davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/year> I filed XXXX separate claims for fraudulent charges on my checking account. I explained to them that I need the credit and filed XXXX separate escalation requests. I have several bills I am behind. I had to take a payday loan out to pay my rent and explained to the bank that the institution I Cash my checks with is who gave me the loan and I can not do business with them until the loan is paid. I cash my checks there to build and show proof of income as they are the only people who will give me a loan. They refused to give me the credit. Told me I have to wait XXXX days and allowed the institution to overdraw my account. Im now negative XXXX in my account and called the bank and explained to them that I dont have money for food or anything now and they refused to escalate the claim or issue me a temporary credit. Ive been with this bank for XXXX years and the fact that they are willing to let me starve while they investigate XXXX separate claims of fraud that they let happen is disgusting. Ive called XXXX times in XXXX hours and constantly get a different answer from everybody. Ive had to get XXXX different debit cards in XXXX days because they block or hold my account for every transaction. Theyve made me habitually late to work and now Im going to get fired for not having a way to be transported back and forth to work because they refuse to give me the credits and took what little money I had left to pay the loan. And left me negative money. Ive never been more disgusted in my entire life. I havent had anything to eat in XXXX hours and they expect me wait XXXX  days for a credit to be issued. I told them my phone was going to be turned off and a XXXX told me to use a pay phone. Are you kidding me? A associate and supervisor I spoke to XXXX when I asked to speak to his manager told me he didnt have one, was rude, dismissive and disrespectful the entire time and habitually lied to me and gave me wrong information because he didnt want to deal with me. Put me on hold everytime he felt like he didnt want to hear me and completely disregarded the fact that this bank is willing to let me starve than escalate my temp credit. Ive never been more disgusted my entire life.
Consumer complaint received 2024-06-12
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (FL)

I used a city furniture/ synchrony card for a purchase a year ago ; when signing up for the card, they did not disclose that the amount financed had to be fully paid in 12 months. As per Synchrony Bank, that was a promotion period of 12 months. I have been paying more than the minimum payments for the card since last year. I financed {$4600.00}, paid for 12 months bringing it down to {$3200.00}, now effective XXXX XX/XX/year>, synchrony bank without giving me any notice added {$1500.00} to my balance of {$3200.00}, bringing the total back to {$4600.00}, so technically I have not only paid {$1400.00} but now with the new balance of {$4600.00}, I have to pay {$4600.00} on top of {$1400.00} that's being already paid. That is extremely unfair, and Synchrony Bank is thugs cheating law-abiding citizens of the US and this treatment of them is racially motivated against me. Please help me.
Consumer complaint received 2024-06-10
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)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-06-25
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DriveTime (CA)

Was a car loan labeled as a retail installment contract and security agreement but I found it was really a credit application 15 USC 1692e misleading representation 15 USC 1692J False and deceptive 15 USC 45 Unfair methods of competition 15 USA 1605 15 USC 1602
Consumer complaint received 2024-06-10
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. (NY)

This is my 4th endeavors 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 records 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2024-06-10
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: Experian Information Solutions Inc. (NV)

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/year>2024 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Request for Removal of Duplicate Reporting of Charged-Off Account Dear Sir/Madam, I am writing to formally request the removal of a charged-off account that is being inaccurately reported twice on my credit report. This account, which has been sold to XXXX XXXX, is listed both as a charge-off by XXXX XXXX and as a collection account by XXXX XXXX. This duplicate reporting is not only inaccurate but also a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information on credit reports must be accurate and not misleading. 

The details of the account are as follows : 1. **Original Creditor : ** XXXX XXXX 2. **Account Number : ** XXXX 4. **Collection Agency : ** XXXX XXXX According to the FCRA , specifically Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute any inaccurate information on my credit report. Reporting the same debt twiceonce by XXXX XXXX and once by the collection agencyconstitutes inaccurate and misleading information. 

I request that XXXX XXXX immediately correct this error by removing the charged-off account from my credit report. Please provide me with written confirmation once the correction has been made. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (GA)

This claim is made to dispute the reporting of late payments on my credit card account number XXXX with Navy Federal Credit Union. I have not received any billing statements or notifications of late payments from Navy Federal Credit Union 1a ). This violates 15 U.S.C. 1666c ( a ), which requires creditors to send periodic statements at least 21 days before the payment due date. There has been no communication informing me of the billing cycles or due dates for my payments during the specified periods. This is contrary to the requirements of 15 U.S.C. 1637 ( b ). I have made several attempts to resolve this issue, including contacting Navy Federal Credit Union and the credit bureaus to inquire about the missing billing statements and the erroneously reported items on my credit report. 

I formally request that Navy Federal Credit Union correct the inaccuracies in my credit report by removing all reported late payments that do not comply with statutory requirements, as outlined in 15 U.S.C. 1681s-2 and UCC 9-210 . Specifically, UCC 9-210 grants me the right to request an accounting or a list of collateral and imposes a duty on the secured party to provide such information within 14 days of the request. 

Specific Incidents Non-Receipt of Bill Documents : I have not received any billing statements or notifications of late payments related to my account. This failure to provide the necessary documents means I was not made aware of any impending payment due dates or late payment statuses.

2. Lack of Notification : There has been no communication, whether by mail or electronic means, informing me of the billing cycles or the due dates for my payments 21 days before it was due. This lack of notification directly contravenes the statutory requirement to ensure that periodic statements are delivered no later than 21 days before the payment due date. 
XXXX. Reporting Errors : The high credit reported by XXXX as {$0.00} is inconsistent with XXXX and XXXX, suggesting a reporting error. This inconsistency violates 15 U.S.C. 1681s-2 ( a ), which mandates that furnishers of information must provide accurate information to consumer reporting agencies. 
XXXX. Payment History : XXXX and XXXX show 30-day late payments for XXXX, XXXX, and XX/XX/2024, while XXXX reports these months as " OK ''. If these late payments are incorrect, this inconsistency could violate 15 U.S.C. 1681s-2 ( b ), which requires an investigation and correction of any inaccuracies when disputed by the consumer.
Consumer complaint received 2024-06-26
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. (DC)

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 Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2024-06-11
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)

" 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : 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 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (GA)

This claim is made to dispute the reporting of late payments on my credit card account number XXXX with NAVY FEDERAL CREDIT UNION. I have not received any billing statements or notifications of late payments from XXXX XXXX XXXX XXXX XXXX ). This violates 15 U.S.C. 1666c ( a ), which requires creditors to send periodic statements at least 21 days before the payment due date. There has been no communication informing me of the billing cycles or due dates for my payments during the specified periods. This is contrary to the requirements of 15 U.S.C. 1637 ( b ). I have made several attempts to resolve this issue, including contacting NAVY FEDERAL CREDIT UNION and the credit bureaus to inquire about the missing billing statements and the erroneously reported items on my credit report. 

I formally request that NAVY FEDERAL CREDIT UNION correct the inaccuracies in my credit report by removing all reported late payments that do not comply with statutory requirements, as outlined in 15 U.S.C. 1681s-2 and UCC 9-210 . Specifically, UCC 9-210 grants me the right to request an accounting or a list of collateral and imposes a duty on the secured party to provide such information within 14 days of the request. 

Specific Incidents Non-Receipt of Bill Documents : I have not received any billing statements or notifications of late payments related to my account. This failure to provide the necessary documents means I was not made aware of any impending payment due dates or late payment statuses. 
XXXX. Lack of Notification : There has been no communication, whether by mail or electronic means, informing me of the billing cycles or the due dates for my payments 21 days before it was due. This lack of notification directly contravenes the statutory requirement to ensure that periodic statements are delivered no later than 21 days before the payment due date. 
XXXX. Reporting Errors : The high credit reported by XXXX as {$0.00} is inconsistent with XXXX and XXXX. This violates 15 U.S.C. 1681s-2 ( a ), which mandates that furnishers of information must provide accurate information to consumer reporting agencies. 
XXXX. Late Payments Reporting : XXXX shows XXXX late payments for XXXX and XX/XX/year>, while XXXX and XXXX do not report these late payments. This inconsistency is a clear violation of 15 U.S.C. 1681s-2 ( b ), which requires an investigation and correction of any inaccuracies when disputed by the consumer.
Consumer complaint received 2024-06-26
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. (FL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/year>
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-06-26
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. (FL)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following items to be updated or removed from my file right away XXXX XXXX XXXX Balance Owed : {$270.00} XXXXXXXX XXXX XXXX Balance Owed : {$23000.00} XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$710.00} XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX & XXXX XXXX XXXX Balance Owed : {$990.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} XXXX XXXX Bankruptcy Dismissed Date Filed/Reported XX/XX/XXXX Reference # 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 Balance Owed XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/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 ) XXXX # XXXX - XX/XX/XXXX XXXX ) XXXX  - XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX - XX/XX/XXXX XXXX ) XXXX - XX/XX/XXXX XXXX ) XXXX  - XX/XX/XXXX Here I attach, XXXX XXXXh the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

The accounts below have violated my rights. 

* 15 U.S.C 1681 section 602A. 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 an 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 ) ( a ) 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.

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Consumer complaint received 2021-04-16
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. (FL)

Someone open an account in 2017 in my name and it was open fraudulently I tried to get in contact with XXXX XXXX XXXX XXXX Bank at XXXX XXXX and writing them at their address at XXXX XXXX XXXX XXXX XXXX Utah XXXX ) about the secure credit card that was closed for {$66.00} due balance the account was open and XX/XX/2017 I did not open this account it was done against my will someone stole my identity I have an identity protection number from the IRS as a result please remove this account immediately as it was opened fraudulently. This has already been removed deleted as it has shown it was fraudulent off of my XXXX report I would like for this to be forwarded to Equifax so that this can be removed from my Equifax consumer report as it was opened fraudulently
Consumer complaint received 2024-06-10
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (NJ)

Recently I was looking at my credit report because I am trying to buy a house. I noticed Navy Federal reporting late payments on my report from this year. I am confused because I was reading the fcra online and 15 USC 1666b says late payments are not to be reported. The reporting of this adverse information is affecting my ability to obtain a loan and properly support my XXXX XXXX XXXX.