davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-28
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA (NE)

On XX/XX/2024, I received a notification from Apple ( Goldman Sachs ) stating that my credit card account was closed due to failure to comply with the terms of the Customer Agreement. Prior to this, I had initiated chargebacks for fraudulent charges from XXXX. I hadn't used XXXX in over a year but was still being charged {$9.00} monthly for a XXXX subscription. Despite checking all my XXXX accounts and finding no active subscriptions, the charges continued. In response, the Apple support agent advised me to change my Apple password, reset my Apple purchase information, and initiated chargebacks for the past five XXXX charges. 

This same issue occurred last year, resulting in multiple chargebacks for the {$9.00} subscriptions. In total, I have had around 20 chargebacks related to XXXX. After the most recent set of chargebacks, my Apple Card account was closed. Losing this account, which is one of my oldest, will significantly impact my credit score and reduce my total available credit by {$5500.00}. 

I contacted an agent for clarification, but they only reiterated that my account was closed due to a violation of the Customer Agreement and suggested reapplying for the Apple Card in the future. The agent also seemed to actively avoid discussing the option of filing a complaint with the CFPB, offering no further assistance.
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Delete this account please XXXX < Back Account Details XXXX XXXX XXXX Last reported XX/XX/XXXX {$890.00} Open balance XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 1 yrs, 5 mos ) Account status Open Type Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX Report info A Take a look at some options to help your score Average score improvement if you take care of a collection in the first 2 years Removed +23 pt Today Credit Cards $ Loans Money 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 2024-06-28
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

The information they are reporting is incorrect and inaccurate.A real true debt validation is send all info being requested by the person being accused of owing debt Im requesting the History of the account.I want all my account statements Which will show the balance of the account I dont want an itemized statement.I want all my statements for history of the account.If you cant supply this delete the file from all XXXX credit reporting agencies. 
I want all the notes that is on the account .I want the original credit card agreement with Terms and conditions Why wasnt I given any pandemic relief.They didnt help me during the pandemic pay off the debt .They didnt offer any resolution or care act.All this will be brought up.If I choose to file a lawsuit.I will then request legal discovery and subpoena what Im askingIm willing to pay the {$400.00} to take this to federal court.They filed a case in District court i guest to intimidate me.Which should be a violationThis incorrect and inaccurate stuff on my credit is a violation of my civil rights and FCRA and FDPA. 

A federal lawsuit will be filed if this isnt investigated.If Im not given what Im requesting
Consumer complaint received 2024-06-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

We have been trying to close our 5/3 accounts for weeks. We ( both my husband and myself ) have spent hours ( and hours ) on the phone trying to close our accounts. We have successfully closed them multiple times just to have them reopened without our consent.
Consumer complaint received 2024-06-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Synovus Bank (FL)

XXXX XXXX Type of account : credit card Date open : XX/XX/year> Account charged off. {$430.00} breaking the Tax regulations FDCPA and the FDCRA. I have complied with all the information you requested. 
. The report of such inaccurate information has caused severe damages to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes. 
The Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
.Except as provided in paragraph ( XXXX ), the term consumer report does not include The above law states that my consumer report does not consist of TRANSACTION OR EXPERIENCES between me the consumer and you the person making the report. 
also is furnishing inaccurate and incorrect information to the consumer reporting agencies ACCURACY AND FAIRNESS OF CREDIT REPORTING Your company 15 usc 1681 congressional finding and statement of purpose 15 usc 1681a ( 2 ) definition rules of construction 2 ) EXCLUSIONS ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 usc 1681 s-2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( XXXX ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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 the information is inaccurate.
Consumer complaint received 2024-06-28
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

Hello, I am having trouble using XXXX XXXX {$50.00} American Express prepaid cards. I am unable to use them to make online purchase with retailers and payment services such as XXXX and XXXX XXXX. Using the prepaid cards ends with a {$0.00} pending transaction ( to verify the card ) but is declined when making any purchases.
Consumer complaint received 2024-05-22
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I just got a copy of my credit report, I notice you are reporting this account incorrectly. This collection account is already as PAID/CLOSED, According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

I have reached out to Equifax multiple times to get these hard inquiries off my credit report. The XXXX XXXX ones should be off as they are for real estate and should not be pulling as they over a year old. XXXX is also a real estate and is XXXX XXXX XXXX and should be deleted. Please have them fix this, I am trying to improve my credit score to buy a new home. 

Thank you so much
Consumer complaint received 2023-06-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: NAVY FEDERAL CREDIT UNION (NC)

Navy Federal Credit Union approved an auto loan and overnight the check onXX/XX/XXXX. I found a vehicle onXX/XX/XXXX and the dealership called Navy Federal Credit Union to get authorization code to clear the check. Everything got cleared and we finalized the paperwork. I put insurance on it bought stuff for it and I'm ready to start business. 

On XXXX the dealership calls and states that the check did not clear. The bank called me as well after I received call from him to tell me they could not clear check because it's a commercial vehicle. No one had called me up until this point. I had spoke to several of the Navy Federal employees and all pulled up the account seen all the info on the vehicle including the XXXX report. They all stated everything was good to go. 

Navy Federal stated that I would have to get a business loan approval. So I called and tried to apply but they will not do vehicles under XX/XX/XXXX. So now I have a truck in my possession with a signed contract agreements that's not paid for. The dealership has spend money out and got everything transfer over and now have a truck that has accumulated more miles. 

Navy Federal Credit Union doesn't want to take accountability for their mistake even though some of their employee 's think they should. I need HELP!
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

XXXX, XXXX, and Equifax continue to report my information incorrectly. My name is XXXX XXXX and my only address is XXXXXXXX XXXX XXXXXXXX  XXXXXXXX XXXX  XXXX there should be no other names or addresses listed on my report. I have provided all required documents to the consumer agencies to verify this information.
Consumer complaint received 2024-07-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BMO Bank, N.A. (CO)

I attempted to XXXX money s hold was place and I was told it would take 24 hrs. I asked my back bmo harris what was happening and they said it would take 24hrs to fix. I stated that is to long don't send the money but please fix security issue. Then the money was sent anyways. And I am unable to get it returned in the amount of {$350.00} dollars.
Consumer complaint received 2023-09-21
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. (TN)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXXXXXX Balance : {$19000.00} XXXX XXXX Balance : {$21000.00XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2024-05-22
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: Experian Information Solutions Inc. (OR)

I have always guaranteed timely payments on this account, avoiding any overdue status. I'm not sure why there are mentions of late payments on my accounts. According to 15 USC 1666b, billing errors need to be rectified.
Consumer complaint received 2024-05-22
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. (FL)

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-22
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. (FL)

The items listed are entirely inaccurate and incomplete, indicating a substantial error in their reporting. I kindly request the removal of this misleading information and urge you to ensure the provision of an amended credit profile to all creditors who have received a copy within the last six months, or the last two years for employment-related purposes. 

EQUIFAX : XXXX  Under 15 USC 1692g. Validation of debts XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX : XXXX. Under XXXX XXXX XXXX. Validation of debts XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. Under 15 USC 1692g. Validation of debts XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

XXXX XXXX. Under 15 USC 1692g. Validation of debts XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. Under 15 USC 1692g. Validation of debts XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report.
Consumer complaint received 2024-05-22
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: Experian Information Solutions Inc. (OR)

I have always ensured payments on this account are made on time, preventing any from becoming overdue. I'm unclear about why there are reports of late payments on my accounts. Per 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TN)

This is my several endeavors 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, remove 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

PLEASE BLOCKED AND REMOVED I urge you to take immediate steps to remove the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please address this promptly.

I kindly request the immediate removal of this inquiry from my credit report, as it is not associated with me, and I have no affiliation with the involved creditors.
Consumer complaint received 2023-11-02
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: ADP Inc. (AL)

I started working at XXXX XXXX on XX/XX/XXXX. I received the Wisely by ADP card for my tips and paychecks. When I began working I gave my employer my social security card and ID. When they went to activate my card they sent in the wrong social security number. My employer and I have contacted them six times now ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX being the 4th time ) to get this matter resolved. They requested for me to send my ID and Social Security Card over which I have done 4 times now. 

Yesterday was the third time I have sent the documents as requested over and was told to call back in 24 hours and it should be fixed. This has been going on for almost 3 weeks now. I have sent the info they wanted and still can not get my card fixed so that I can get my paycheck which is how I eat. Please help me get this fixed. I have no money to my name and I have been paid through this card many times and can not get to the money yet. I NEED THIS
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I am writing to formally dispute and contest the accuracy of certain accounts listed on my credit report. Upon meticulous review, I have identified discrepancies that raise serious concerns about the integrity of the information being reported. These inaccuracies, specifically late payments, do not reflect my financial behavior or history accurately. I have taken proactive measures to address these discrepancies by contacting the respective banks associated with these accounts. I am pleased to inform you that after thorough investigation, these banks have acknowledged the errors and have agreed to update my accounts and remove the late payments. Furthermore, I would like to bring to your attention that other credit bureaus have already updated these accounts on their records. Therefore, I kindly request that you expedite the process of updating my credit report to reflect these corrections. 

XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment XXXX you are expected to eliminate any records recorded on an XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX BRCLYSBANKDE XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-21
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: Experian Information Solutions Inc. (NJ)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldnt be on my credit/consumer report. 
XXXX  XXXX BANKRUPTCY Account Number : XXXX Please remove it from my credit report. 


2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 


3. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


4. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MT)

I disputed to reporting agencies all debt concerning XXXX  XXXX Acct # : XXXX and all claims to contract pursuant 15 USC 1602g, 1666B ( a ), 1681b ( 2 ), 31 USC 5118 ( d ) ( 2 ) under consumer report exclusions. My identity was stolen and all negative items do not belong to me and was charged off and reported without express written consent. These are considered identity theft and adverse actions.