davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NJ)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against American Express for charging me illegal junk fees on my charged-off account. 

Account Details : Account Number : XXXX  Account Type : Credit Card Account Status : Charged Off Past Due Balance : {$2000.00} Current Balance : {$6400.00} Junk Fees : On XX/XX/2023, American Express charged me a {$4300.00} in fees on my charged-off account. This fee is excessive and unfair, and it constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and New Jersey consumer banking laws and codes. 

FCRA Violation : The FCRA prohibits credit reporting agencies from reporting inaccurate information on consumer credit reports. American Express 's reporting of this junk fee is inaccurate, as it does not reflect the true balance of my account. The fee is also excessive and unfair, and it is not a legitimate debt. 

New Jersey Consumer Banking Laws and Codes Violation : New Jersey consumer banking laws and codes prohibit banks from charging excessive and unfair fees. American Express 's reporting of this junk fee is a violation of these laws and codes.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Bright Capital Inc (VA)

Bright app charging my debit card {$39.00} which I did not authorize nor did I get a warning email beforehand. Ive asked them to cancel my account and refund all of my money back. This has caused my bank account to overdraft due to what theyve taken out.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

This is a long on going problem with XXXX and now XXXX. Please review previous complaints filed - # XXXX and # XXXX. I have now received a letter from XXXX  that they are again collecting on this debt that was dismissed in court in my favor due to XXXX NOT providing ANY proof that this is my account and debt. On previous complaint XXXX sent a reply that this would be resolved from my credit of all three agencies! I received a letter from XXXX now trying to collect on this. Further, I received notification from credit report online that the information reported by XXXX is correct as to being my account. To this date no one has provided any documents to prove this is my account/debt! 

Further, I am now taking the position that if this not removed from all three credit reporting agencies that XXXX and XXXX are blatantly ignoring a court order rendered in my favor and are now harassing on nature. 

I am now letting them know if this is not removed in 15 days from this date, I will be filing action against them.
Consumer complaint received 2024-04-28
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)

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

Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is a long on going problem with XXXX and now XXXX. Please review previous complaints filed - # XXXX and # XXXX. I have now received a letter from XXXX  that they are again collecting on this debt that was dismissed in court in my favor due to XXXX NOT providing ANY proof that this is my account and debt. On previous complaint XXXX sent a reply that this would be resolved from my credit of all three agencies! I received a letter from XXXX now trying to collect on this. Further, I received notification from credit report online that the information reported by XXXX is correct as to being my account. To this date no one has provided any documents to prove this is my account/debt! 

Further, I am now taking the position that if this not removed from all three credit reporting agencies that XXXX and XXXX are blatantly ignoring a court order rendered in my favor and are now harassing on nature. 

I am now letting them know if this is not removed in 15 days from this date, I will be filing action against them.
Consumer complaint received 2024-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

Delete this account since you can't demonstrate that it belongs to me, despite the fact that you're reporting it without any supporting evidence. Please give proof that my rights have not been violatedand that this account should be shown on my credit record. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-04-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ROBINHOOD MARKETS INC. (NV)

Robinhood closed and zeroed my account on XX/XX/year>, i received an email from them telling me they will mail me a check. After filing and submitting the check request form they sent me, its been a week I submitted the form. I still havent received anything in the mail nor have the reached out to me to let me know if it has been sent like they said they would
Consumer complaint received 2024-04-26
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (TX)

This complaint is regarding my XXXX Credit card with Synchrony Bank XXXX XXXX for the same project : {$10000.00} {$7400.00} At the time of purchase XXXX was running a 0 % promotion for 36 months if ordered by XX/XX/year>. I signed my contract and provided my payment details to my sales rep on XX/XX/year>. The store did not actually run my credit card till XX/XX/year> and processed my order as 24 months 0 %. 

I set everything up on auto-pay and never look at my statements. It wasn't until XXXX when I purchased a new refrigerator from XXXX did I notice that my promotional end date did not line up with what I setup for auto-pay. When I called Synchrony to get it fixed, they said that I needed to go to the store and speak with a XXXX to get it fixed. I did that the very next day and I've been getting the runaround ever since and now they are stating that Synchrony is " unable '' to honor my promotional offer of 36 months at 0 %. The money that it would take for me to pay this purchase off by XXXX of this year, I simply do not have, nor can I afford. I need them to honor the promotion that I signed up for and that was advertised in order to prevent me from going into default or having to pay all of the interest from day XXXX.
Consumer complaint received 2024-04-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

Experian sold me a premium membership based on phone support and no phone support was provided under this premium service. 

Experian continued to charge my credit card {$24.00} a month for 3 months after I attempted to cancel. I never used the service as phone support doesnt exist with Experian and wasnt provided after nu

merous attempts. I believe a class action case against Experian is needed to request a refund for all of these premium services fees they charge for phone support that they dont provide.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Applied Data Finance, LLC (GA)

Fraud alert on file Collection accounts XXXX XXXX XXXX XXXX Late accounts XXXX XXXX XXXX ( paid in full not late ) XXXX ( paid in full / total loss vehicle ) XXXX ( late payment and account ) prior account was paid in full Charge off account XXXXXXXX XXXX XXXXXXXX XXXX back Hard credit inquiries XXXX  XXXX XX/XX/XXXX - come off XX/XX/XXXX XXXX XXXX XX/XX/XXXX - unauthorized XXXX  XXXX XX/XX/XXXX - unauthorized XXXX  XXXX XX/XX/XXXX - unauthorized
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I greatly value the relationship I have with the following creditors and have consistently made on-time payments forsuch a long time.This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again. 

Given my otherwise positive payment history, I kindly request that you consider removing this late payment from my credit report as a goodwill gesture. I believe this adjustment would better reflect my responsible credit behavior and would help improve my credit standing.
Consumer complaint received 2023-08-29
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. (NJ)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct 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 XXXXXXXX XX/XX/XXXX
Consumer complaint received 2024-06-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NV)

I had XXXX credit cards with Citi. XXXX cards were the Costco brand and XXXX was XXXX XXXX. The business credit card on the Costco brand was setup for autopay of the statement balance. I went on the Citi site and changed the Autopay to twice a month. 

Citi sent some kind of stop payment to XXXX XXXX, where the checks come from. The payment cancellation for the Autopay of the statement balance somehow put Citi on a do not pay cycle. So when Citi said the payment was taken back by XXXX XXXX, I went into the Citi site and made another payment from XXXX XXXX. That payment was also denied by XXXX XXXX. This happened 3 times and after the third time, Citi cancelled all my cards. 

At now time was there insufficient funds to pay. It seems XXXX XXXX placed a stop payment on all payments to Citi, not just the Statement Balance Autopay. 

There was also a considerable amount of money in rewards accumulated. That money has disapeared. 

I would like to have all the cards reinstated as this was not my fault.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (GA)

I had a credit card with Navy Federal Credit in XXXX  they gave me a line of credit for XXXX XXXXXXXX in about 2 years I lost my job and was running behind on my payment which by then I only owed {$2800.00} in the card. After missing the 2nd missed payment they placed a hold on the card and when my tax refund was received into my checking account. XXXX XXXX Garnished the {$2800.00} from my checking account to resolve the credit card balance and closed the account. A few months ago I received a letter from XXXX XXXX XXXX XXXX requesting payment for a balance of {$20000.00} to resolve Navy Federal Credit Union account. 

I went to a Navy Federal Branch and they could not pull any account information back from XXXX  due to their new system and could not go that far back into their history to provide any additional information concerning these charges. 

I am formally disputing this billing error in accordance with the Fair Credit Billing Act ( 15 USB 1666b ) Account # XXXX XXXX XXXX XXXX XXXX and requesting that It be investigated and removed from my credit report. 

I do not have any financial obligation toward XXXX XXXX XXXX or Navy Federal Credit Union. Thank you for your prompt attention toward this matter. I expect a written confirmation and the result within 30 days.
Consumer complaint received 2024-09-10
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. (MO)

( XXXX XXXX ), ( XXXX ), ( XX/XX/year> ), Contents of Complaint : This Cfbp complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXXXXXX XXXX XXXXXXXX {$490.00}, {$1600.00}, XXXX XXXX XXXX XXXX {$1800.00}, XXXX XXXX XXXX XXXX CLOSED, XXXX XXXX XXXXXXXX {$1300.00}, XXXX XXXX XXXX XXXX XXXXXXXX {$2100.00}, XXXX XXXX XXXX  XXXX {$170.00} AS PER THE GUIDANCE FROM THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) THE DOCUMENT NEEDED AND LETTER FROM A ADVOCACY GROUP HELPING ME DUE TO XXXX XXXX XXXX, WHICH FALLS UNDER TRAFFICKING ACCORDING TO TRAFFICKNG- DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5 -- 1002.142 ( B ) ( 7 ). I KINDLY REQUEST THAT YOU BLOCKING THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION XXXX OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF HUMAN TRAFFICKING OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED COMPANY INFORMATION XXXX. PLEASE DELETE THE FOLLOWING ACCOUNTS. XXXX XXXX XXXX XXXX {$490.00}, {$1600.00}, XXXX XXXX XXXX XXXX {$1800.00}, XXXX XXXX XXXX XXXX CLOSED, XXXX XXXX XXXXXXXX {$1300.00}, XXXX XXXX XXXX XXXX  XXXX {$2100.00}, XXXX XXXXXXXX XXXX XXXX {$170.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-04-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION (FL)

I have identified inaccuracies in my XXXX Report that do not belong to me, indicating potential fraudulent activity. I have made diligent efforts to rectify this issue by engaging in written communication with XXXX. Despite my attempts to address the matter through mail communications, XXXX has been unwilling to comply with federal law and correct the inaccuracies. I am attaching proof of my attempts to resolve the issue through documented mail communications. This evidence highlights my commitment to rectifying the inaccuracies on my credit report and demonstrates XXXX 's non-compliance with federal regulations. I kindly request your intervention in this matter to ensure the prompt correction of the inaccurate information on my credit report. Your assistance in resolving this issue is greatly appreciated, as it is adversely affecting my financial standing and integrity. 
Thank you for your attention to this matter, and I look forward to your guidance on the necessary steps to address and rectify this situation.
Consumer complaint received 2024-09-10
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)

I am writing to formally notify you of a recent identity theft incident that has resulted in several fraudulent entries on my credit report. These XXXX unauthorized accounts and XXXX inquiries were added without my knowledge or consent, and I request their immediate removal to rectify this matter. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES - XXXX XXXX  XX/XX/year> - XXXX XXXX XX/XX/year> - XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> - XXXX XXXX XXXX XX/XX/year> - XXXX XXXX XXXX XX/XX/year> An official identity theft report has been filed with the Federal Trade Commission ( FTC ), and I urge the prompt removal of these fraudulent items to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have contacted XXXX about reporting a collection inaccurately which is against the law as well as reporting a late payment. 15 usc 166b, section 1637b, 15 usc 1681b, All of my reports with the 3 bureaus are inaccurate and i have asked for proof as to how they verified in violation of FCRA AND FDCPA, FCRA 622 a7
Consumer complaint received 2024-04-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION (VA)

I felted in hard time during the XXXX I tried to explain to navy federal but I put up a security deposit for credit and navy federal kept the deposit and use to clear the credit debt but I over draft with navy federal which is illegal to charge I call them about it but the real sitution is 15usc 1692c ( c ) this law should be obeyed by navy federal - if a consumer notified a debt collector in writeing that the consumer refuses to pay a debt or that consumer wish the debt collector to cease further communication with the consumer the debt collector shall not communicate further with the consumer with respect to such debt except/ also navy federal charged off this debt so where the 1099 form that should have been mailed for this debt
Consumer complaint received 2024-08-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: JPMORGAN CHASE & CO. (VA)

Jp Morgan violated 15 U.S.C. 1611 part of the Truth in Lending Act ( TILA ) as well as XXXX XXXX XXXX also violated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated15 U.S.C. 1611 part of the Truth in Lending Act ( TILA ) XXXX XXXX XXXX are included in this complaint
Consumer complaint received 2024-04-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A. (IL)

My physician withdrew over XXXX dollars by error and corrected the very next day I was assured money would be back in my account next this was on the XXXX it is know the XXXX the funds have now been pending almost a week they have caused me humlation embrassment they have charged me overdraft fees and return my water bill I have XXXX in my account even though funds have been pending. I have XXXX  and XXXX XXXX it's off the top then someone called me with all my banking information which was a scam PNC did nothing to help me. Talked to numerous customer service representatives with pnc different stories and lies.
Consumer complaint received 2022-10-25
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. (NC)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX Balance : {$470.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX.