davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC (TN)

I have an ongoing insurance claim through Flagstar Bank ( claim # XXXX ) that is not being resolved. I submitted my check in the amount of {$36000.00} and documentation on XX/XX/23. I was told on 4 occasions by XXXX XXXX that all the documentation was received and accepted. Each time I never received the endorsed check back so that I could pay my contractor for the repairs. Each time I called XXXX to find out when I would receive my funds, I was told that a different piece of documentation was rejected. This was after I was told on 4 occasions that all the documentation was satisfactory. 

As of XX/XX/23 I still have not received the check back in order to pay the contractors as now there is a supposed issue with the contractors W-9. Once again, I was told previously by XXXX XXXX multiple times that the documentation was fine and that the check was being sent to me. The contractors are upset, rightfully so, that they still haven't received payment for the repairs they've done in XXXX and are threatening to take legal action against me if they don't receive payment. Flagstar 's deceptive practices are causing me potential legal issues that will affect my ability to continue to pay for my home.
Consumer complaint received 2023-02-16
Product: Credit card or prepaid 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: Comerica (DC)

Name : XXXX XXXX XXXX Case # XXXX RE : Escalation of dispute claim I am providing this email to serve as my statement for Dispute Claim number XXXX about unauthorized charges from a vendor, XXXXr, that took place on XX/XX/XXXX and XX/XX/XXXX that I didn't authorize and I don't know this merchant. They also attempted {$150.00} to the card ending in XXXX today, XX/XX/XXXX. I filed a dispute with Direct Express and they denied my claim even though they are aware that my card was locked when this merchant fraudulently obtained monies from my account. 

My debit card was locked and this merchant fraudulently obtained monies from my account totaling {$830.00} and I'm also requesting that the monies be returned immediately, as this has caused a financial hardship, due to my card being disabled. I would also like to have the fees associated with having to expedite my card on the two dates, XX/XX/XXXX and XX/XX/XXXX to be returned in the amounts of {$13.00} each and the associated {$4.00} card replacement fee to be included as well. 

I contacted the merchant and they informed me that since I don't have an account with them I need to dispute this with my bank. I spoke to them again today because of their newest attempts and was told the same thing. I informed them I'm having them investigated for fraud and they hung up on me. 

I am requesting the escalation of this dispute because the original claim was closed without investigating the fraud that has occurred. 

The following are the charges, including their dates be included with the provisional and investigated claim : {$220.00} - XX/XX/XXXX {$90.00} - XX/XX/XXXX {$200.00} - XX/XX/XXXX {$160.00} - XX/XX/XXXX {$160.00} - XX/XX/XXXX Thank you in advance for your assistance due to this fraudulent and unauthorized activity. 

XXXX XXXX XXXX
Consumer complaint received 2024-07-19
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. (GA)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-07-15
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. (MO)

I am writing to express my profound frustration and concern regarding the persistent presence of fraudulent items on my credit file, despite multiple attempts to rectify the situation. This ongoing issue not only poses a severe threat to my financial stability but also raises urgent security concerns. I urgently seek your assistance in resolving this matter. I urgently request the following actions : Immediate and expedited review of the documentation provided in support of the disputes. Fast-track removal of the fraudulent items from my credit file to prevent further financial and security risks. Transparent communication outlining the resolution process and the steps taken to address this matter urgently. Attached, please find copies of the supporting documentation, including [ list the documents attached, such as police reports, identity theft affidavits, etc. ], for your reference during the expedited investigation. I emphasize the critical nature of this matter and the immediate impact it has on both my financial well-being and personal security. I rely on the accuracy and security of my credit file, and it is imperative that these fraudulent items are promptly and definitively addressed. Please help me remove these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-15
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)

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which was involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following account need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-19
Product: Vehicle loan or lease — Title loan
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX To Whom It May Concern : Re : Westlake Financial Thank you for taking the time to read this letter, and I hope your day is going well .Im writing because I noticed that my most recent credit report contains a late payment reported on XX/XX/XXXX for my Westlake Financial account # XXXX. 
I called for an extension agreement deferred payment on XX/XX/XXXX for my account confirmation # XXXX I made a payment of {$210.00} instead of the normal {$50.00} payment to defer a monthly payment. I will include proof of confirmation emails from prior arrangements along with this letter to help my case. I was told if the system reports it late and its not processed in time Westlake will have no problem removing the error. 
I called for a deferred payment on XX/XX/XXXX for my account confirmation # XXXX $ XXXX XX/XX/XXXX payment {$190.00} confirmation XXXX and another payment on XX/XX/XXXX {$180.00} confirmation XXXX, for a total of {$580.00} received before 30 days. 


Best, XXXX XXXX
Consumer complaint received 2024-06-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (OR)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Indie Technology DBA Found (NC)

On XX/XX/year> I lost my debit card but was unaware of its absence until the next evening. Remembering having it the day before, I believe I misplaced it in my home because I went out to eat and came straight home. Dont pay it any mind and used my card via XXXX  until I realized I was missing funds. Immediately I called the company and they do not have customer on the weekends. I sent a message but didnt get a response until today. I was then told how to file a dispute although the way the site shows you is totally different than the regular instructions. I provided proof to the company that I indeed did not authorize the transactions and that my card was stolen by a family member. One of whom does not reside with me. They insisted that she used my pin. My pins are all the same. She has used my XXXX XXXX XXXX in the past and made an educated guess. Thats just my assumption. No real proof. However, the frequency and time I use suggest fraud as, when I do use the card it is not that frequent and not in those amounts. I would be more than willing to press criminal charges if thats what it takes to get my XXXX However the outright denial and holding me responsible for a crime that has been committed against me is unacceptable
Consumer complaint received 2024-07-15
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. (TX)

All of these creditors and financial institutions have committed identity theft with my information. I have revoked my power of attorney and exercised my right to opt out under 15 USC 6802 ( b ), yet they are still reporting on my consumer report, which identifies as identity theft.

In addition to my complaint, I added the FTC REPORT, LETTERS, and the opt out letters I sent in the past.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (IL)

Consumer Financial Protection Bureau 1700 G Street NW Washington, DC XXXX Dear CFPB, I am writing to formally address a concerning issue regarding Barclays Bank 's abrupt reduction of my credit limit without prior notice or justifiable cause. According to established regulations, creditors are required to notify customers before reducing credit limits unless a legitimate risk to the institution is present. During a recent communication with Barclays, I was explicitly informed that there was no risk associated with my account, raising significant questions about the legality and fairness of their actions. 

The sudden reduction of my credit limit has not only violated the terms and conditions of my agreement with Barclays, but it has also had detrimental effects on my credit reporting and scoring. Such actions undermine the trust that consumers place in their financial institutions and reflect a broader issue of customer respect and service. Additionally, on a call with Barclays on XX/XX/year>, I experienced unacceptable rudeness from the representative, further highlighting their disregard for customer treatment. 

I urge the CFPB to investigate whether this practice of reducing credit limits without notice is occurring among other customers within my demographic or zip code. It is crucial that consumers are treated fairly and consistently, with transparency in all dealings. The failure to provide notice not only contravenes regulatory expectations but also creates unnecessary stress and confusion for customers. 

Thank you for your attention to this matter. I look forward to your prompt response and action to ensure that financial institutions uphold their obligations to consumers. 

Thank you. 

Barclays Customer
Consumer complaint received 2022-11-29
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. (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 U.S.C. 1681. 

XXXX XXXX  # XXXX {$920.00} date opened : XX/XX/XXXX, XXXX XXXX-acct # XXXX {$5800.00} date opened : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$9200.00} date opened : XXXX XXXX & XXXX, XXXX-acct # XXXX XXXX XXXX XXXX, XXXX XXXX XXXXacct # XXXXXXXX XXXX XXXX XXXXXXXX-acct # XXXX {$6600.00}, XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXXacct # XXXX {$18000.00} XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX {$10000.00} date opened : XX/XX/XXXX, XXXX XXXX XXXX XXXXacct # XXXX, XXXX XXXX XXXX, XXXX-acct # XXXX ( XXXX ), XXXX XXXX XXXX 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 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 ) ( 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 2024-07-15
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)

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXXXX/XX/XXXX **** XXXX XXXX XX/XX/year>
Consumer complaint received 2024-07-15
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)

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 3 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 Balance : {$6700.00} XXXX XXXX Balance : {$4500.00} XXXX XXXX Balance : {$6500.00} XXXX XXXX  Balance : {$6500.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I located a XXXX XXXX XXXX XXXX through XXXX by the name of XXXX XXXX and XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX ; telephone number XXXX ( XXXX ) XXXX ; and email XXXX. I received a reference and decided to move forward with the purchase. 

On XX/XX/2024, I signed a dog deposit contract that required {$400.00} deposit and {$200.00} for transportation, I have the signed Dog Deposit Contract dated XX/XX/2024 and the Bill of Sale dated XX/XX/2024. The payments were made through XXXX XXXX with my Bank of America XXXX XXXX. There were XXXX payments sent via XXXX XXXX to phone number ( XXXX ) XXXX ( see below ) : XXXX : {$1.00} ( test to make sure payment was accepted ) XXXX : {$390.00} XXXX : {$200.00} The XXXX XXXX XXXX  XXXX  was supposed to be delivered on XXXX, XX/XX/2024. The puppy  was never delivered and I attempted to contact the breeders. The XXXX site, the private message with the breeder and the reference individual ; and the phone numbers were all disconnected. 

I filed XXXX dispute claims with Bank of America on XX/XX/2024. They paid the {$1.00} transaction however they said they are unable to pay the {$390.00} and the {$200.00} transactions because XXXX XXXX is a third party who's responsible for transferring the money from your account to the recipient.They recommend I contact the recipient directly for further assistance with my dispute. I provided Bank of America with copies of the contracts and informed them these individuals were fraudsters so I am not able to contact them to obtain a refund or my money back. 

Under Regulation E, it is my understanding that XXXX XXXX transactions made with a financial institution debit card ( Bank of America ) are covered. In the FAQs in the Transactions section it states that P2P payments can be considered EFTs under Regulation E, and states that any P2P payment that meets the definition of EFT is covered by the Electronic Fund Transfer Act ( EFTA ) and Regulation E. Additionally, this section makes clear that P2P payments that use a consumers debit card to transfer funds, credit-push P2P payments that transfer funds out of a consumers deposit, prepaid or mobile account, and P2P debit card pass-through payments are all considered EFTs which are subject to Regulation Es requirements. 

I can provide you copies of the contracts and copies of the XXXX XXXX transactions if needed. I have been a customer of Bank of America for XXXX  years and have never filed a dispute. Everything seemed legitimate based on the contracts, references etc. I just want my money back and based on Regulation E, I believe Bank of America should pay these claims. I have absolutely no way to contact the merchant, since they were fraudsters! Thank you.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I looked at my report back on XX/XX/year>, and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts DeptedXXXXXXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

XXXX  XXXX open date is not reporting correctly, date last active, date of last payment is not correct, these accounts are not accurate. 

XXXX XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

XXXX  XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

XXXX XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

XXXX XXXX XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

are not complete and accurate.
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: CREDIT ACCEPTANCE CORPORATION (TX)

XXXX5 U.S. Code 1681a - Definitions ; rules of construction 15 usc 1681a ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( Congress didnt said anything about a XXXX score or a vantage score ) ( where is late payment a factor late payment is a factor on the factors of XXXX factors of XXXX are not your consumer ) ( your XXXX score or your XXXX algorithm or whatever XXXX or XXXX is not included in the definition of what your Consumer Report ) 15 usc 1681 ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( if Congress says a consumer 's transactions between the consumer you and the person Corporation was XXXX XXXX XXXX XXXX whoever making the report is not included in your Consumer Report ) ( the term Consumer Report does not include report containing information solely as to transaction then what is a payment history isn't that information solely on just transactions that I have made using that line of credit between me the consumer and that creditor ) ( this section of the law speak on accuracy it speaks on your transactions are not included in your consumer Report ) so I never asked you about accuracy ( the question is does the late payment exist NO IT DOESNT by this definition ) ( so if you are reporting that accurate prove to me prove to me without a shadow of a doubt that you can report a transaction history on my credit. )