davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

LVNV continues to respond from the typical playbook and use stall tactics to keep this collection account alive in hopes of getting paid their commission. The debt is not mine, was a result of ID Theft via my dad who lived with me at the time during a illness, has the same legal name and access to my SSN. It is simple and LVNV is purposefully pursuing this debt from me and it isnt my debt and is identity fraud. This information was not returned within the 30 day window. And violates my rights under the fair debt reporting act. and they should remove this from my credit. for that additional reason as well as the identity theft. i expect a this to be removed within 15 days. 

I am requesting that the CFPB intervene and support me and my legal rights pursuant to the Fair Credit Reporting Act that states the collection agency has to prove this is my debt. 

Best Regards XXXX XXXX XXXX XXXX If i do not get the proper response back frpm LVNV within 15 days. the next communication will be from my personal attorney filing a defamation and limiting factor lawsuit against LVNV for the following TORT violations : Defamation : If someone has made false statements that damage your reputation and thus your ability to earn income. 

Intentional Infliction of Emotional Distress : If someones outrageous conduct has caused you severe emotional distress affecting your ability to work. 

Interference with Contractual Relations : If someones actions have interfered with your existing contracts or business relationships. 

Negligence : If someones failure to exercise reasonable care has resulted in harm to your ability to earn income. 

Malicious Prosecution or Abuse of Process : If someone has wrongfully subjected you to legal action, impacting your ability to provide for your family.
Consumer complaint received 2024-07-11
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (CA)

This account represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : SYNCB/TJX COS DC XXXX XXXX
Consumer complaint received 2024-07-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (IL)

On XX/XX/year>, i initiated a {$500.00} transfer from my checking account at PNC Bank to my car loan at XXXX XXXX XXXX XXXX. The loan account number that I provided to PNC Bank was accurate, however, they sent the payment to the wrong account ( last XXXX digits transposed ). I have been trying for XXXX months to get a letter of idemnification from PNC so the payment can be returned to me and they have not provided it. I have dealt with at least XXXX associates, the most recent being an executive team member and nothing gets done. Now nobody returns my calls. I have never experienced anything like this ; I have been robbed of {$500.00} by PNC Bank.
Consumer complaint received 2024-06-25
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: Experian Information Solutions Inc. (PA)

I am writing to address the ongoing issue of inaccurate negative accounts on my credit report. Despite your previous response, I stand firm that these negative entries are all invalid. I demand a detailed explanation of all the steps and actions taken to investigate and validate these negative accounts on my credit report.
Consumer complaint received 2024-07-09
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

To Whom it May Concern, I closed my account from your credit card company ( I was a card holder for 21 years ), when I first was a member, the interest rate was a fixed rate of 14 % ( estimated ), in XXXX the interest rate was changed from fixed rate to variable without my clear knowledge ( you probably put it in a bill in the fine print and it was probably overlooked ). You have increased your interest rates continuously since. This XXXX is when I closed my account, the decision to close the account was made in large part due to multiple conversations with your employees who informed me ( either erroneously or fraudulently ) that closing the account would stop the interest rates as the interest rate are being called 'interest charged on purchases ' ( pretty hard to charge purchases when the account is closed ). So instead of paying against the balance ( {$18000.00} ), we are paying against the interest ( it went up again from 19.98 % to 20.24 % ), so when we make our next payment of {$490.00}, only {$170.00} will go toward the balance, the remaining amount of {$310.00} goes toward an interest rate ( looks like pure profit ). Nobody likes to be deceived, nobody likes being giving bad information which results in bad decisions. We pay our bills, we are honest, to be treated unfairly is frustrating beyond belief. I know I will probably be told that it is too bad, I just wanted you to know how bad I believe your company is. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, to be deceived like this is enraging.
Consumer complaint received 2024-07-09
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (MI)

XX/XX/year> I Requested a Lowes Credit Card. LoweXXXX issues Credit cards through Synchrony Bank and they denied the Credit Card, but did not give a reason. They said they would send a letter in 10 days explaining their denial. 
I had to unlock my XXXX Credit Score account just to apply. It will lock again on XX/XX/year>. On XX/XX/year> My XXXX credit score was XXXX. I called and asked why it was denied and they said they could not tell me and the letter might take as much as 30 days to get to me.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

Identity Theft! There are accounts in my ChexSystems report that are not mine. I do not have a record of doing business with these companies. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as XXXX and my XXXX XXXX XXXX
Consumer complaint received 2024-07-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am writing to file a complaint regarding my XXXX  XXXX XXXX XXXX credit card ending in XXXX, linked to my corporate account ending in XXXX. XXXX of the annual benefits of this card is the " Earn another XXXX  's XXXX XXXX XXXX ( {$99.00} fare plus taxes and fees from {$23.00} ) each account anniversary after spending {$6000.00} or more on purchases within the prior anniversary year. '' I opened the card ending in XXXX on XX/XX/XXXX, and put more than {$6000.00} in spending on that card between XX/XX/XXXX, and XX/XX/XXXX. However, I noticed that my Alaska XXXX XXXX for spending {$6000.00} in a given cardmember year never posted. 

I have called in several times to resolve this issue, speaking to : XXXX. XXXX XXXX Bank of America representative ) on XX/XX/XXXX, who created a case ( # XXXX ) with the case type being airline companion certificate escalation. I never received an update on this case. 

XXXX. XXXX ( another Bank of America representative ) who informed me that I should see my certificate post on XX/XX/XXXX. However, this did not happen. 

XXXX. XXXX XXXX Bank of America representative ) on XX/XX/XXXX, after I noticed my certificate did not post on the date XXXX mentioned. XXXX had no update on the previous case but created another case with me ( # XXXX ). 

Some of the agents I spoke to directed me to contact XXXX  XXXX, which I did. However, XXXX  XXXX informed me they couldn't help unless my name was on a list that Bank of America sends to them, at which point XXXX  could issue the certificate. 

Due to feeling as though Bank of America was not honoring their cardmember benefits for this card and the representatives not being helpful in providing a status update on my missing XXXX  Companion Fare, I closed the Alaska card last month. 

I am XXXX XXXX. I am seeking assistance in resolving this matter and ensuring that I receive the Companion Fare benefit I am entitled to. Thank you for your attention to this issue.
Consumer complaint received 2024-07-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (LA)

It was XX/XX/year> a Friday Friday I checked my bank account. I got paid about an hour after I checked it. I looked at it again. All my money had been transferred to an email address. XXXX. So automatically I called Chime my bank and told them about it and the first claim the first dispute that I had made they denied it so I did a second dispute and they denied that XXXX also and I told them that a week before this happened that my phone has been hacked. Someone hacked my phone number in my XXXX account asking people for money so I change my number change the passwords and everything so they were still in my in my phone, so thats about it. Thats everything Ive got and I got an email today from Chime saying they werent going to refund me my money.
Consumer complaint received 2024-07-06
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (PA)

Apparently, on XX/XX/XXXX they sent to my email and regular mail addresses a notification stating they were decreasing my credit line and explaining the reasons why that decision was made. However, I haven't received that letter to this day on email or a physical copy. Also, after my decrease in credit line they have been taking more than a week after each payment to reflect it in the account even though the payment gets deducted from my bank acc with in 2 or maybe 3 business days. The latest payment ( {$120.00} ) hasn't been posted yet even though I made the payment on XX/XX/XXXX ( Tuesday ), they decided to take the money from my acc on a FRIDAY to have me wait over a week to see changes in my acc. Usually before these issues, the payment would get posted and reflected in the CC acc the same day the deduction in my Banck Acc was made. I have reached customer service 3 times and this last time they were " unable '' to update the balance even though they have the money already. I want quick updates on my balance because, I stated to them via a phone call and chats, I am closing that XXXX XXXX. Synchrony Bank can eat dirt for all I care. Terrible bank. They are messing around with my credit score at this point, and I am not going with it. I also pay for the hardship plan they have for customers if they happen to not be able to pay off their credit card, they didn't even try to contact me and give me a change to use it. Even though I struggled financially last XXXX, I still made 100 % of my payments and they do this. I will appreciate if I can get the proper help for them to be more diligent on their end an let me finish pay off that awful XXXX XXXX  and close that terrible acc.
Consumer complaint received 2024-07-04
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: AMERICAN EXPRESS COMPANY (OK)

We started to see more charges from Advertising on our card that we did not authorize. We even had XXXX state they couldn't bill our card yet we kept getting charged for XXXX charges. We requested the card be removed but it took a long time to get it removed and XXXX kept allowing these charges when I called and asked to stop allowing them.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: NAVY FEDERAL CREDIT UNION (GA)

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 NAVY FEDERAL CR UNION : Account # XXXX, Account name XXXX XXXX XXXX XXXX : Account # XXXX, Account name : XXXX XXXX XXXX, Account # XXXX, Account name : XXXX XXXXXXXX, Account # 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 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 2024-07-03
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Mohela Department of Education XXXX XXXX XXXX XXXX XXXX XXXX Account - Mohela/Dept of ED Account number - XXXX Dear Mohela, I am writing to formally request the removal of my student loans from my consumer report in accordance with 20 USC 1232g ( b ), which pertains to the confidentiality of student records. As per the Family Educational Rights and Privacy Act ( FERPA ), certain information is protected and should not be disclosed without my consent. 

The inclusion of my student loans on my consumer repoer constitutes a violation of this statute, and I believe it should be rectified promptly. I request that you remove all informtion regarding my student loans from my consumer report to ensure compliance by law. 

Please confirm in writing that the necessary actions have been taken. I appreciate your prompt attention to this matter. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-07
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. (TX)

I am requesting your assistance in addressing a wrong account on my credit report. This has harmed my reputation, and I require your help. The poor handling of my credit information has led to serious consequences, and I ask that these mistakes be removed so I can move forward with my family.
Consumer complaint received 2024-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (GA)

Navy Federal Credit Union account ( Account Number : XXXX  ) - I am disputing all information being reported to credit reporting agencies regarding the Navy Federal Credit Union account ( Account Number : XXXX  ). The report lists a balance of {$2500.00}, a balance updated XX/XX/XXXX, a credit limit of {$3000.00}, a $ 66 monthly payment, an account opened on XX/XX/XXXX, a last payment date of XX/XX/XXXX, and the highest balance of {$3100.00}, status closed, and responsibility individual. The payment history shows 3 late payments which are incorrect. Under the Fair Credit Reporting Act ( FCRA ), only accurate and verifiable information should be reported. Please investigate this account and remove the incorrect details, including the late payments. If the information can not be verified, it must be deleted per FCRA Section 611. Please investigate and review all and any recent statements and payment records, including the most recent credit report. Thank you for your prompt attention.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (GA)

Navy Federal Credit Union account ( Account Number : XXX ) - I am disputing all information being reported to credit reporting agencies regarding the Navy Federal Credit Union account ( Account Number : XXX ). The report lists a balance of {$2500.00}, a balance updated on XX/XX/XXXX, a credit limit of {$3000.00}, a XXXX  XXXX monthly payment, an account opened on XX/XX/XXXX, a last payment date of XX/XX/XXXX, highest balance {$3000.00}, status closed, and responsibility individual. The payment history shows 1 late payment which is incorrect. Under the Fair Credit Reporting Act ( FCRA ), only accurate and verifiable information should be reported. Please investigate this account and remove the incorrect details, including the late payment. If the information can not be verified, it must be deleted per FCRA Section 611. Please investigate and review all and any recent statements and payment records, including the most recent credit report. Thank you for your prompt attention.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (NC)

In accordance with the fair credit reporting act, XXXX 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a loan account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-07-16
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: EQUIFAX, INC. (NE)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-16
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: EQUIFAX, INC. (NE)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX, XXXX. XXXX XXXX XX/XX/year>
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am formally disputing multiple unauthorized inquiries on my credit report. Despite my earlier communications and submission of necessary documents, including the FTC Identity Theft Report, these inquiries continue to appear. I have contacted the relevant institutions, and they confirmed that these inquiries were made in error and would be removed from my credit report. Notably, XXXX and XXXX have already stopped reporting these unauthorized inquiries after my FTC report submission. 
It is concerning that your bureau continues to show these inquiries despite clear evidence of their fraudulent nature and assurances from the involved parties. Under the Fair Credit Reporting Act ( FCRA ), your bureau is required to conduct a thorough investigation of disputes and review all relevant consumer- provided information. XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> and XXXX XXXX XXXX XXXX XX/XX/year>.
Consumer complaint received 2024-07-16
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: EQUIFAX, INC. (TX)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX