davidheineman/consumer-finance-complaints-large huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XX/XX/XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-13
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)

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I have not supplied proof under the doctrine of estoppel by silence, Englehardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists.

Pursuant to 18 USC 8. I owe no debt. this company is violating my consumer right to privacy to 15 USC 1681b 2. Company has also no permission to report ANYTHING using my info pursuant to 15 USC 1681 4
Consumer complaint received 2024-07-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, XXXX, A Bank of America card was opened using my own name, address, and email. I never applied for the card and was originally notified through an email from Bank of America that We've received your credit card application for XXXX XXXX XXXX XXXX XXXX XXXX I checked my inquiry alert for any new accounts and saw that there was an alert for this exact activity, as well. This isnt the first time a Bank of America card was opened under my own name, address, and email. Back on XX/XX/year>, the same situation happened but this time with a regular Bank of America credit card. Again, I had to call and cancel the card, as well as, have the hard inquiry on my credit expunged.
Consumer complaint received 2024-08-16
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. (TX)

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 2024-08-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: NAVY FEDERAL CREDIT UNION (SC)

I closed a credit card during a divorce proceeding that was a joint account with my XXXX in 2018 with Navy Federal Credit Union. As the card was her responsibility I have not looked into any of the charges after the card was closed. Recently, I was reviewing all of my accounts and noticed that this card was getting charged for an insurance protection plan, which they currently no longer offer due to all of the problems they had with it, according to one of their managers. When I read into the insurance protection term of service, it clearly states under the " General Provisions '' section that we would be terminated from the program immediately when the account was closed. I called the bank and informed them of the error and the manager I spoke to, who also read the terms of service, agreed and sent a note to have the charges removed dating back to the closure of the account. Now, a few weeks later, I call back to find out the status and they are saying that it doesn't automatically cancel until I point out in the terms of service. Once their employee actually reads the disclosure, they agree and say they will send a message to the " right department '' to see " IF '' they can process the refund according to their own policies. The employees refuse to have anyone from said department contact me, I am not allowed to contact them, and it will take an undetermined amount of time.
Consumer complaint received 2024-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I USED MY CITIZENS DEBIT CARD, XXXX, which has EXTENDED WARRANTY COVERAGE, AND SATISFACTION GUARANTEE COVERAGE. I HAD A XXXX DEBIT card on my checking account. I HAD A CHECKING AND SAVINGS ACCOUNT WITH CITIZENS BANK. THEIR PEOPLE ON THE PHONE REFUSE TO HELP ME. I WANT TO CLAIM BOTH EXTENDED WARRANTY AND SATISFACTION GUARANTEE ON A XXXX PURCHASE OF XXXX on XX/XX/2024. MY PHONE COMPLAINTS BEGAN XX/XX/2024, on the phone 3 hrs myself and a friend was also on the phone 2 hrs. CITIZENS BANK HAVE REFUSED TO HELP ME
Consumer complaint received 2024-08-16
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. (TX)

My ongoing efforts to rectify the fraudulent, inaccurate, and misleading information on my consumer report have been futile. These erroneous entries continue to severely affect my life, resulting in considerable anxiety and distress. I must emphasize that I never authorized or consented to the association of this information with my identity, as I am a victim of identity theft.
Consumer complaint received 2024-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Credit inquiries on my credit report that I don't recognize. It wasn't authorized by me. 
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 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-08-13
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. (CA)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

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 A section 2, state a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section state : no consumer reporting agency may make any consumer report containing any of the following item of information other than records of convictions and crimes which antedates the report by 7 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.
Consumer complaint received 2024-08-13
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 am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report.

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items.

The identity of the entity or entities responsible for conducting the verification process.

Any documentation or evidence used to substantiate the accuracy of the disputed items.
Consumer complaint received 2024-08-16
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. (SC)

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  XXXX Account XXXX and list of Inquiries. 

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 2019-07-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE (FL)

Barclays card was applied for in XXXX for a timeshare. That was used for the down payment of {$4000.00} usd on XX/XX/2018. I have multiple cards and never got approved For an amount of {$4000.00} usd. The sales person in XXXX had to faked my annual income. That how I got approved so easily. I have asked Barclays for my application multiple times and they can not find it in their system. The timeshare purchased and was false and misleading information was given. I took it to litigation with XXXX which is the XXXX consumer protection. The time share was completely canceled. I asked the hotel chain to please return the XXXX they stated no it was out of there hands to dispute with the credit card. I never used the timeshare at all! I dont want anything to with the hotel chain! I do not find it fair that they lied to me and scammed me and I am responsible for paying the card when I will never use there services! I came into an agreement with Barclays to pay XXXX and change to have the card paid of as settlement.
Consumer complaint received 2024-08-13
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. (GA)

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

XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX, U S DEPT OF EDXXXX : XXXX 15 U.S.C 1681 Section 602 A, states I have the right to privacy.

15 U.S.C.1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report agency containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any customer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (OH)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

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 2024-08-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XXXX I open a high yield savings with capital one. I put in a {$100.00} to start the account on XX/XX/XXXX. On XX/XX/XXXX I put in XXXX from my existing savings account. Once receiving my student loan money I put in an additional XXXX on XXXX. I was given notice on XX/XX/XXXX that my account was frozen. I called to infer and wasnt given an answer but was told that they will be ending the banking relationship. However they have no timeline on receiving access of my funds.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-16
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. (GA)

I am writing to file a formal complaint against XXXX, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 
I sent a letter to XXXX notifying them of the reinsertion of XXXX  XXXX XXXX account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the letter, XXXX has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. 
XXXXXXXX XXXX actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with experian, they have neglected to take appropriate action, demonstrating a lack of accountability compliance with federal consumer protection laws.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Possible Financial Inc (TX)

**Contact Attempts : ** XXXX. XXXX XXXX, XXXX : ** I initiated contact with the customer service department XXXX address several identified discrepancies within my account. During this conversation, I was assured that a comprehensive review would be undertaken to rectify these issues. 
XXXX. XXXX XXXX, XXXX : ** I followed up on my initial inquiry, seeking an update on the status of the review. Unfortunately, I did not receive any substantive information or documentation to address the discrepancies previously noted. 
XXXX. XXXX XXXX, XXXX : ** I made a third call to customer service, explicitly requesting specific documentation, including payment history, account statements, and all relevant correspondence. Despite assurances that these documents would be delivered, I did not receive any of the requested materials. 

Formal Dispute : XXXX. XXXX XXXX, XXXX : I formally submitted a dispute to POSSIBLE FINANCIAL INC. , meticulously detailing the inaccuracies within my account and formally requesting the necessary corrections. Despite this formal approach, no satisfactory resolution was achieved. 
XXXX. In my formal dispute, I also requested the issuance of a 1099-C form to reflect any cancellation of debt, which is crucial for accurate tax reporting. 
XXXX. Additionally, I requested a copy of the original loan agreement contract to verify the terms and conditions agreed upon at the inception of the loan. 
XXXX. Finally, I highlighted an incorrect balance amount that appeared on my account, seeking a correction to ensure that my credit report accurately reflects my financial obligations. 

Despite multiple attempts to resolve these issues through both informal and formal channels, the discrepancies remain unaddressed, necessitating further action to rectify the inaccuracies in my credit report.
Consumer complaint received 2024-08-16
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 am writing to file a formal complaint regarding fraudulent inquiries on my credit report. Upon reviewing my credit report, I discovered several inquiries that I do not recognize and believe to be the result of fraudulent activity. The unauthorized inquiries have significantly impacted my credit score and have raised concerns about potential identity theft. I have attached a copy of my credit report highlighting the unauthorized inquiries for your reference. The unauthorized inquiries have significantly impacted my credit score and have raised concerns about potential identity theft. I have attached a copy of my credit report highlighting the unauthorized inquiries for your reference.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

On or around XX/XX/24 I was notified that someone was making {$2300.00} in unauthorized transactions with my wifes debit card at 2 different XXXX XXXX  miles from my home. They also withdrew {$1300.00} from our account. Chase refused to refund the {$2300.00} because there were no refused PIN transactions. When informed we had filed a police report and could provide sworn statements that both of us were at work during the transactions, Chase refused to accept or consider them. When asked why {$1300.00} could be fraudulent but {$2300.00} wasnt, they could not provide a satisfactory answer as to the arbitrary decision making process.
Consumer complaint received 2024-08-16
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)

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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.