davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-23
Product: Credit card — General-purpose credit card or charge 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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Someone took cash at a chase ATM from my Bank of America credit card. I suspect that my card was hacked and that the person who took the money was able to get my PIN code. I already talked to the bank that I was not allowing this withdrawal because we never withdrawal cash advance from a credit card and nobody else knows the PIN code. Therefore, someone had to hack my credit card probably with those hidden credit card readers that are everywhere now a day. I had to complain three times already about this to my bank but they say that the withdrawal was legal because they had the PIN code. However, I do not agree with this assessment because I am 100 % sure that my PIN code was hacked from my credit card.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A. (NJ)

PNC auto finance is reporting my car loan 30 days past due when my payment was made on time. After speaking with the customer service department it has been identified that their app doesn't reflect what their online statements reflect. For the past 3 months I have been paying the amount owed as shown on the telephone app. In the month of XX/XX/2024 my car payment was reported last due to their app showing a payment of {$550.00} was due I made a payment of {$560.00} thinking my account was paid as agreed. I spoke with an agent who advised that I must pay the loan agreement amount of {$560.00} opposed to what their system shows on their phone app. This information is misleading and confusing as a customer. I thought that I was paying what was owed due to what their system reflects just to find out that I can't trust the amount noted on the app. I also was never called as they had the incorrect number listed for myself and my husband, however in the app my phone information is listed correctly as when I need to verify my account they text me on the correct number to allow access to my account. I am also not receiving the hardcopy statements hence as to why I go strictly off of what the app reflects. I have paid the lesser amount as shown on my account in XX/XX/2024, XX/XX/2024 as based off what the app payment amount due reflected and was not penalized for paying less than the {$560.00}. As per XXXX from PNC call center she advised that the {$560.00} or more must be paid regardless to what the payment amount shows on the statements or app, which is very conflicting to me as a customer. I paid {$540.00} in XXXX {$550.00} in XXXX and {$560.00} in XXXX. Any payment system offered by PNC should always mirror and reflect what my statements show and reflect {$560.00} is due every month, however PNC system fluctuates every month something different.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

This is something I am submitting on my own initiative ; a third party is not involved. HOW IS THAT POSSIBLE IF THE OPEN DATE, THE DATE LAST ACTIVE, AND THE DATE LAST REPORTED ARE NOT ACCURATE? THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED. THEY VIOLATED MY RIGHTS UNDER THIS JUSTIFICATION FOR REMOVAL, AS WELL. 

According to 15 U.S.C. 1681 Section 602 A, I HAVE A RIGHT TO PRIVACY.

It also states that a consumer reporting agency can not furnish an account without my written instructions ( 15 U.S.C. 1681 Section 604 Section 2 ). 

SEE ATTACHED LETTERS, PLEASE.
Consumer complaint received 2024-07-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

on XX/XX/year>, i was recommended by Bank of America to apply for a Business Advantage Secured Mastercard Credit Card and was denied. regardless of any reason for being denied, i have the right to my credit. withholding access to my securities is securities fraud. Bank of America is violating the Equal Credit Opportunity Act and the Consumer Credit Protection Act. Bank of America is has discriminated against me on multiple applications and this will no longer be tolerated. they have used my social security number for the their own benefit and continue to violate my rights as a consumer. at XXXX XXXX i spoke with XXXX from bank of america on a recorded line, where he admitted bank of america was discriminating against me due to my credit report.
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

PLEASE REMOVE ALL INACCURATE /INCOREECT ALL PERSONAL INFORMATION, ADDRESSSES : XX/XX/XXXXXXXX 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 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 2024-07-23
Product: Credit card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL (FL)

I opened an account with Synchrony ( XXXX XXXX ). They advised I would get the card within XXXX to XXXX weeks after opening the account on XX/XX/XXXX. I waited several weeks until XXXX when I got a called about me not making a payment. I talked with them about how would I be able to make a payment if I had not received statements or the card itself. They reissue the card. I called back again in XXXX and in XXXX for the same issue. Asking them to please send the card, statements and not to ding my credit score. It has been an absolute nightmare. I started making payments over the phone to show good faith about making payments. They have me with late fees they removed a couple. I asked to remove the other ones and extend the promotion to XX/XX/XXXX since I received the card on XXXX of XXXX and they are now saying that since I made payments they are not willing to grant my request. Also they keep showing me late as a customer. Their way of handling customers information is absolutely irresponsible.
Consumer complaint received 2024-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (MD)

Well, I went to the bank and told them that I lost my wallet which had my ID and my debit card, but they refuse to help me get a new car just because I showed them my work permit instead of my other ID, which is in the lost wallet
Consumer complaint received 2020-06-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. ()

On XXXX XX/XX/2020 a currency transfer of {$50000.00} was sent by XXXX of XXXX. XXXX to Citibank. New York These funds were acknowledged as arriving on XXXX XX/XX/2020. Please see part of the Transfer Confirmation attached. 'Transfer Confirmation - Funded XX/XX/2020 - Transfer number # XXXX - Limited sender details XXXX XXXX XXXX XXXX XXXX XXXX Transfer overview Amount paid by XXXX XXXX XXXX {$50000.00} USD and ultimately sent via Citibank to XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Citibank transfer details as follows : - Routing No. - XXXX. - Bank account number - XXXX. Checking Address - XXXX XXXX XXXX. - New York, XXXX, United States The official document is attached. Having checked with XXXX  they advised the following : - after checking the details of the transfer as sent to CitiBank on XXXX XX/XX/2020, I checked your transfer number XXXX for the amount XXXX USD and I can confirm that this transfer is complete from our side as the money was sent to the recipient details that you provided. However, after double checking the recipient details, I found some differences in the account number and the account holder 's name that were provided while making the transfer. However under normal protocol, if there are mistakes with the details of the intended account, then the funds should be returned to the sender - XXXX. My complaint is that the money was not returned and after 17 days the money is still being held by citibank but they are denying having the money.
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/year> and a balance of {$0.00}. 
EXPERIAN HAS This account is incorrectly reporting that I have XXXX late payments. On my XXXX report there are XXXX late payments being reported. 

Please investigate the inaccurate information per 15 U.S. Code 1681 this account is being reported inaccurately and these matters are hurting my credit score and per Fair Credit Reporting Act ( FCRA ), the inaccuracy of this reporting needs to be deleted asap. Per CFPB laws and regulations, I am demanding this in accurate account be deleted now or be subject to penalty and civil action lawsuit with a violation of {$1000.00} per day this inaccurate account with inaccurate information is being reported. Thank you for your assistance.
Consumer complaint received 2024-08-16
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. (NC)

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 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX with account # XXXX opened on XX/XX/year> and a balance of {$260.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.

Please investigate the inaccurate information per 15 U.S. Code 1681 this account is being reported inaccurately and these matters are hurting my credit score and per Fair Credit Reporting Act ( FCRA ), the inaccuracy of this reporting needs to be deleted asap. Per CFPB laws and regulations, I am demanding this in accurate account be deleted now or be subject to penalty and civil action lawsuit with a violation of {$1000.00} per day this inaccurate account with inaccurate information is being reported. Thank you for your assistance.
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I was Notified back in XXXX that this credit did in fact mark this account as fraud and its XXXX and this account is still on my credit profile as fast as they report these accounts it should be fast as they take them off Im in the process of home buying process and this account has XXXX late payments on it as well and again this was because of fraud
Consumer complaint received 2023-05-04
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: FIRST CITIZENS BANCSHARES, INC. (NY)

I applied online for a XXXX XXXX Account with CIT Bank. Within minutes of submitting my application, a pop up appeared that stated Thank you for your recent application for a CIT Bank account. We regret to inform you that after a thorough review of your application, we have elected not to open a bank account for you at this time. Thank you for considering CIT Bank. I called the bank seeking more information about why my application was denied. The first person, XXXX, told me that it was because my VPN was on and they could not validate my address. I checked and my VPN was not on. I also called XXXX and they remoted into my computer and verified that the VPN was off. I called again, and spoke to XXXX. XXXX said CIT bank could not tell me why my account was denied, and read me a catch-all disclosure statement that didnt reveal why the application was denied. I asked to speak to a supervisor ( XXXX ). XXXX indicated that they could not give me any further information on why the account application was denied. She said my only recourse was to write the bank a letter of complaint. I received no email correspondence indicating a reason either. I understand the FCRA requires the bank to provide me with a specific reason, but they refused.
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I my credit report. To my surprise, I discovered numerous inquiries that I do not recognize and do not understand why they are there, I checked my credit report on XX/XX/XXXX. 
As a consumer unfamiliar with these inquiries, I am concerned about their impact on my credit score and financial standing. I have not applied for credit or authorized anyone to make inquiries on my behalf recently. The inquiries listed below are unfamiliar to me : EXPERIAN 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 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  ( Auto Dealers XXXX Used XXXX on XX/XX/XXXX I am seeking clarification and information regarding the purpose of these inquiries. As per my rights under the Fair Credit Reporting Act ( FCRA ), I request that you provide details on who made these inquiries and for what purpose. Please also confirm if these inquiries have resulted in any new accounts or actions on my credit report. 
I appreciate your prompt attention to this matter and look forward to your timely response.
Consumer complaint received 2016-09-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (NC)

The last time I filed a complaint with the CFPB and disputed items on my report, my score dropped over XXXX points with my credit only improving. It seems Equifax does n't like me filing complaints. After filing another complaint 4 months later, my score dropped another XXXX points. 

This is retribution as my credit is only improving. I will consult an attorney about this.
Consumer complaint received 2024-07-20
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. (CA)

XXXX XXXX Account # XXXX Theres inaccurate information on my credit Report by this account. The Dates are inaccurate with all XXXX bureaus Last Verified Last Activity According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agencyshall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Delete this Account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ). 

Im not liable for this debt with XXXX XXXX  .I dont have a contract with XXXX XXXX they did not provide me with original contract as I requested. 

Correction to my credit report, I demand this account to be removed from my credit report.
Consumer complaint received 2024-07-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I have no contract agreement with XXXX XXXX XXXX and did not authorize anyone to share my information. Under the FDCPA, if you request validation of a debt within 30 days of receiving the initial communication from a debt collector, the collector must provide you with certain information, including a written verification of the debt, if requested. However, this does not necessarily require the collector to provide the original signed contract or " wet documents. '' I have written several communications to the company regarding this issue.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: ALLY FINANCIAL INC. (NY)

The car I was financing was totaled in an accident. I had gap protection and received a statement that next month 's payment was not due. The accident occurred in May and I figured that the car would be payed off. 2 months later I get a letter saying that Ally reported that I am not making payments. I called ally and was told by a customer service representative that she would tell the other department not to contact me about payments until after the gap payment came in from the gap vendor. Then I get conflicting information that I still have to make payments until the gap check comes in. I started making payments again and finished paying off the car. I told Ally that because they gave me the wrong information about how to pay off the car that I wanted them to retract the bad credit report they gave me. My credit rating dropped because of their report. Ally refused
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My Account with XXXX XXXX was never late! I have had exceptional payment history with XXXXXXXX XXXX  and all payments were placed on Auto Pay. This late payment that is reporting is a resort of systematic error on their end processing my payment. There was clearly a billing error made by the company and is not a reflection of my payment experience which violates USC code 1681 EB. This area has caused severe hard to my reputation, my character, my mode of living into my family! I demand the late payment reported in XX/XX/year> to be removed. They are not in compliance with the following law 15 USC 1666B requirements set the standards and the guidance for a credit to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 US 1666B ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open and customer credit plan as late for any purpose, unless the credit 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 XXXX  never sent the periodic statement along with the disclosures from section 1637b.

I have requested proof that this information was mailed or delivers 21 days before the payment due date and this information was requested in good faith pursuant rule one 1002 and it was never provided. This is unfair, illegal, fraudulent, and equitable to me as a consumer!

Delete the payments from my consumer reports!
Consumer complaint received 2024-07-20
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. (MA)

I received information from you attempting to collect the above-listed alleged debt. Account Name : XXXX Account # XXXX Please be advised that I dispute the validity of the alleged debt in its entirety. Further, I request verification of the alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX | XXXX XXXX that no proof of the alleged debt, nor therefore any such debt in fact exists. If you fail to comply with this dispute, I may turn the matter over to an attorney.
Consumer complaint received 2024-07-20
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. (GA)

XX/XX/XXXX Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written unwritten verbal and nonverbal per 15 U.S. Code 6802.

As a federally protected consumer Per 15 USC 6801 states that it is illegal to report transaction history. This is because Congress has a policy that financial institutions must protect the security and confidentiality of their customers ' non-public information and respect their privacy.

As as Federally protected consumer my privacy rights are being violated under the PRIVACY ACT OF 1974 As a federally protected consumer according to the IRS Article, a charge-off is considered a certificate of indebtedness, which means it is treated as income and Im requesting for the account to be updated payed as agreed