davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-04
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)

per the FCRA as a federally protected consumer i am now opting out any & all authorization i the consumer may have given XXXX XXXX XXXX written, unwritten, verbal & non verbal per 15 USC 6802 as well as 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. 


I DID NOT RECEIVE A PROPER OPT OUT NOTICE FROM XXXX XXXX XXXX FURTHER ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right ; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice. 

I HAVE SENT XXXX XXXX XXXX NOTICE TO OPT OUT
Consumer complaint received 2023-09-28
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)

in accordance with the fair credit reporting act XXXX  XXXX XXXX  account # XXXX and verison account # XXXX has violated my rights 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 XXXX XXXX
Consumer complaint received 2022-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc. (LA)

I have a Cash App account that was set up for me to receive my IRS stimilus payments since the beginning of the pandemic. I only had access to my account long enough to receive my first stimulus payment. I believe my email was hacked so i lost all access to my account via recovery methods. Ive reached out to the Cash App team more than four times since i lost access in XX/XX/2020. I have notified the Irs as well, but unfortunately each deposit was successful and as far as i know, i have a nice amount of money just sitting in this inaccessible account of mine. I have had no success with the Cash App team helping me to recover my account, although ive been asked for really personal information in the attempt to prove my identity to the Cash App Team. One transaction for 4200 and another for 2200 was verified by the IRS that it successfully deposited into the account im trying to recover.
Consumer complaint received 2023-07-22
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. (VA)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

PERSONAL NAMES : XXXX XXXX XXXX XXXX XXXX XXXX ONLY SHOULD SHOW : XXXX XXXX XXXX XXXX As this is the only name I use for credit ) EQUIFAX To Delete XXXX : XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX Account XXXX Account Type : Credit Card Account name XXXX XXXX never authorized to be added as an authorized user to this account Account XXXX Account Type : Credit Card Account name XXXX XXXX XXXX Account XXXX Account Type : Credit Card Account XXXX XXXX XXXX XXXX Account XXXX Account Type Auto Loan Account name Capital XXXX XXXX XXXXXXXX
Consumer complaint received 2022-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (WA)

I made a purchase with a credit card they provided. The payment terms stated there would be no interest charges if the account was paid in full by XX/XX/22. When the time came to make the payment, their website was down with technical issues. I was unable to access my account to make the payment timely. I ended up resoting to making the payment via my bank 's bill-pay process but the payment was not received until after the due date. I believe the credit card issuer needs to accept at least some of the responsibility for the late payment due to the issues with their website and not charge the added interest charges as I made a good-faith effort to pay the account off on time. It should also be noted that, to this day, the online access to my account still does not work and I have not been able to access statements of my account for XXXX months. And they will not provide me with a statement in any other manner. Doesn't this violate banking regulations?
Consumer complaint received 2022-02-23
Product: Credit card or prepaid 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: Block, Inc. (MI)

The card provider is cash app these refused to refund me they didnt even want to open my dispute I didnt authorize multiple transaction but every time I contact them they give me the same response and tell me to call there support line which btw is fake and no one answer ever there support team do not help and is rude.
Consumer complaint received 2024-04-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I've consistently made timely payments on this account, ensuring they are never overdue. I'm uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.
Consumer complaint received 2024-01-28
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: FIFTH THIRD FINANCIAL CORPORATION (IL)

This is my second time doing this. I am a victim of a XXXX data breach. I hope ftc investigate this to the fullest term. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  credit card.
Consumer complaint received 2023-07-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Global One Arbitration Inc. (CA)

I had XXXX on XX/XX/2022. The evening before XXXX I received a call from Global One requesting an excessive amount to be paid by me just hours before major XXXX. I explained to them that I was not going to pay, until my other medical bills had gone through for deductible purposes, and further until I received a detailed accounting of the actual procedures on the actual day of XXXX. This week I received a letter from Global One that I was being sent to collections, however, this is the first notice I have received and additionally I have still not received a detailed accounting of procedures, costs, and what was actually billed.
Consumer complaint received 2024-07-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Starting XX/XX/year> every time I Iogin to the capital one Mobile app to view my account, I was asked for a one time PIN ( Two factor authentication ). I have been using the exact same device ( my mobile phone ) and accessed the account using the same network at my house which I have been using prior to XX/XX/year>. I still continued to be asked a one time pin even after successful authentication. 

I had to login multiple times on my mobile app on XX/XX/year> since my transaction using a Virtual card tied to an account reported for fraud was getting rejected. I was also working with one of the agents to resolve the issue. After a few attempts my request for getting a One time pin on the mobile app was blocked with a message that I have exceeded the number of attempts to get a One time pin for the day. I was prompted to wait for 24 hours to get a PIN. This meant all my access to my accounts from the Capital one app was blocked. I have 2 Credit card accounts, 1 Savings account and 2 CDs with Capital One. I wouldn't have access to these accounts for more than 24 hours. I called their customer service. Some of the agents didn't show any empathy and just replied that I need to wait for 24 hours. This seemed a bit scary me not having visibility into my financials on a weekend for 24 hours.

One of the agents suggested I access the account through a browser instead of the app. Again this required me to authenticate on the mobile app. I was finally able to login to my account from a browser after verifying on my mobile app. I felt this ridiculous since my account access was blocked from my mobile app but I could use the app to authenticate and access my account on a browser. Every agent I spoke to mentioned that these are security features taken to protect my account. I found this more of an inconvenience for the customer. Also how could this be protection if the mobile app was used to authenticate me to access my account from a browser. 

It has been close to 24 hours since I accessed my account from my mobile app. This has caused a lot of inconvenience for me performing some of the financial updates during the weekend.

I as the owner of the account 1. Never requested the bank to setup a One time PIN always to access my account.

2. Was never told that there would be a " THRESHOLD '' on the number of times I can access my account from the mobile app since this was tied to the number of one time pins I can generate in a day. 

The customer service agents I spoke to was NOT very helpful and none of them were able to assist me even after authenticating my identity multiple times.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I am letting you know, respectfully that you are incorrectly reporting some information on my credit report. I'm pretty angry right now to be honest, but I know that mistakes happen. I trust you will fix the situation. 

Here is the wrong info : Account Name : XXXX XXXX XXXX  This account is reporting late on my credit report and I was never late with this account. The account is very inaccurate. It is also reporting being late on months that are not even on or matching the other reports. I keep immaculate records of payment history across all my bills and accounts, and there should be no late payment showing here. Inaccurate late payments like this are preventing me from obtaining credit that Im trying to apply for because it is lowering my credit score big time. I have already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can not be reported. I take this very seriously and I would appreciate it if you remove the late payment mark off this account as soon as possible.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I am letting you know, respectfully that you are incorrectly reporting some information on my credit report. I'm pretty angry right now to be honest, but I know that mistakes happen. I trust you will fix the situation. 

Here is the wrong info : Account Name : XXXX XXXX XXXX This account is reporting late on my credit report and I was never late with this account. The account is very inaccurate. It is also reporting being late on months that are not even on or matching the other reports. I keep immaculate records of payment history across all my bills and accounts, and there should be no late payment showing here. Inaccurate late payments like this are preventing me from obtaining credit that Im trying to apply for because it is lowering my credit score big time. I have already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can not be reported. I take this very seriously and I would appreciate it if you remove the late payment mark off this account as soon as possible.
Consumer complaint received 2022-01-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CA)

I have an old Cash App account that Cash is not allowing me to gain access to because I no longer have the debit card linked to the account that was created about 8 years ago. I have access to the email used to create the account and other personally identifying documentation, but they are withholding any access and funds to the account and claim that there is no way for me to access my {$560.00} balance.
Consumer complaint received 2019-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THE DISMISSED ACCOUNTS NEED TO BE REMOVED OFF MY CREDIT FILE FOR IT HAS CAUSED TREMENDOUS DAMAGE TO MY REPORT. PLEASE SEE ATTACHED FORMS AND RE-INVESTIGATE THIS MATTER.
Consumer complaint received 2023-04-02
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: EQUIFAX, INC. (LA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2016-06-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: ORG GC GP BUYER, LLC (CA)

I unjustifiably got a XXXX violation XXXX XXXX 3 years ago ; I was not talking on my phone and proved it via showing the exact day/time of my phone bill. I also wrote a letter disputing the claim and they made me go to court 7 times on this matter also took my driver 's license away! I wrote a legal letter stating they are wrong, using the Appellate Division, Superior Court, XXXX County. 
PEOPLE of the State of California, Plaintiff and XXXX, v. XXXX XXXX XXXX, Defendant and Appellant. No. XXXX. 
Decided : XXXX XXXX, 2013, case as the model. Long story short, XXXX XXXX XXXX would n't accept my supporting documentation and suspended my license. I had to pay {$170.00} + fee to attain my DL back. Now b/c someone at the XXXX XXXX court entered the check I mailed out late, they sent a debt collector to harass me for another {$300.00}! If I do n't pay it the manager threatened to suspend my license and revoke my driving privileges altogether. I can not afford a lawyer and I NEED HELP. This injustice has gone on LONG enough. Can you please help me. Sincerely, XXXX
Consumer complaint received 2024-02-04
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. (WI)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # 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 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2023-02-14
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.
Consumer complaint received 2023-07-04
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CO)

On XX/XX/XXXX I received an email telling me that an additional payment I had attempted to make was returned by my bank. On the XXXX of XXXX, I received an email telling me that my account had been closed. When I looked in my Amazon store card account it showed me that my automatic payment had gone through, but the additional payment had been rejected. 

After reaching out to Synchrony, the bank that controls the Amazon store cards they informed me that after the rejected additional payment they closed my account after a single email. 

Synchrony confirmed that the account has never been delinquent and was never behind on payment, however, due to two bad additional payments above my monthly payment in the last 6 months they have closed the account. 

Synchrony made no effort in either of their communications to inform me that ANY NSF payments for any reason could be grounds for terminating an account.
Consumer complaint received 2015-06-10
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A. (NJ)

Home Depot dropped my credit limit from {$25000.00} to {$500.00} and then demanded I pay the balance that was now over the limit ( which was approx {$4000.00} ). I have spent hundreds of thousands of dollars with their company and have never been late on a payment during the 10 years that I have been a customer. Two days before this happened, I paid off {$17000.00} I spent on a new kitchen just before the 0 % interest promotion ended. I believe that they did this as punishment for not exceeding the promotional period and accruing around {$7000.00} in interest. I tried to resolve this with their company XXXX times and after being transferred around from person to person over and over, they finally just left me on perpetual hold and never answered again.
Consumer complaint received 2023-01-03
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. (NE)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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 2024-02-04
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ALLY FINANCIAL INC. (WI)

They first called me about a friend of mine. I could not help them. Then they started combing my socials calling people Im connected to asking for me!!! I have no debt with these people. I never took out a loan with Ally Financial. They need to stop. Friends are reaching out to me concerned and worried.