davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-21
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: Experian Information Solutions Inc. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my EQUIFAX credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 
And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
According to 15 USC 1681s-2 they are supposed to 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 inaccuracy.
Consumer complaint received 2023-08-27
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: SYNCHRONY FINANCIAL (TX)

I've sent 3 letters, dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, requesting proof of application, bearing my signature, since I have been a victim of several data breaches. Each company has yet to provide the requested documentation required by law.
Consumer complaint received 2023-08-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Omega RMS, LLC (FL)

OmegaRMS is reporting a collections account for {$3500.00} on my XXXX  report. I contacted them and they went over settlement options, I however wanted them to validate the debt before I made any payment to them cause I do not believe this was my debt. My wife and I are trying to buy a home and this is adversely affecting my credit. I have yet to receive any form of validation. Again, I am requesting debt validation in the form of a copy of the original application that includes my signature. Full payment history from the original creditor. The original agreement showing they can legally collect the debt. I will also need a copy of the purchase agreement. And finally, I am requesting a copy of your bond that shows you are legally registered in my state. It is unfortunate that debt collectors can do this. I am XXXX XXXX as well and they have no regard to those have served  our country.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2023-11-14
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Reference : FDIC Case # XXXX Reference : CapitalOne COMPLAINT # XXXX with the Bank XXXX XXXX XXXX. 

XX/XX/XXXX Opened XXXX mo CD with $ XXXX 4.1 % with annual distribution of interest by XXXX XXXX XXXX bank of {$8300.00} - totaling {$16000.00} at maturation XX/XX/XXXX. 

On XX/XX/XXXX funds did not transfer into bank account. Called CapitalOne, spoke with XXXX, could not be helpful because of weekend and was unable to provide information about CD amounts and interest- said it should fund on XXXX! XX/XX/XXXX or XX/XX/XXXX. XX/XX/XXXX still no electronic transfer. Called CapitalOne spoke with XXXX. She quoted the accrued interest for electronic transfer @ {$6100.00}!! Inaccurate!! She stated that the discrepancy in interest amount might be due to the fact that the interest was being transferred to another institution instead of re-invested at Capital One. If true, this WAS NEVER Disclosed when XXXX was opened in XXXX. XXXX stated that the electronic transfer would occur at midnight, tonight - XX/XX/XXXX. 

Capital One is committing fraud- has not fulfilled commitment to make electronic transfer of accrued interest {$8300.00} on XX/XX/XXXX, as stated in XXXX with representative when XXXX was opened. AND Capital One is withholding funds, collecting interest on my CD and customer service XXXX XXXX XXXX XXXX are unable to provide pertinent information because it is unavailable to them by CapitalOne. Filed complaint with FDIC on XX/XX/XXXX - which has been forwarded to XXXX XXXX Comptroller of the Currency. 

On XX/XX/XXXX, XXXX at CapitalOne initiated COMPLAINT # XXXX with the Bank XXXX XXXX XXXX. 

On XX/XX/XXXX - Funds still not transferred as promised, yesterday. Called Capital One and spoke XXXX, who transferred complaint to XXXX. XXXX stated " escalation was in process '' taking XXXX days. Advised her of FDIC complaint # and complained that the Capitol One website displays inaccurate information about the actual XXXX accrued interest. Website says {$6100.00} but should be {$8300.00} annually XXXX interest accrued during delay of transfer from XX/XX/XXXX and another display indicated interest amount of {$8100.00} which is a shortage of {$160.00}!!!! This is inaccurate and misleading to anyone not aware of the discrepancy or willing to take the time and effort to investigate. She indicated transfer should occur tomorrow on XX/XX/XXXX. 

Update : On XXXX {$8100.00} transferred into bank account. The shortage is {$160.00} and likely will be shorted again at term XX/XX/XXXX. That would total {$330.00}. To date, XX/XX/XXXX, XXXX, Capital One has NOT responded to my complaint or transferred the {$160.00} for which I'm requesting interest. This is XXXX. 

Thank you for your efforts in addressing this complaint.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

Notice to Cease and Desist To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company via email dated XX/XX/year>. While checking the above report, it came to my notice that your Company has furnished an account on my report. Account - XXXX According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). Draft Cease & Desist Letter 2 Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). If you do not cease communication a lawsuit will be commenced against you. Thank you for your cooperation Sincerely Name XXXX XXXX Enclosures : 1. Copy of Consumer Report
Consumer complaint received 2019-04-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NY)

I have been trying to dispute a negative mark listed on my credit file from a company I do not recognize with no, luck. I called the collection company and was told I had to pay it. 
upon asking them for a signed contract with them they were unable to produce such. 

instead, they sent me a letter with an address I don not recognize.
Consumer complaint received 2023-11-14
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (WA)

XX/XX/XXXX I received a statement from XXXX XXXX chargea amounting to {$430.00}. I was surprised because I didnt make any purchases, I didnt allow anyone to use the card. I called homedepot and dispute the charges. They responded that they will investigate. XX/XX/XXXX, decision says there is no unauthorized use and iam still responsible for the charges.How did they get that decision? I told them first hand that I didnt make any purchases or charges.? Credit scores went down XXXX plus points with this and statement arrived yesterday plus interest. Im very stressed
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XX/XX/XXXXXXXX XXXX CA XXXX XXXXXX/XX/XXXXXXXX Balance : {$0.00} XXXXXX/XX/XXXXXXXX Balance : {$12000.00} XXXX XX/XX/year>
Consumer complaint received 2023-08-27
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (MD)

I was researching new cards for a potential balance transfer. My research showed the Citi Simplicity card might be a good fit. I could not get any information about credit limit thresholds so ended up unintentionally applying for the card while trying to get this information. I was approved for the card with a balance limit of {$3000.00} - much lower than what I was looking for. I did not realize I was applying for a card. Now I have a credit card that does not meet my needs and I risk impacting my credit score if I close it. I asked Citi to increase my credit limit and they declined telling me I need to have the card in good standing for 6 months before they can do this. I asked them if they could consider my existing Citi card and match the balance and they told me the fact I have another card, despite having a XXXX balance, this is why they can not approve my credit increase request. Consumers need to have information about credit limit thresholds made available before applying for cards. I would not have applied if I could have obtained the credit limit information.
Consumer complaint received 2017-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (PR)

For twelve ( 12 ) years Ive been called a privileged member of the American Express Card, but it seems they change their minds, as they recently canceled my account without any notice. When I try to find out the reason for said cancellation, they alleged that they do it for three ( 3 ) reasons : I have a decrease in my credit score punctuation Two ( 2 ) late payments, One unpaid payment for insufficient funds First of all, my credit score punctuation has been the same for more than one year ; it doesnt decrease in any way, as they said. The two ( 2 ) late payments alleged, were made on the past year, not on this year, and it was the only time that this happens in the past 12 years of using the credit card. The called unpaid payment was a payment made in advance, as the account was on-date. If the reasons alleged were reasonable, then why they dont cancel my account during the past year, and decide to do it now. I will understand so, and will not feel angry for that, if there was a real understandable reason for the cancellation. I think that maybe their action now responds to a claim made a few days before ( the first-one I made in 12 years ), when I finally was oriented that during the 12 years I have accumulated a total of XXXX points, which is equivalent to {$10000.00}, and that I could use the points to pay the total amount due on my account up to that date, which was around {$6000.00}, and still have enough points to continue and keep on using the credit card. When I called to make that move and ask them to redeem the points acquired, they canceled the credit account and the points accumulated for said years without any notice or advise. Clearly it looks that this is a strategy for not redeem the points, in order to keep on receiving money from their members, instead of applying the points acquired to the account. In the past 12 years, every time I need to talk to someone by phone, there was a XXXX speaking person on the other side eager to help me. Since this situation happened, I ask for a reconsideration, and every time I try to call and ask for a XXXX speaking person to explain the situation, theres no one able to speak to me in XXXX, and I have to talk to an interpreter, which results humiliate for me, as it is difficult for me to understand all the terms in english. This is why after seeing your online page, I decide to write you, and ask you to assist me in this matter. I will be grateful for your assistance.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. 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 XXXX, CA XXXX XXXX XX/XX/year>
Consumer complaint received 2023-08-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: COMMUNITY FINANCIAL SYSTEM, INC. (NY)

I recently made a check deposit of {$5000.00} on Thursday to my Community Bank N.A. savings account. I understand checks that large take time to clear and the funds may be held. Though there is absolutely no reason for my entire savings account to be restricted when I already had cleared funds in it. I have very little money in my checkings account, and went to transfer some of the money I already had from my savings to my checkings. It will not allow me to do so as it has my ENTIRE savings account restricted, and its now saying on the app that I dont even have a savings account right now. I have things to pay off, it is absolutely unacceptable to have funds I already had locked up.
Consumer complaint received 2024-05-25
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. (MI)

I discovered that some of the information in my credit report was incorrect when I looked into it. In accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), XXXX, Equifax and XXXX must authenticate these accounts. ( A ). Treating these reporting accounts as unverified information without presenting evidence within the allotted legal time frame is unacceptable. Both 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) are mentioned. ( A ), kindly look at the following unverified accounts : XXXXXXXX XXXX XXXX Balance : {$9700.00} XXXX XXXX Balance : {$800.00} XXXX  XXXX XXXX Balance : {$1800.00} XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UNITED STATES MINOR OUTLYING ISLANDS)

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 2023-08-27
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (LA)

On XX/XX/XXXX, I received a welcome letter for the American Express Platinum card. I applied online for the line of credit. American Express immediately denied an extension of my credit. This counts as two violations of ECOA / Regulation B, by denying me and further discouraging me from applying for an extension of my credit.

Adverse action is illegal. 15 usc 1602 section F and P both state credit is my right, and I can not be denied a right. The term creditor means someone who regularly extends credit. Credit is the right granted by a natural person meaning I am the original creditor. So how can American Express deny me access to my own credit? They can not go by a credit score
. The credit score is not the determining factor for credit worthiness. Its illegal to use this against the consumer because it leads to discrimination and misrepresentations.
Consumer complaint received 2023-08-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (SC)

CREDIT COLLECTION SERVICES, WHICH WHO I DO KNOW THIS COMPANY IS IN SERIOUS VIOLATION AND BREACH OF CONSUMER LAWS AND FEDERAL LAWS. YOU ARE IN VIOLATION OF : 1. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 2.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 3. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 4. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 5. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 6. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 7.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 8.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 9. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU ARE NOW TELLING ME AGAIN TO CALL IN AND1DISPUTE INFORMATION THAT DOES NOT BELONG TO ME. THIS ANOTHER VIOLATION 10. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) YOU HAVE 5 DAYS NOT 60 DAYS. ITS UNLAWFUL TO KEEP HARMFUL AND DECEITFUL INFORMATION ON MY REPORT. PLEASE AGAIN, REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT!
Consumer complaint received 2024-05-25
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. (OH)

For the last time I address this significant repeating concerns regarding the accuracy of my credit report Still failure to positively comply these accounts evidences and continuing hurting my ability to obtain credit.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability In multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the XXXX period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completedPursuant to the FCRA, XXXX consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time.

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 
Please update my credit report as per law abiding accuracy of data. 
Please make all listed below update or deleted in my credit report!