davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (MA)

My monthly rent is {$3000.00} and my landlord prefers to receive rent payments via XXXX. My existing checking account ( with a different bank ) has a daily XXXX limit of {$2500.00}, so I searched around and found on Chases website ( https : //www.chase.comXXXX ) that, From Consumer Chase checking accounts, you can send up to {$5000.00} in a single transaction. This is the sole reason I chose to open this account with Chase. 

Unfortunately, after opening and funding the account, I attempted to send my rent payment and received an error stating that my limit is {$2000.00} per day. I called XXXX but XXXX directed me to call Chase ; I called Chase but was told this is determined by XXXX so there is nothing that can be done. Upon further investigation, I noticed that the XXXX Service Terms ( PDF ) linked from the Chase website ( just below where it states the limit is $ XXXXtransaction ) actually states an entirely different limited. In the Transfer Limits section, the linked PDF ( available here : XXXX XXXX XXXX # XXXX ) states that the per-transaction and per-day limit is just {$2000.00} for consumer Chase accounts, rather than the {$5000.00} figure shown on Chases website. 

So, which is it? {$2000.00} or {$5000.00}? If it is {$5000.00}, I need Chase to correct my artificially low limit so that I can use this account for the purpose it was created, which is to send my rent payments in {$3000.00} increments. 

I am very upset at the misleading marketing that advertised a {$5000.00} limit that appears to be a lie or is at best is a theoretical possibility. No one at Chase has been able to tell me when, if ever, my {$2000.00} limit will be increased, so advertising a {$5000.00} limit is manipulative. Again, the {$5000.00} limit is literally the ONLY reason I opened this account with Chase. It is important that this get resolved.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am XXXX XXXX, and XXXX 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 XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2023-09-21
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. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report
Consumer complaint received 2023-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I keep on escalating this issue to all credit bureaus, concerning these closed accounts that were tagged as negative and late payment, and I havent received any updates nor seen any changes from my credit report until now. These accounts were supposedly deleted. I have filed an Identity theft before and have sent them copy of it but I received NO resolution from their side.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I just checked again my XXXX, Experian and XXXX credit reports and I can see account reporting inaccurately. This is a violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see attached file below
Consumer complaint received 2023-09-21
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)

Hey my name is XXXX XXXX XXXX. I have discovered unauthorized fraudulent inquiries on my XXXX XXXX credit report THERE ARE XXXX  XXXX XXXXXXXX INQUIRIES And XXXX XXXX XXXX XXXX  service inquiry DATED FROM XX/XX/2023, XX/XX/2023, XX/XX/2023 XX/XX/2023 XXXX XXXX XXXX XXXX15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These inquiries should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCT of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delete the inquiries, listed IMMEDIATELY!
Consumer complaint received 2023-06-20
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (NC)

XX/XX/2023, I made a payment of {$23.00} to Synchrony Care Care via Synchrony Bank over the telephone. 

The identification process went well. Less than XXXX minutes later I called to go ahead and order a new card as I had misplaced my present Synchrony Car Care Card, At this point the telephone number that I had given XXXX minutes ago was no longer valid. According to the representative the old phone number was still on the account that I had had over 3 years ago. 

This is not true. Over XXXX years ago I took off the number XXXX. For over 2 years. I called and changed the number with a representative and never used that number again during the past XXXX years. 

I have been giving my correct number as XXXX which has always been identified until this person name XXXX and XXXX accepted my calls. 

XXXX and all related Synchrony accounts has my telephone number as XXXX. The other number should not have been on my account, XXXX. 

Both seem to not care if I remained a consumer or not. 

There is something very wrong here as my number has been the same for nearly 2 years and I have never ever had this problem with authentication. 

The call can be pulled where I made a payment and stated that I may have to call back to secure a new card as I could not find the old card. 

XXXX, verbally attempted to belittle me when I asked him to repeat his title. 

I could not get a new card sent to me. 

At this point, I will not be responsible for any charges made on this card number.
Consumer complaint received 2023-12-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC. (TX)

We opened an account ( Spending account ) with Ally after receiving a promotional offer. The promotion specified opening an account, funding with {$1500.00} or more and the account owner would receive {$200.00} in 30 days. I've fulfilled the promotion but there has been no promotion credit. Upon contacting Ally customer support and speaking with various supervisors in the past XXXX weeks, I was told the back office would honor the promotion. Yet, there is no time frame and there has not been any credit in my account as of today. I would like Ally to honor the promotion and deposit the promised bonus in my account so we can move on. I have screenshots of the promotional code as well as the application attached to this complaint. 

XXXX XXXX
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX  to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX Balance : {$3400.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX  Balance : {$0.00} XXXX XXXX Balance : {$2800.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX  XXXX Balance : {$450.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX Date XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Date of Inquiry : XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX  Date of Inquiry : XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX XXXX of Inquiry : XXXX XXXX XXXX XXXX of Inquiry : XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX of Inquiry : XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX Date of Inquiry : XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have disputed for over a year trying to get help resolving the removal of an account fraudulently used/opened in my name appearing on my credit report. Disputes with XXXX  and Equifax had started early 2023, and they told me they verified I indeed own the account and to take it up with XXXX XXXX. This matter has Been brought up in civil court and dismissed with prejudice, so I have redisputed the fraudulent account with court documents detailing this. Both credit reporting agencies refuse to remove account, and advised me to again either follow up with XXXX XXXX ( who refused to investigate fraud and had to go to court to finally give up on case and dismiss ), or file a complaint. XXXX was able to remove the account from my report with them with same provided documentation.
Consumer complaint received 2024-05-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (GA)

On XXXX of 2023, my account was frozen an i could not sign in or have any access to account. When i called the bank they told me i had to send a notarized letter so they can comunicate with me. Since i was outside country i wasnt able to provided this information. On XXXX of this year when i returned to the country i called the bank again but they were able to verify my identify by sending a text to my phone. It was the bank was able to communicate with me and they explained that my account was closed because i didnt sent the notarized letter as requested. They then explained that the account was put on hold because of suspecious activity. When i asked about the funds that were in the account they explained that it was sent to unclaimed property. When i asked what in what state for unclaimed property they explained they didnt know. I continued to call several weeks later until someone from the bank XXXX department was able to reseach further on my account and agreed to reopen a new account for me and have the funds that was in the other closed account put into the new account. On XXXX the new account was opened and i was told to wait for the funds to be returned. Today is XX/XX/XXXX and the funds has still not been put in the new account like they explained. I have been calling weekly only to be told to just wait. XXXX is able to give me qny other solution and i have been waiting for 3 months now.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. ()

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-12-03
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Re : Account ending in XXXX, XXXX Capital One Case XXXX CFPB Case : XXXX The Law says 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I decided not to have any information shared with any XXXX parties and any contract I had with Capital One is revoked! You damage my reputation, welfare and credit to where I'm being refuse to open a bank account YOU DONT HAVE PERMISSION to SHARE any of My INFORMATION
Consumer complaint received 2023-11-07
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)

I pulled a copy of my Equifax consumer report and noticed an item I would like to dispute. It is as follows : Creditor : XXXX XXXX XXXX Account Number : XXXX Reason : This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the reported account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for negligence. Please DELETE this item from my consumer report! 

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 account listed without my expressed written consent.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

Dear Equifax I see that you verified the account listed below : XXXX | XX/XX/2023 : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, XXXX is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Consumer complaint received 2023-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (MA)

Synchrony bank keeps adding a phone number which does not belong to me as the only option for 2fa verification. This has prevented me from accessing my account online as I can not login using any phone number that belongs to me. I have repeatedly contacted synchrony bank to ask for assistance with this issue and have been repeatedly told that the phone number is being updated and I should try again in 24 hours.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NY)

I am writing to formally dispute the validity of an account that appears on my credit report. The accounts in questions, XXXX, XXXX, XXXX, XXXX has been reported as opened without my authorization and contains charges that I did not make. I became aware of potential identity theft and fraud concerning my personal information back in 2020. As a precautionary measure, I contacted the appropriate authorities and was advised to freeze my credit until the issue was resolved. Despite taking this action, it appears that my concerns were not adequately addressed, and unauthorized activity has still occurred on my credit report. Under the Fair Debt Collection Practices Act, Section 1692c ( e ), I am entitled to dispute the validity of any debt claimed by a debt collector. I am exercising this right and requesting immediate removal of the aforementioned account from my credit report. I urge you to conduct a thorough investigation into this matter and provide me with written confirmation of the actions taken to rectify this situation. Additionally, I request that any charges associated with this unauthorized account be removed promptly to prevent further damage to my credit standing. Please consider this letter as a formal request for resolution under the provisions of the Fair Credit Reporting Act. I expect a timely response and resolution to this matter. Thank you for your prompt attention to this issue. Sincerely, XXXX XXXX