davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Razor Capital, LLC (MI)

I moved in XX/XX/XXXX XXXX miss read broken meter. This was disputed and resolved with my credit reports and razor capital. Send them documentation XX/XX/XXXX. Now XXXX is trying to collect with a false statement. ( Bill ) No payment was ever made on this account - no proof of payment has even been made. like I said i did not reside at this address for 5 years. with wahat the payment was made?? proof Check or credit card and the account number that it was paid from? This is a fake bill and they are illegally try to collect on a debt that is no longer even valid by sending a fake bill.
Consumer complaint received 2023-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay. I kindly urge you to rectify this situation immediately and ensure that my account accurately reflects my history of on-time payments.
Consumer complaint received 2024-09-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/XXXX I realized my bank account had been compromised with several dozen fraudulent transactions that were approved for timeline of XXXX weeks. I realized this upon logging into my online banking, not by an alert from bank. I opened up claim online through app, which immediately caused my account to be locked and debit card replaced. 
Claim number : XXXX Was initiated that day and I included the amount for over {$3000.00} dollars. It was only auto approved for {$44.00} dollars a week later. Upon calling Truist to follow up on XX/XX/XXXX since I had not received additional information, I was told that when you do claims through app that happens where all charges are not submitted. Also on this call the representative offered to redo claim. I allowed and went through each charge as listed. The second claim number : XXXX was opened on that day. Fast forward where I still have not received communication back, I called again on XX/XX/XXXX. On this day I spoke to another representative that stated the claim was denied due to me stating that I had never used the merchant before. Which is completely false, in fact the representative never asked me that question, I encouraged the rep to even open up an investigation on the recording as I know I wouldnt have stated that. The unauthorized charges came from XXXX and days before I had several authorized charges from them due to a family trip that was done completely by me. Further explaining this to representative, she stated she could send it up to be reviewed again with the information that the merchant is XXXX I use. Today XX/XX/XXXX again not hearing any communication back, I call to be given that the claim is still denied based on a question I was never asked. On charges I never authorized. From a bank that allowed duplicate charges and over a span of a week for my account to be depleted during a time of need. I am highly disappointed as I have been a Truist/BB & T member for over 10 years and never had any sort of fraud ever. The one time I do my banking institution is failing at addressing or doing a investigation. They havent stated that they found charges came from me at all, simply that because one representative put a no where it should have been a yes, that I am now at a loss of XXXX dollars I never spent. I do not recommend Truist for any serious financial dealings at it is clear they dont care when you are a victim to a scammer. I will be closing all XXXX of my Truist accounts in next several weeks to ensure that my bank institution is SECURE.
Consumer complaint received 2017-05-17
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)

I sent a reinvestigation/dispute letter dated  XX/XX/2017    by certified mail to Equifax. The letter shows delivered on  XX/XX/2017    per the certified mail tracking number on the USPS website.      ( Tracking #   XXXX   XXXX   XXXX   XXXX   XXXX   ) As  of today 's date,  XX/XX/2017    I have not received any type of notice, or updated credit report in the mail. I have also sent a copy of the letter along with the evidenceof tracking to them again. Furthermore, the accounts that I am disputing on this letter were unverifiable and removed from my  XXXX  and  XXXX  report so I am not understanding how Equifax can say that they are verified with them but did not verify the other CRA 's.
Consumer complaint received 2023-07-06
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

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 credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (IL)

On XXXX XXXX I initiated a consumer credit transaction with my SSN also referenced by congress as a credit card, pursuant 15 USC 1602 ( I ) The term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' The purpose of this consumer credit transaction was to obtain a credit card, I was denied access to my open ended credit. As a consumer, natural person, and original creditor I have an open-ended credit plan, it is unlawful to deny me of my own credit. I am requesting that your department reassess my consumer credit transaction/application and approve my application as a denial is unlawful, goes against congressional law and makes your organization civilly liable for non-compliance pursuant 15 USC 16810 , 15 USC 1640, 15 USC 1691e .

Further more, pursuant 15 USC 1691 ( a ) - Activities constituting discrimination, do so state " It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction- '' A denial of my open ended consumer credit constitutes to discrimination.

Pursuant 12 USC 1431 Powers and Duties of Banks and Credit Unions have power to borrow money, issue bonds and debentures, therefore you are unable to lend a consumer, natural person, and original creditor anything.
Consumer complaint received 2024-09-21
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. (IL)

The account XXXX is showing on my credit report negatively impacting my credit the company has been unable to provide actual proof of contract of original debt nor produce 1099 proof of charge off I demand that pursuant to my rights under the FCRA Act that this be removed
Consumer complaint received 2023-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma (OH)

On the evening of XXXX XXXX using the Credit Karma website I applied for a Pedal Visa from Web bank.The advertisement said " outstanding odds ''. There was also a reference to " will not hurt your credit ''. After filling out and submitting the application I was immediately refused for the card and received an email saying " notice of adverse action '' listing several ridiculous reasons. This is in my opinion deceptive and as I understand this is not the first time Credit Karma is guilty of this.
Consumer complaint received 2020-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CO)

On XXXX XX/XX/XXXX, an associate deposited XXXX XXXX XXXX dollar checks to my and my wife 's joint checking account at a Chase Bank. The checks where issued by XXXX XXXX in XXXX, through XXXX XXXX, and brought to the U.S. by my associate. 
The checks appeared in our account with a " hold '' that expires XXXX XX/XX/XXXX. 
I understood that the funds had to be held until they cleared, but when I tried to deposit a personal check, using on-line checking, I was not permitted to make any deposit or transfer any funds from my Chase savings account. 
I contacted Chase and eventually I was connected with the fraud department. They told me that the five checks were " suspicious '' and were being " held '', and they had a " high probability of being returned ''. I told them that I could see on-line that {$5000.00} was being held, but I should not be barred from making deposits, or transferring into my checking account from my savings account. I was also worried that automatic deposits or payments would not be allowed. 
The Chase representative then told me that my accounts were " restricted '' and could not be used until the checks were " returned '' around XXXX XX/XX/XXXX, and that I would have to go to a Chase bank in person to " clear '' the " restriction ''. 
I traveled to a Chase bank outlet and talked with a banker who called the fraud department, and was told the same story, that I could not use our accounts until the " checks were returned '' My accounts still show " available balance '' {$5000.00} less than the " present balance '', and will not allow me to make any transactions.
Consumer complaint received 2024-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I was the victim of a scam. The money I sent to the scammer where sent through my checking account in Bank of America via a wire transfer ( 1 payment ) and ACH ( 2 payments ). The scam was an imposter scam, where the scammer was posing as a top tennis player, XXXX XXXX. As soon as I realized it was a scam, I contacted my bank, Bank of America to request to recover the funds. The funds were sent to a XXXXXXXX XXXX account. I reported the scam to Bank of America on XX/XX/XXXX, and they sent me documentation to sign a Scam Victim Acknowledgement document on XX/XX/XXXX. I have not heard anything from Bank of America since then. I contacted them in late XXXX, XX/XX/XXXX, to ask for progress on the situation, and they said they have contacted XXXXXXXX XXXX  but have not received a response yet. Time to resolve the issue is running out, and I would like to make sure the banks are working on recovering the funds.
Consumer complaint received 2024-09-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Tuesday XX/XX/XXXX I completed a application online for a bank account and the XXXX was unable to verify identity. In bank 's computer database is an image of I from XXXX with a fake name XXXX XXXX with my person that is a XXXX XXXX XXXX to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX in the flesh owned by XXXX XXXX XXXX than issued a legal name for free finances and the XXXX has a fake name associated to I she uses to deny me finances. I am brain dead from pledge of allegiance without XXXX XXXX and I need assistance. A XXXXXXXX XXXX XXXX associate keeps interfering with for profit work force and customer when I plan to schedule appointments in the name of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that claimed to know the future and was supported by a XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (FL)

In XXXX I opened a Barclays Card XXXX XXXX Master Card, a promotional offer on an XXXX XXXX flight. I subsequently never used the card. On XXXX XXXX, XXXX I was advised the account has been closed due to delinquency. I contacted Barclays on XXXX XXXX, XXXX. A " representative '' researched the account, found the {$99.00} amount " due '' was only for an annual membership renewal and that I had never used the account. I stated I wanted the account closed, the membership fee credited and the derogatory delinquent status removed from the credit bureau reporting. The representative, after looking at my other XXXX Barclay Card long history and good-standing, stated that he would do precisely that. I was provided a case # XXXX. I have since found the derogatory status has reduced my XXXX score from XXXX to XXXX. 
I contacted Barclays today as I had previously requested to be copied on communications to the credit bureaus. The " representative '' today was much less helpful, unable to provide confirmation of anything ( other than confirmation of the case # ) and  basically told me to file a claim with " FCRA ''. I do not feel that Barclays is cooperating in this matter in a timely nor professional, informative matter. I would like reassurance that the proper, agreed upon info is sent to the credit reporting agencies.
Consumer complaint received 2024-09-20
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. (CA)

some one used my information to apply for credit without my knowledge. Please remove these inquiries 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries. Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title. a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer Ally Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Consumer complaint received 2024-09-11
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. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-11
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. (PA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NY)

I have filed a dispute claim with Citi bank credit card in XXXX of XXXX after my card was stolen and used to make an unauthorized purchases. I contacted citi bank to notify them of the issue and make a claim I also updated my address on file because I recently moved to a new apartment in the same complex. I was sent a new card however the card was sent to the the incorrect address which was the old address. Once I received the card I contacted citi bank once again to notify them that they still are sending me mail to the incorrect address after I gave them the new address prior to the mail being sent. After the call I was then told my account is restricted. I received a new letter in the mail stating my account is restricted. I contacted the company and they stated that im going to get another letter in the mail with a code. It is now XXXX of XXXX I still have not received this letter and have contacted them every week regarding this matter and they are still not resolving the matter nor have they resolved the dispute.
Consumer complaint received 2020-01-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Armada Corp. (WA)

Found the debt on my credit report. I have tried to reach the collecting agency Armada Corp phone number XXXX. I tried to contact the XXXX clinic of the XXXX. They gave me the phone number of the billing department for them which is XXXX XXXX. They couldn't find my debt anywhere. I tried for a month unsuccessfully. Thank you.
Consumer complaint received 2023-05-01
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. (MO)

This is XXXX XXXX and I am submitting this CFPB Complaint to follow up the first CFPB Complaint I submitted requesting the removal and deletion of the fraudulent accounts and information off of my Credit File in accordance with the Fair Credit Reporting Act section 605b. On XXXX XXXX XXXX, I sent a dispute letter with complete atachments of my personal identifying documents with the FTC report I received from the FTC for reporting the fraudulent activities I found on my Credit File. I made research on how to remove the fraudulent items off of my Credit File and found that under the protection of the Fair Credit Reporting Act section 05b, I can request to the Credit Reporting Agencies to conduct an investigation on my Credit file and remove any accounts and information that resulted due to the fraudulent activity. Once again, I am requesting that the Credit Bureaus remove the following items off of my Credit File as soon as possible : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} 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 XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. If the Credit Bureaus find any documents that may support the claims that the disputed items belong to me, I request that the Credit Bureaus send me copies. However, if the Credit Bureaus find no such documents, immediate deletion of the disputed items is to be expected.
Consumer complaint received 2023-07-03
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: EQUIFAX, INC. (MD)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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.