davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-11
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (PA)

I am STILL struggling to understand why my Paypal Credit account was locked for " unusual activity '' at around XXXX XXXX EST, two nights in a row, at the beginning of XX/XX/year>. It happened twice. Please see attached screenshots of my emails from Paypal 's security system for proof. Synchrony 's first response back in XXXX ( attached as a PDF ) implies it was PROBABLY locked as part of the process in my identity theft investigation, but their explanation seemed pretty vague. Synchrony 's newest response from this past week is telling me I need to contact Paypal directly to figure this out. Well, I DID previously contact them directly on CFPB Case Number XXXX. Paypal rejected this report without saying anything to me, and it was silently passed over to Synchrony. The past four months have been an unrelenting battle where I'm getting kicked around in every direction and I'm not getting any clear answers for my legitimate privacy concerns. Please see the attached PDF reports from XXXX XXXX XXXX for that whole horrendous paper trail. So, I'm back to my second attempt where I'm asking Paypal this question directly : WHY was my account getting locked at random hours two nights in a row? Is this something Paypal was legitimately doing as part of the identity theft case, or was this some anonymous goofball trying to hack another one of my bank accounts as a prank? The thing is : IF this is just something Paypal did manually as a precaution, I really don't mind! I would still be wondering why they chose to lock my account twice at XXXX EST in the XXXX, but at least I would know who is doing it. BUT I still need to know : Was this someone trying to hack me again?!
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me ensure accuracy. Here is the item that I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MA)

Starting on XX/XX/XXXX of this year I began communicating with someone that I thought I knew and trust. He told me about an investment, that was only going to require {$800.00}. so I went along with it. Then " fees '' started to add up to close to {$1400.00}, which totals about {$2200.00} to start. Then I realized he was fishing for information, and he was successful. He got into my bank account and starting depositing checks and instructing where to move it to. Then my bank flagged the account and froze it because they tried to deposit a {$16000.00} check. Then he disappeared and the checks ended up being bad and were sent back, leaving a XXXX in my account. So now we come to a total close to {$5000.00}, and I tried to see if my bank could help me. I've been banking with the same bank ( USAA ) for the last 14 years, with no type of situation like this before, but they are refusing to help me. They said they cover fraud but because I moved around the money, under false pretenses, so they don't consider it fraud. I know it's not fraud technically, but I was scammed! I am the victim!
Consumer complaint received 2024-07-20
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. (OR)

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Second Written Request for Account Deletion To Whom It May Concern, I am writing to address an issue regarding the reporting of State of Oregon Support Enforcement accounts on my credit report. I previously requested the deletion of these accounts, Account : # XXXX Account # XXXX Account # XXXX as they are inaccurately reported. Equifax XXXX XXXX : XXXX XXXX Confirmation # XXXX This is my second written request to have these unverified accounts removed in accordance with 15 U.S.C. 1681. 

Case Law Support : The following case laws support my request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, et al., Case XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Case : XXXXXXXX XXXX XXXX ( XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No. XXXX ( XXXX XXXX XXXX XXXX XXXX ) These cases establish that consumer reporting agencies must have written authorization or a contractual agreement to report such accounts.

As an example, for collectors of delinquent child support debt, judgments, fines, or liens, you must have in hand : A court order authorizing a consumer reporting agency to provide a consumer report, A written authorization from the debtor to obtain a consumer report, or Some type of contractual agreement with the consumer that rises to the level of a credit transaction under law. 

Verification Requirements : Your response to my initial request stated that the accounts were verified. I request detailed information on the verification process : Documents Used : What specific documents did you use to verify these accounts? 
Responsible Person : Who verified these accounts? Please provide their name, business address, and contact number. 
According to XXXX XXXX XXXX, Verify means to confirm or establish the truth by oath or affidavit. Therefore, Equifax must have documentation proving the accounts belong to me and must authenticate these documents under oath if necessary.

Federal case law emphasizes that Consumer Reporting Agencies must ensure accuracy and can not merely rely on information from third parties without proper verification. 

Delete these unverified accounts immediately and when collecting on an obligation arising from a credit transaction. If this issue is not resolved, I am prepared to escalate the matter with the XXXX XXXX XXXX. ( XXXX ). 

Thank you for your attention to this urgent issue. 

Sincerely,
Consumer complaint received 2024-05-27
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. (AL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 section 2 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 2024-07-07
Product: Credit 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: DISCOVER BANK (FL)

My XXXX was in a XXXX in XXXX. He had XXXX XXXX XXXX XXXX XXXX. We have insurance but there were initial problems with coverage and we were to pay out of pocket and seek reimbursement. XXXX plan was to go through his XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested {$500.00} from us to pay for this. All payments are up front in XXXX. They do not work until payment is made. XXXX was set for XXXXXXXX XXXX the next day. Later that night insurance approval came for payment of {$10000.00}. The XXXX than changed their plans and did not due the proceedure for 4 days. Did not perform it properly and did not get the stone. Charged ins co {$3700.00}??? Then waited 3 more days to try again this time getting the stone. And at this point they used up exactly the XXXX of the insurance policy???? They stated, and it was not true, that it was urgent my son than have his XXXX XXXX XXXX XXXX. The charge was {$3700.00} which we paid by {$310.00} through Discover and {$3400.00} XXXX XXXX. The operation was completed but there were problems. After the clinic demanded {$500.00} more as my XXXX was XXXX but they would not allow him to leave until they received this money. It was for a gurantee. Which is not for services made but potential billing issues. I did not voluntarily provide the card. But as my XXXX was being held XXXX I did so. Proper treatment for my son would have been to simply go XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX out at the XXXX XXXX time the first day of admittence. It would have cost {$500.00} and insurance would have paid {$400.00} of it. Instead my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for XXXX XXXX. We have filed suit against the XXXX in XXXX, Discover Card is equally liable. The case has already had a hearing where they have determined probable cause. They have demanded a certified copy of all medical records. The XXXX  has denied. A second request has been made. It is a criminal matter not to comply. Medical malpractice is also a criminal as well as civil matter in XXXX. Lots of problems with medical care there. Now we already have a copy of the records from the insurance company which confirm mal practice. The XXXX is aware of this. If they provide the same records there is a problem. If they change them that is a second problem. They are stuck. We have not named Discover on this action as of yet. We are hopeful they will simply honor the charge back.
Consumer complaint received 2024-05-27
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. (GA)

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report.These remarks have been detrimental to my life and credit health
Consumer complaint received 2024-06-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: AES/PHEAA (GA)

Dear AESXXXX XXXX  XXXX I'm writing to you with a heavy heart, still reeling from the sudden loss of my beloved grandson, XXXX XXXX XXXX Just two months after we paid off his student loans in full, he was taken from us far too soon. As his co-signer, an arrangement between my grandson and myself was implemented as he was employed within his field of study. The plan was that he would assist in monthly re-pay installments if I agreed to re-finance my home mortgage to pay off his student loan debts in the amount of {$110000.00} in XX/XX/2023. It was a sacrifice we made with love and hope for his future, but little did we know that fate had other plans. As we navigate this devastating loss, I'm not just asking for a refund of the loan amount, but for your compassion and understanding. XXXXXXXX XXXX  passing has left our family in a state of grief and financial uncertainty. My husband and I are now XXXX and XXXX XXXX XXXX, respectively, and are struggling to make ends meet. The burden of recouping these losses would be crushing. I implore you to consider the extraordinary circumstances surrounding XXXXXXXX XXXX death and our situation as a family. We've already endured so much pain and sacrifice to ensure his education was paid off. Now, we're left with the weight of this unexpected loss and the financial strain that comes with it. I understand that AES/XXXX XXXX has guidelines in place for death discharges, I'm begging you to consider our story and the human impact of this tragedy. XXXX 's life was cut short, and his memory should be cherished, not weighed down by the financial burdens we're now facing. Please, I beg you, consider our request for a refund or any other possible alternatives that can alleviate our financial burden. I'm begging you, please consider our request with an open heart and mind. We've already lost so much - we've lost our beloved grandson, we've lost our peace of mind - and now we're facing financial uncertainty. I'm asking you to show us compassion, empathy, and understanding. Thank you for taking the time to read our story. Sincerely, XXXX XXXX
Consumer complaint received 2024-05-06
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (MI)

Cash app automation does not recognize my account information and is in deceptive business practices with XXXX in which cash allows plaid to become an inadvertent POS to collect information when XXXX accounts do not recognize my checking or credit card accounts either. Will not activate my debit card with out verification of SSN. Which is an illegal trade practice. My account has been active for longer than a year. They accepted my funds without verification which is the most IMPORTANT part of the transaction. I was my money released and account closed.
Consumer complaint received 2024-05-28
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: EQUIFAX, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-05-28
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 sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-25
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)

Credit Bureaus refuse to investigate dispute for INACCURATE REPORTING on accounts listed in this complaint.

Furnishers are reporting differently to all three credit bureaus for the same account/tradeline, regarding the following categories. Date Opened, Balance, No. of Months ( term ), High Credit, Credit Limit, Past Due, Payment Status, Last Reported, Comments, Date of Last Active, Date of Last Payment and Two-Year History?

The Credit Bureaus then reports these errors, inaccuracies, and incompleteness on my credit report ( see proof credit report enclosed ). According to Fair Credit Reporting Act, 15 U.S.C. 1681 my credit report must be Accurate and Fair.
Consumer complaint received 2024-07-01
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. (NJ)

The items listed below are reported on my credit file and were found in my reports with XXXX 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I have repeatedly asked for Experian to reinvestigate this account inaccurate information being reported to my consumer report. 
I sent a request for reinvestigation and method of verification of the information to Experian on XX/XX/XXXX. I was met with more inaccuracies. The inaccuracies are highly injurious to my credit score ( XXXX XXXX account # XXXX ) In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, section 611, Subsection A-D. I have the right to ask for names and addresses of each individual with whom the information was verified. Clearly this was not the case. Because I was sent another credit report with inaccurate information. ( see attached report results from XXXX XXXX dispute ) This account was charged off on the following date : XX/XX/XXXX Since then, the account has repeatedly been updated as new charged off every month. This is an update in the payment history. A charged off account should not provide an active payment history. ( see attached current Experian report XXXX XXXX. 

This inaccurate information falsely manipulates the statue of limitations and Experian is not properly investigating this account. I have asked multiple times and Experian 's neglect has violated my consumer rights. I am demanding a deletion of this account. 

XXXX XXXX account # XXXX )
Consumer complaint received 2024-07-27
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. (VA)

XXXX, TRANSUNION, XXXX, IVE REPORTED THIS MATTER TO THE XXXX HOUSE, YOUR COMPANIES NOT FOLLOWING THE RULES AND REGULATIONS.
Consumer complaint received 2024-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

On XX/XX/XXXX I was a victim of identity theft where my all of my bank accounts and investment accounts were stolen and depleted. 
the following accounts were affected XXXX XXXX, Bank of America, XXXX, XXXX XXXX 
I contacted each banking institution and investment company the same day to let them know what happened. 
XXXX  refunded the money stolen however Bank of America and XXXX  refused to refund the money stolen. Bank of America and XXXX were contacted the same day. I reported the issue to the police and was provided with a police report which was faxed to BOA. every time i call is a hassle and they keep closing the case and reopening a new one. I was already provided with two claim numbers. On XX/XX/XXXX I faxed the police report to XXXX claim number XXXX. On XX/XX/XXXX I contacted them again and was told they never received the report and closed the case. I was again provided with another claim number XXXX and was to fax the police report to XXXX at XXXX. The amount of money that was stolen from my account is {$3900.00}. i am seeking your help in this matter. 
Bank of America do not put their customers first they are prone to penalize customers XXXX  as well never refunded the money and was adamant of accusing me as the person that consented to the transaction. the amount was approximately XXXX. I was also told that it was the responsibility of the customer to track their moneys not them, Customers are not safe with these institutions people should not invest with XXXX  for they do not have an adequate security system to protect customers. 

Please help Sincerely,. 

XXXX XXXX XXXX
Consumer complaint received 2023-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I was in XXXX  from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.i get. On average XXXX from the VA since I am XXXX XXXX. When I got out I should of had XXXX. I only had XXXX dollars.from XX/XX/XXXX  till XX/XX/XXXX  I gave some XXXX authorization to use my card. But XX/XX/XXXX I called Wells Fargo and told them to stop authorization and freeze card and account. So I should of had money for XXXX XXXX and XXXX about XXXX but only XXXX XXXX  XXXX... Please help.