davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-19
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL (CA)

XX/XX/2022 I purchased XXXX flooring and products including installation, from XXXX improvement center. The contract was broken multiple times by the XXXX floor installers. I was promised compensation for faulty workmanship and for XXXX  damaged bed and bedding caused by installers. XXXX XXXX named XXXX was who promised to make things right. I am attaching a letter describing my dispute, along with photos of text messages to XXXX XXXX and blood stained bed and bedding, blood on floors, poor workmanship, documentation that supports my complaint. I filed several disputes with XXXX credit card company. First dispute credited my account and the turned around months later and recharged my account, reason they said it was charged back to me was that the response from company was I received product and was happy throughout the entire process. That statement is untrue and I was not happy with the installation or the blood damage they did to my home and furniture. I was informed to open another dispute and send as much documentation as possible, so I did and they closed second dispute for reason, 'no documentation received '. I called XXXX credit card company today, and they verified they have all my documentation. Now they are telling me to open yet another dispute, which I did. This has been going on for several months with back and forth. I can not get any acceptable resolution from any parties involved. I am disputing 100 % of the charges {$7600.00} for contract broken, XXXX  stained mattress replacement, poor quality installation, pain and suffering. XXXX gave me the run around and sent me to corporate, which also gave me the run around and now I am disputing charges with credit card company. The credit card company is not helping and they are also giving me a run around. PLEASE HELP
Consumer complaint received 2024-06-14
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (FL)

I had identity theft and some XXXX else is using my name and info to open up phone an internet accounts with XXXX XXXX XXXX and XXXX and I already sent in police reports for the identity theft and closed the accounts and have disputed them over and over thru my credit report and they are still on there and now have debit collectors putting it back on my credit an hare assignment for money and ruin my credit score I have worked very hard to fix after the identity theft I've had and I just want them off my credit because they're not mine. They've already proved and showed documents. I don't know anybody any money. I just want them out of my life
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (FL)

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX of Birth : XX/XX/year> Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX XXXX, Florida XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am a natural person, I am a living human bring. I have the right under 15 USC 1681 TransUnion is goven by 15 USC 1681 and they violated my rights numerous of times. I demand the accounts listed below be removed because according to 15 USC 1681 I have the right to privacy i did not give TransUnion written permission to funish these accounts, credit collection servic XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-16
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: U.S. BANCORP (OH)

US BANKXXXX XXXX XXXX XXXXXXXX and XXXX XXXX has ran my credit reports without my consent i am really upset about this due to the fact i am trying to get a home and got denied due to their fradulent inquires. 

XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XXXX
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (FL)

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX XXXX of Birth : XX/XX/year> Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group (FL)

CKS Prime XXXX XXXX XXXX XXXXXXXX ) {$1000.00} account # XXXX was opened on XX/XX/year> when I never received service or did business with said company. I have contacted company several times. I requested the collection of account to be paused and investigated as due to identity theft I put a lock on credit provided evidence and requested a response with no reply by creditor or response via certified mail USPS, telephone, and email. They have not given or sent a statement and there are many incorrect address and mispelt of person identified. Please assist as soon as possible to resolve because this is stopping my for getting shelter a home due to my credit collection account. it is hurting me economically.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AR)

Hello! I am sending this complaint as I noticed that there were no deletion updates happened in my credit reports. I am a bit disheartened that the XXXX, Equifax, XXXX Credit Bureaus have not removed any of these inquiries even in the first place. I hope this time the Credit Bureaus will remove these inquiries from my credit reports within 15 days : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 EQUIFAX : XXXX XX/XX/2023 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

THESE INQUIRIES ARE A VIOLATION OF 15 USC 1681b ( a ) ( 2 ) please provide me written instructions that I the consumer gave you authorization to furnish this information. If you can not provide me these instructions written by me prior to this notice, then that CONSTITUTES AG
Consumer complaint received 2024-06-14
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NY)

I was planning to use my credit card. I was reviewing my credit report and showed XXXX of my accounts were closed when I look at the Phone app. There is no indication at all that my account is closed and in fact, it shows an available balance. And in fact, next to the available balance is a button to click to explain what the available credit balance means. I made a complaint to the credit bureau to say it was incorrect. Since based on the app. It showed my account was open and I was not given any reason or notice that my account was closed. The bank came back and did not change the information on my credit report. When I contacted the bank directly, they confirmed the account was closed. They refused to tell me verbally what the reason was because they claim, they have no access to that information. They said I would get a reason in the mail-in XXXX weeks. I waited XXXX weeks. I did not receive anything. I called the bank again again. They confirmed it was close. I explained to him how I found the deceptive. How could the account be closed yet? When I look on the app, there is no indication that it is closed and it shows me this in the available balance and there is no indication at all of a close status. Again, they told me they could not give me the informationverbally and they claim they will send again a notice in the mail. 
When I when I told them, I wanted this escalated and I was going to file official complaint with the CFPB I was transferred to a supervisor and when I told him he transferred me back to the first line regular customer service after specifically stating before he transferred me, he said. Since you want to escalate this, I need to transfer you. And he put me right back to a regular customer service. SO my problem is this. I find it very deceptive. How I could go on an app seen available balance? No indication in my account is closed yet. My account is closed. Had I not checked my credit report? I could have easily been in a financial problem. Trying to use my credit card and trying to use the amount which the bank is telling me is available to me to use in my credit line. So XXXX I need to find out what the reason was.That they closed it and second of all the bank must stop immediately being deceptive by closing accounts.Yet having it display in the Phone app.There 's an available credit line and making the customer.Believe in this case me that I have an available credit line when.In fact the account is closed
Consumer complaint received 2024-06-15
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: Conn's, Inc. (AR)

According to the IRS and unpaid charge off is income and according to the fcra income can not be reported on a credit report. I'm requesting a XXXX cancellation of debt from the following charge-off accounts listed below. XXXX  ACCOUNT LISTED ON ATTACHED after checking my most current report the updated information stated the account was purchased by XXXX XXXX XXXX this account can not be reported as a charge off on my credit report if the account was sold to another lender. Please send the XXXX form PER Arkansas Fair Debt Collection Statute A.C.A. XXXX THE CONTRACT IS TIME BARRED AND SHOULD BE DELETED AS 5 YEARS HAS PASSED FROM XX/XX/year> NO COMMENTS LISTED TO PROVE ACCOUNT HAS BEEN DISPUTED BY ME EITHER. IVE INCUDED DOCUMENTS TO FIND ACCOUNT AND FOR MY IDENTITY. IM ALSO AN IDENTITY THEFT VICTIM AND ACCOUNT IS A ACCOUNT I HAVE REQUESTED TO BE REMOVED AND OR BLOCKED I CANT RECOGNIZE THE ACCOUNT AND HAVE TRIED AND TRIED TO HAVE THEM REMOVE ACCOUNT. THEY CONTINUE TO NOT PROVIDE INFORMATION. I HAVE SUBMITTED PAPERWORK AS LAW REQUIRED AND WILL NOT SUPPLY ANY MORE DOCUMENTS BUT I DO REQUEST FOR THEIR LEGAL CONTATC TO FILE MY SMALL CLAIMS COMPLAINT WITH THE COURTS IN XXXX XXXX.
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (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.

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 informationisinaccurate.
Consumer complaint received 2024-06-15
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (NY)

My account was closed in XXXX of XXXX it is now XX/XX/XXXX 7 months later & i still have not received my closure check of {$7200.00}. Which I believe there was roughly XXXX more in my account but since Chime locked me out of my account I have no choice but to just go by the statement they sent me which i had to request at the time of closure. Any time i call to find out where my check is they give me a run around saying they dont know why i havent received it yet but will mail another ( which never comes of course ) OR they hang up on me. I want my money. Thank you.
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAINE & WEINER COMPANY, INC. (TX)

Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. 


XXXX XXXX XXXX, XXXX XXXX, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' XXXX ) to confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 

What this means is that your company must be willing and able to produce a document in your files that proves the account ( XXXX ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury.

As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).

You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately.
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (NY)

I have reached out to all three credit bureau companies in regards to wrong information which has effected my ability to obtain credit and asked incorrect information to be removed but I see it wasnt resolved and still showing up on my credit without correction. 
I have asked for leader to provide written document with my full name signature indicating or prove when account year month and date when this account was opened also provide correct and proper living address at the time account was opened.
Consumer complaint received 2024-06-14
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: General Motors Financial Company, Inc. (OH)

XXXX ( XXXX ) years ago on XX/XX/XXXX, I purchased my vehicle financed from GM, but on XX/XX/XXXX only over a month later, I had problem with engine light which was then turned off But no replacement, or repair offered, nor was warranty with regard to Federal Law Madison-Moss warranty Act. From XX/XX/XXXX - XXXX XX/XX/XXXX., I had to continually do repairs Then finally my vehicle broke down from XXXX XX/XX/XXXX. Amid XXXX XXXX pandemic I was given a forbearance, modification Deferred payment plan by GM But in XX/XX/XXXX, it was cancelled without noice, making all payments current again, then sent me a 120 days late notice. I was told to go to XXXX XXXX to pay {$400.00}. On XXXXEven though, my vehicle did not run. So I made the payment. Then the following week XX/XX/XXXX. GM illegally repossessed my nonoperable vehicle. Then they closed then agreed to closed the account on XX/XX/XXXX and again on XX/XX/XXXX. I do not owe GM.
Consumer complaint received 2024-06-15
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: ROBINHOOD MARKETS INC. (MA)

I reapplied to open a Robinhood account, submitted the documents they needed, but after a month they continued to ask me for more of my personal, private information, and after I provided it to them, they still didn't open an account for me and tried to continue to ask for my information, and I wanted them to disclose how they were going to use my personal information, but they refused to do so and blocked me from the dialog box. Then agreed for me that the problem had been resolved and refused to give me a customer service number and phone service.
Consumer complaint received 2016-11-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (PR)

Approximately XXXX I have been a victim of fraud and ID theft. Someone open various accounts, request credit and made credit inquiries on my name, illegally, fraudulently and without my authorization and knowledge. On XXXX I put a credit alert and I report it to XXXX XXXX Police with the incident number XXXX. Then I made and Identity theft victim 's complaint FTC # XXXX and affidavit and I made a report and informed it with the XXXX credit bureaus ( including Equifax ). Equifax did not correct the following information : inquiries made fraudulently : XXXX made in XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX ( the XXXX XXXX ) XXXX XXXX XXXX XXXX I call Equifax to correct and delete from my credit the above inquiries and they told me that I must call and notify those companies that the mentioned inquiries were fraud. I called each company and answered all mail for them. I have evidence, for example : a letter from XXXX XXXX saying that they close the account because they determined was a fraud and I have to allow 45 days to the consumer reporting agencies to update their record. Equifax did not update my credit record and constantly put the XXXX fraudulent inquiries in my file. I call them and by internet notified them that those inquiries were fraud. I have all disputes confirmations # as and effort to correct my credit information : Confirmation # and dates XXXX made in XXXX bay phone ; XXXX made in XXXX ; XXXX made in XXXX ; XXXX made in XXXX and all with the following note : '' The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor '' I did call each creditor and also send the Police report to Equifax and Equifax did not update my credit information by deleting fraudulent inquiries.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (PA)

My account with XXXXXXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

NORDSTROM/TD BANK USA Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports