davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NY)

On XX/XX/year>, I signed up and was approved for a Citi Bank checking account using a link that had a promotional offer of earning {$300.00} after doing two or " Enhanced Direct Deposits '' totaling {$1500.00} or more within 90 days. The deposits were completed and I never received the bonus. I called Citi Bank customer service to inquire about the bonus status, where they stated there was no bonus attached to the account. I explained I signed up directly through the link that had the {$300.00} bonus, and that it was a public offer so that couldn't be the case, but they reaffirmed the bonus was not attached and I would not receive one. My husband signed up through the same link and received the bonus completing the same requirements, and after trying to escalate the matter further, the supervisor said she could not open an additional ticket because the offer link not being substantial proof. She simply stated that bonus was not attached, despite me signing up directly through the link advertising the bonus and completing the requirements within the specified time frame within the terms, and using the offer link within the valid dates. Like I said before, my husband signed up for the same account on the same day and received the bonus completing the same requirements, so there is no valid reason the offer should not be attached or should at least be honored.
Consumer complaint received 2024-07-15
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (OR)

On XX/XX/XXXX and XXXX, I provided Synchrony Financial with 2 applications which granted them access to my trust. I create an instrument for them in exchange I would receive the Home good items I needed. 

Synchrony Financial discriminated against me, the beneficiary of the Trust due to the trust credit report. There is no law and/or statue that grants banks the right to deny any individual use of their credit. 

This is fraud on multiple levels. From trust fraud to banking fraud to securities fraud.
Consumer complaint received 2024-07-13
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: FC HoldCo LLC (IL)

I have hard inquiries on my report that I do not regconize! The only one i regconize is the one from XXXX and thats where I purchased my vehicle from, the rest were not authorized by me.
Consumer complaint received 2024-07-19
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: Experian Information Solutions Inc. (CA)

As of XX/XX/2024, No status has been given by Experian ( see below reference ) XXXX XXXX XXXX XXXX XXXX Credit Reporting Agencies reporting Improper use of your report by the Experian Consumer Fraud Division filed on XX/XX/2024 Status : Open-Company response is in progress as of XX/XX/2024 This CRA is in dire violation of the FCRA and the FTC and no one at the CFPB gives a XXXX XXXX so I will move forward with filing a Federal lawsuit against the CRAs and the CFPB for lack of enforcement.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CO)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-08-15
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. (IL)

I am seeking this action based on my rights under the Fair Credit Reporting Act ( FCRA ), as detailed below : Privacy Violation : As per 15 U.S.C. 1681 ( Section 602A ), I have the right to privacy regarding my credit information. The continued reporting of certain entries may be a violation of my privacy rights.

Furnishing Accounts : According to 15 U.S.C. 1681 ( Section 604A, Section 2 ), a consumer reporting agency can not furnish information about my account without my written instructions. I have not provided such instructions for the disputed entries.

Limitations on Adverse Information : Under 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may include adverse items of information, except for records of convictions of crimes, if they are more than seven years old. The late payments and other adverse information in question exceed this timeframe.

Accuracy of Information : As per 15 U.S.C. 1681s-2 ( A ) ( 1 ), no person shall furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. The entries in question may be inaccurate or outdated.

Bankruptcy Removal : Under the FCRA, Section 605 ( a ) ( 1 ), bankruptcy records are allowed to remain on a credit report for up to 10 years. However, given my request for early removal, I urge you to review the specifics of my case and consider this request based on [ provide reason, e.g., evidence of improved financial standing or a dispute over the accuracy of the information ].

Please find attached copies of the relevant documents supporting my request, including : A copy of my credit report highlighting the entries in question.

Any relevant correspondence or proof of payment improvements.

I request that you investigate this matter and update my credit report accordingly. If the information can not be verified or is deemed inaccurate, I expect it to be promptly removed in accordance with my rights under the FCRA.

Please notify me of the results of your investigation and any actions taken regarding my request. I appreciate your prompt attention to this matter.

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-06-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION (TX)

1. The complaint is that after damage to our home from a hail storm in XXXX on XX/XX/XXXX Farmers Insurance ( FI ) did not cover replacement for our roof, our mid-modern home had a tar and gravel roof-after 2 years we sued FI, while claim money had gone to our bank at the time EverBank which is now XXXXIAA. Years later after settling with FI a portion of our money had gone to TIAA bank. Then due to our roofer suing us ( breach of contract ), the held money had still remained in escrow with TIAA and we still did not have a new roof. This money was held in two amounts before our roof replacement ( {$60000.00} ) and after ( {$37000.00} ) which is subject according to the Texas Insurance Code Chapter 557 to 10 % interest per year held. I sent several letters to TIAA but they had responded on May 31, 2019, demanding more home inspections for another claim from a flood incident from XXXX. We feel the money is still owed and wrote a letter to TIAA demanding payment of the interest on the funds held over a 44 month period and amounts to ( {$17000.00} ), to be verified by TIAA. We also agreed in the letter to have the floor work done to our home and comply fully to having the house inspected for the flood damage in XXXX.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: SYNCHRONY FINANCIAL (CA)

In the year 2022 I was employed at the time that attempts to make a purchase with XXXX XXXX. This purchase was to be delivered to my home XX/XX/XXXX which was exactly XXXX week at that time I was informed that we were being laid off I canceled the order only to find out the XX/XX/XXXX was not the shipment dates that it was me backward until XXXX perfect timing for me to cancel and not proceed with the order because I was being laid off I immediately close account only to find out that they are still insisting that I received the item and they're still billing me for it. I've never once received any statements or card. They've closed my account saying that everything was fine and years later I'm still being billed for this. I've been hacked into several times with my social security number and having to deal with this nonsense all the time once again my information was stolen and I do have a monitoring for my information.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-23
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. (NJ)

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I am writing to formally dispute inaccurate information on my credit report and demand immediate rectification in accordance with the Fair Credit Reporting Act ( FCRA ). I have been a victim of identity theft, and the following accounts are inaccurately reported on my credit report : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXXXXXX - Account Number : XXXX I want to emphasize that I did not open these accounts, and they are a result of fraudulent activity. 

These inaccuracies are clear violations of the FCRA, which mandates that credit bureaus ensure the accuracy of information included in credit reports. Specifically, the FCRA ( 15 U.S. Code 1681i ) requires credit reporting agencies to investigate and correct inaccurate information within 30 days of receiving a dispute.

Additionally, the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S. Code 1692g ) requires debt collectors to provide validation of debts and allows consumers to dispute debts that are not valid. I have disputed the validity of these debts, and the information remains incorrect on my credit report.

Furthermore, the Identity Theft and Assumption Deterrence Act ( ITADA ) and the Fair and Accurate Credit Transactions Act ( FACTA ) provide protections for victims of identity theft, including the right to place fraud alerts and to have inaccurate information resulting from identity theft corrected.
Consumer complaint received 2024-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (OK)

In XX/XX/XXXX I believe I attempted to close my account. I tried to do so using the mailing service. 
In XXXX around the same time, which is XXXX, I was told I had a bill. I tried to close the account again and I paid the bill in order to talk to someone to get the account closed.

Now today, I have received a phone call saying I owe them My card fee plus a late fee. I dont use this card. I even have the unactivated card in my wallet. Its about to expire. It has not been activated. I cant contact a person to close my account. I just go through an automated service.

It is a Best Buy credit card with Citibank as the issuer. I refuse to keep paying for a card I dont use.
Consumer complaint received 2024-07-21
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: JPMORGAN CHASE & CO. (CA)

I am writing to formally dispute an inaccurate late payment entry on my credit report. 
The account in question is with JPMCB Auto, account number XXXX, which is incorrectly reporting a 30-day late payment in XX/XX/year>.
Consumer complaint received 2024-06-24
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. (MO)

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 XXXXXXXX XXXX account # XXXX Account name : XXXX XXXX account # XXXX 15 u.s.c 1681 SECTION 602 a. States i have a 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 2024-06-19
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. (DE)

XXXX XXXX XXXX Prior CFPB complaint related to this complaint here today is ( XXXX ) I have previously sent out a complaint through the XXXX XXXX to rectify my information on my credit report not reporting a 100 % accurately. And my rights being violated, i also made a complaint statement regarding the tax fraud That Equifax, XXXX and XXXX XXXX your company is illegally reporting a charge off on my credit report still You violated FCRA 15 USC 1681eb and the information you reported is not 100 % accurate. Ontop of the Tax Fraud you have committed. My complaint today is to address the willful neglect and lack of response to my previous complaint with the CFPB i have give me 30 days which is the more the reasonable time. For you to fix the situation i have not received the response back or letter regarding these matters. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, These account are still On my credit report.. Remove them at once. Thank you XXXX XXXX
Consumer complaint received 2024-06-12
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. (NM)

XX/XX/year> {$540.00} 15 USC 1692C ( c ) If a consumer notifies a debt collector that the consumer refuses to pay a debt collector must cease all communication.
Consumer complaint received 2024-06-04
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: Experian Information Solutions Inc. (MO)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$1100.00}
Consumer complaint received 2024-06-12
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. (MD)

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (WI)

Dear Sir/Madam of EQUIFAX In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 
XXXX XXXX account with account # XXXX, has violated my rights. 

I believe that this information is inaccurate and does not belong on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to request that you investigate this matter and correct any errors.

Please note that under 15 U.S.C. 1681e ( b ) of the FCRA, credit reporting agencies are required to follow reasonable procedures to ensure the accuracy of information in a consumer 's credit report. I request that you investigate this matter and take the necessary steps to correct my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Furthermore, I would like to request that you provide me with the following information. Under Section 611 of the FCRA, you are required to provide me with this information within 5 days of receiving this letter. I would appreciate it if you could send me a written confirmation of the receipt of this letter, along with a timeline of when I can expect the corrections to be made. 

Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-06-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (AZ)

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 2024-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (PA)

I previously addressed an issue with Navy Federal Bank concerning my limitations on filing disputes. I am currently blocked from filing my own dispute and need to provide accurate documentation regarding the XXXX XXXX XXXX XXXX. I left the resort early, and my only evidence is a photograph of my checkout, which includes the checkout cards on the table. I am requesting a refund from this resort.

I was denied a provisional credit, and recently, every dispute I file is not being properly handled by Navy Federal, resulting in my requests for refunds being refused. Consequently, several companies are retaining my money because Navy Federal is not thoroughly reviewing my evidence and considering my side of the story. I need assistance in ensuring that my disputes are properly addressed and that I receive the refunds due to me.