegal repo and destruction of car. ACA agreed of this grave mistake and sent me my title and it was agreed upon with XXXX XXXX that my credit would reflect paid off in good standings, which ACA has been negatively affecting my credit because of the inaccuracy of 90 days late and XXXX balance. ACA has done this maliciously because, I call weekly to have removed, I disputed multiple times with all three credit bureaus to not have any form of resolution. I am intending to use my consumer protection laws and seek restitution from credit bureaus and also ACA in lieu of 1000 per each infraction. 15 USC 1681n is the code. I anticipate quick resolution and if any other information is required please feel free to contact. Thank you, XXXX XXXX this has went past 60 days for official response from ACA
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

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 2024-10-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NEW YORK COMMUNITY BANCORP INC (NY)

Flagstar keeps canceling my external transfers from XXXX ( via flagstar ) to XXXX XXXX. Both accounts are in my name. They say its for protection but I am the one wanting to transfer the funds.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-10-08
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)

After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.Please dispute and remove listed fraudulent inquiry from my credit report XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX
Consumer complaint received 2024-10-08
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. (VA)

Recently, I received a copy of my credit report and noticed several inaccuracies as well as unauthorized accounts/information reporting to my credit report. Prior to me seeking Legal Representation, I would like to attempt resolving this situation myself. These remarks have been detrimental not only to my career and credit health but my child has been impacted as well.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I dont know whats going on with these reporting agencies, or if they have some fraudulent stuff going on. My score on all reporting agencies is changing all day every day. They send me results the accounts is being removed ; then they put it right back on the report the next day. My accounts are suppose to be frozen. My FICO score is informing me of the changes. I took a picture yesterday, then over night I got a message changes was made. At this point Im thinking its the reporting agencies. XXXX will not allow you to look at your report unless you pay. Ive updated my information with XXXX somehow the information changed, not allowing me access my account. XXXX XXXX has incorrect information as well. They claim they get their reporting from XXXX. These agencies will make sure they keep you in poverty ; even when the proof is provided. Ive asked them on numerous occasions to remove information thats not related to me. Ive updated my ID, SSN, and provided a bank statement to XXXX as proof this information is incorrect. They rejected the information. These are government IDs and SS card. My information is exposed and everyone has an opportunity to create hardship for my family and me.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, 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.

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 XXXX 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 2024-10-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have hard inquiries on XXXX XXXX XXXX XXXX XXXX XXXX Capital one bank And I have hard inquires on XXXX XXXX XXXX XX/XX/year> Capital one bank
Consumer complaint received 2024-10-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TN)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation not reporting 100 % accuracy.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accountshave violated my rights.

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy.

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

I am requesting the original copy of the agreement & terms & conditions. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.
Consumer complaint received 2023-06-28
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. (TX)

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, TX XXXX, XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance Owed : {$5800.00}, XXXX XXXX XXXX Balance Owed : {$4000.00}, XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$1300.00}, XXXX XXXX Balance Owed : {$2500.00}, XXXX XXXXXXXX Balance Owed : {$18000.00}, XXXX XXXX XXXX Owed : {$660.00}, XXXX XXXX Balance Owed : {$230.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX  XX/XX/XXXX