davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-30
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. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX : {$11000.00}, XXXX XXXX XXXXXXXX ( XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$220.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-11-04
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: CITIBANK, N.A. (TX)

I have written to Exxon, Citi, XXXX  in XXXX XXXX, XXXX  and informed them of the fraudulent charges on the Exxon mobile credit card. I did not make the charges.

When I made purchases at Exxon, they were for {$10.00} or less. The highest purchase was for {$50.00} plus. 

I closed the account because someone was using new credit cards that I had not received in the mail. Exxon and Citi are not paying attention to details regarding this scam on the Exxon credit card. I closed the account because Exxon was not taking charge and handling my scam issues.

I have given Exxon all the information on the account which you will see in the attachment. I am getting nowhere with them in getting the charges dropped which I did not make. 

I want this dispute resolved in my favor. I am a citizen who is XXXX  years of age. 
I did not make any of the charges. 

I have never let anyone use the credit card or gave out the credit number.
Consumer complaint received 2024-10-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Recovery Management (AL)

On XX/XX/year>, my vehicle was hit by another vehicle that ran the red light. My four-year-old great-granddaughter and I were taken to XXXX XXXX XXXX XXXX by her mother who arrived on the scene of the accident. When I was checked into the hospital by staff, I inquired if I would be responsible for this visit and I was informed that the driver who caused the accident insurance company would be responsible for the medical bill and my visit there. Soon after being checked in, I was taken to XXXX to have a CT scan done. After checking my credit report, I saw that the debt collector Fox Collection Center has sent a collection to all three credit bureaus alleging that I owe them {$1000.00} plus dollars. According to the settlement memorandum from the accident I received from XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX medical bill to my then-attorney XXXX XXXX, XXXX for {$4400.00} XXXX He informed me that he was going to contact XXXX XXXX XXXX XXXX XXXX a lower medical payment. XXXX XXXX sent me another itemized settlement memorandum showing that the agreed-upon amount paid to XXXX XXXX was {$2400.00}. The medical bill was medical according to the settlement memorandum I received.
Consumer complaint received 2024-09-12
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. (OH)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2023-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NJ)

am extremely frustrated and disappointed that I am unable to retrieve my credit report despite numerous attempts to do so. This is not only illegal but also a complete disregard of my rights as a consumer. 

As someone who values financial responsibility, I make it a priority to regularly check my credit report and ensure that everything is accurate and up-to-date. However, due to the credit bureau 's neglect and disregard for their responsibilities, I am unable to access my credit report, leaving me in the dark about my credit standing. 

This is completely unacceptable, and I demand that the credit bureau take immediate action to rectify this issue. As a consumer, I have a legal right to access my credit report, and any attempt to deny me this right is a violation of the law. 

Furthermore, the credit bureau 's neglect is not only inconveniencing me but also potentially damaging my financial future. Without access to my credit report, I am unable to take the necessary steps to correct any errors or inaccuracies, potentially resulting in a negative impact on my credit score and financial well-being. 

I demand that the credit bureau take my complaint seriously and take immediate action to rectify this issue. As a responsible consumer, I have taken the necessary steps to ensure that my credit report is accurate and up-to-date, and it is unacceptable that the credit bureau is neglecting their responsibilities and denying me access to this information.
Consumer complaint received 2024-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of america checking account was closed by their risk management. account number XXXX. I have XXXX XXXX account where I have XXXX plus fund. 


XXXX will not let mw withdrawal to another bank until Bank of america provides a letter with account number stating the account is now closed ( with account number ) I visited over XXXX branch and they said since account is closed we cant provide anything not even a letter. XXXX says your funds are gone now and without letter we cant give you your funds back. 

I am stuked in limbo Please call XXXX
Consumer complaint received 2024-08-30
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: BARCLAYS BANK DELAWARE (CA)

I noticed a fraudulent transaction on my XXXX XXXX XXXX XXXX XXXX account with Barclays Bank Delaware, on XX/XX/year>. The transaction, totaling {$3000.00}, was not authorized by me. I immediately reported it to the credit card company on XX/XX/year>. After their initial investigation, they concluded that the charge was legitimate, a finding with which I strongly disagreed. 

I requested a re-investigation and provided all necessary information to support my claim. Despite my repeated follow-ups, the re-investigation has been dragging on for XXXX weeks, with no resolution in sight. The company has been unresponsive and has not provided me with updates on the status of my case. 

This ongoing delay has caused me significant stress and concern, especially regarding potential damage to my credit score. I am filing this complaint because I believe the credit card company has failed to properly address and resolve the issue, and I am seeking assistance from the CFPB to ensure that a thorough and fair investigation is conducted and that the fraudulent charge is removed from my account.
Consumer complaint received 2024-10-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TX)

A substantial amount of {$3600.00} vanished from my Chime account over six months ago, and despite my diligent efforts, the issue remains unresolved. I have cooperated fully with the banks requests to address this matter, but my funds have yet to be reinstated. Furthermore, another company has disclosed a data breach impacting millions, and I have submitted relevant documentation, including a police report, company letter, and personal statement. However, law enforcement cited the claims magnitude and data breach nature as limitations to their assistance, redirecting me to Chime and the merchant. This marks the second security breach of my Chime account, linked to Claim ID : XXXX, previously approved. The disparity in claim resolution is troubling. As a single mother and XXXX veteran, relinquishing over {$3000.00} is unacceptable. The suspicious transactions appear international, yet Ive been denied merchant information and contact details despite repeated requests. Throughout multiple rebuttals, Ive received vague denials lacking clear explanations, and my requests for managerial intervention and provisional credit have been ignored. Chimes inaction has caused considerable hardship, forcing me to secure a high-interest loan to avoid homelessness. A comprehensive explanation from a manager is overdue.
Consumer complaint received 2024-09-22
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: SYNCHRONY FINANCIAL (FL)

In XX/XX/year>, I purchased a XXXX grooming kit on XXXX using PayPal Credit. After only 4-5 weeks of use, I noticed significant defects in the product, including rusting blades and poor performance of the trimmer and shaver. I suspected that the product might be counterfeit and contacted PayPal Credit to dispute the purchase on XX/XX/year>. They informed me that my dispute could not be processed because the dispute window had closed. 

I sent the product to XXXX for evaluation, and they replaced the blades without my consent. They did not provide any confirmation regarding the authenticity of the product. I reached out to PayPal Credit again on XX/XX/year>, but they did not provide any support or guidance on how to proceed. 

Additionally, I had to pay for shipping costs to and from the service center, which added to my financial losses. I believe PayPal Credit has failed to protect my consumer rights and provide adequate support for a defective product. 

Dates : Purchase Date : XX/XX/year> Contacted PayPal Credit : XX/XX/year> Product Sent to XXXX for Evaluation : XX/XX/year> Product Returned from XXXX : XX/XX/year>XXXX XXXX
Consumer complaint received 2023-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX XXXX  Account # XXXX, Account name : XXXX XXXX XXXX  XXXX Account # XXXX Account name : XXXX XXXX XXXX, 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 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

As a responsible credit consumer, I would like to request that my address be updated to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and my only name on my credit report be changed to XXXX XXXX. This is important because accurate and up-to-date personal information is essential for the proper functioning of credit reporting systems. By updating my address, I will be ensuring that any future correspondence from credit bureaus, creditors, or other parties is sent to the correct location. Additionally, updating my name will ensure that my credit report accurately reflects my identity, which is important for both legal and financial purposes. I appreciate your prompt attention to this matter and thank you for your assistance in maintaining accurate credit reporting information.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MD)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2019-12-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Admin Recovery, LLC (FL)

It's been more than a year that I'm trying to find a way to negociate the debt I have with Visa XXXX XXXX, if I call Visa, they tells me that they can not talk to me, the debt was SOLD to Admin Recovery LLC. I called Admin Recovery LLC and I spoke many times with XXXX XXXX, Vice President of Collection, the debt was {$18000.00}. ON XX/XX/2019, I received a letter from Mr. XXXX stipulating that they cut the debt to {$9000.00} to close my file. Obviously I called Mr. XXXX, and explained that I can not pay this amount in one lumps. He called me back that same week and told me, that he spoke with his contact at XXXX XXXX  - Mr. XXXX told me all the time that Visa XXXX XXXX  never SOLD the debt. He called me back to tell me the lumpsum can be {$7200.00} or {$1500.00} per month for 6 months. I thanked him, but {$1500.00} per month it is too much. I can pay a lower amount but in the meantime I asked if that will stop reporting CHARGE OFF on my Credit File every month, he told me that it will stop once I'm done paying the debt. He told me that he will call back his contact to see if they can do more or reduce the monthly payment. Between XX/XX/XXXX as of now in XX/XX/XXXX, I never heard from Mr. XXXX again. As I am penalize every month by XXXX XXXX  XXXX  that claim they SOLD the debt, but report me at all credit bureaus as Charge OFF, I called VISA on XX/XX/2019. Again same answer, nobody can help me because my debt was sold to Admin Recovery LLC. The same day I called Admin Recovery LLC and samething Mr. XXXX will not take my calls since back in XXXX. Never returned any messages since XXXX. - I was in a total incapacity to be helped or to resolve this situation. Today XX/XX/2019, Mr. XXXX took the call and told me that XXXX XXXX  XXXX  gave him back my file, and confirmed that's why he took the call. He told me, when I asked why he did not answered or returned my calls since XX/XX/XXXX, he said that he did not feel that I will be able to pay. - Nice and encouraging. -- Unfortunately we are turning around, as his numbers {$7200.00} lumpsum or {$1500.00} per month for 6 months, we can not have an agreement. I told him again that I can not commit myself with a high amount of {$1500.00} per month and maybe have other problems. So, the conversation stopped there. Unfortunately.
Consumer complaint received 2024-09-12
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. (CA)

I had a XXXX XXXX XXXX  account in XXXX that was a joint with my ex and it was indeed closed and charged off. The account that is still on my account shows XXXX which is indeed NOT mine was opened in Arizona using my information. I have never lived in AZ not ever been there until XXXX even to visit. I was able to confirm with XXXX XXXX XXXX XXXXXX/XX/XXXX that this indeed is not my account. I have been trying for hate last two years to get it off, and none of the bureaus would do so. XXXX XXXX XXXX has given me a claim number as well for their files as well as for all credit bureaus to use so it may be removed immediately from my record as it is hurting my credit score. That claim number is as follows XXXX
Consumer complaint received 2023-08-01
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. (NJ)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with TXXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-09-12
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. (FL)

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 XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-02
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (VA)

Synchrony Bank Amazon credit card lowered my limit without notice from $ XXXX to {$100.00}. I had just paid it off in full besides a last huge interest payment that they tacked on after I paid the card off. Because they did this, I closed the account. The reasoning they gave was arbitrary, stating they had the right to reassess credit limits based on their discretion. I rarely had a late payment, never missed a payment, and had just paid it off in full. They will cause me to take a drastic hit to my credit because of this. That is why I canceled the card. I might as well take that credit hit now so that I can recover later! They let me know about this decision today XX/XX/year> and I quickly cancelled the card today XX/XX/year>. The letter is dated XX/XX/year>.
Consumer complaint received 2024-10-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Onity Group Inc. (NJ)

I have a mortgage with PHH mortgage company. Start date of XXXX with XXXX term. I been paying biweekly and in XXXX started paying {$200.00} extra each payment. Upon inquiring with PHH few times, every summer support person gives me different answer. I got the transaction history for last XXXX years which is attached ( only XXXX ). I wanted to know based on my payment ( biweekly plus extra ) what will be my maturity year. There response is ( today spoke to XXXX, XXXX ) told me it will reduce by only XXXX years which doesn't make sense. I think something fishy going on within the company. Please look into the matter. I appreciate your time and help. 

Thank you XXXX XXXX
Consumer complaint received 2024-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION (GA)

On this day XX/XX/year>, I representing agent, had a conversation with XXXX XXXX from Truist Bank regarding the credit inquiry made on behalf of an LLC. During this discussion, XXXX XXXX openly expressed that Truist Bank would not remove the credit inquiry from my credit report despite my credit application being denied. Furthermore, it was revealed that a credit card ending in XXXX was issued that I never received without my knowledge or consent, constituting a violation of both U.S. law and common law principles protecting my personal and financial information. Truist Bank was formally notified of the unauthorized credit inquiry and the fraudulent credit card issued, demanding a response within seven ( 7 ) business days of the date received. Truist Bank has defaulted by failing to respond or resolve the matter in the given time frame, thus waiving its right to dispute the facts presented.