davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX : {$4400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (CA)

I owed {$380.00} to Santander Consumer USA for a rekeying of my car after they repossessed it in XXXX. This fee was to be paid prior to the end of the loan being satisfied, which is not until XX/XX/XXXX. I paid the fee as of XX/XX/XXXX. 

Every single month I split up my car payment of {$640.00} into XXXX payments of {$320.00} to satisfy the full amount for each month. My due date is the XXXX of each month, and I have a 10 day grace period before any fees would be applied. For the month of XXXX, I owed the following {$640.00} + the rekeying of {$380.00}. On XX/XX/XXXX, I made the first payment of {$320.00} to be applied to the XX/XX/XXXX bill, On XX/XX/XXXX, I paid the rekeying fee of {$380.00}, and on XX/XX/XXXX ( 2 days after the due date ), I paid {$320.00} to satisfy the XX/XX/XXXX payment. At this time I should only owe {$640.00} by XX/XX/XXXX. Currently in addition to the XXXX bill displaying, {$320.00} is still showing as still being due on my online account. 

When I called Santander on XX/XX/XXXX, the representative insisted that I still owed for XXXX and the {$320.00} fee was being applied to XXXX as a partial payment. I informed her to please apply this payment Correctly and make sure to apply the XX/XX/XXXX payment to the balance showing online as {$320.00}, which was due XX/XX/XXXX, but was still paid within the 10 day grace period. 

Santander has a history of misapplying payments, so before I make my full payment by XX/XX/XXXX, I want to make sure they show the {$320.00} as being applied.
Consumer complaint received 2024-03-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NJ)

Sometime in XXXX or XXXX I lost my card not sure where or when exactly as I don't use the physical card often as I usually use my phone 's tap to pay or online. I reported my card lost around XX/XX/XXXX and I noticed the fraud charge while checking my statements around the same time which was made on XX/XX/year> at a XXXX 's of {$350.00}. I reported the charge as fraud since I didn't make the purchase. Chase processed my claim and denied it a week or two later in XXXX. I called again and ask them to investigate my claim as it wasn't me. They supposedly did an investigation and denied the claim again in the month of XXXX. My last call with them was on XX/XX/XXXX in which they explain their decision by saying that there was no evidence that it wasn't me who made the purchase and requested receipts or similar proof to show it wasn't me. I explained that this was an unreasonable request as I don't have any receipts or able to obtain any proof they are looking for. They explained there was nothing else they could do. It is unacceptable that a credit card company doesn't honor their fraud policy and requests such a high degree of evidence that is borderline impossible to get.
Consumer complaint received 2024-03-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On XX/XX/XXXX I received an email letting me know there was a document named " Notification of Overdrawn Account '' available to view on my account. This was for an account that was supposed to be closed in XXXX of XXXX. I logged into the account and noticed a direct deposit was made to the account on XX/XX/XXXX in the amount of {$61.00}. This deposit reopened the account, and I was being charged a {$9.00} per month service charge without my knowledge. I believe I should have been notified in some way about a deposit being made to an account that was supposed to be closed, instead of 7 months later after wiping out an account balance I wasn't aware of with service fees. I called customer service, and was told the account could only be zeroed out and closed again. I filed a Better Business Bureau complaint on XX/XX/XXXX about this. On XX/XX/XXXX I spoke on the phone to a representative named XXXX with the Office of the Chairman. He told me there was nothing that could be done.
Consumer complaint received 2024-03-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY (PA)

This letter serves as a formal notice of dispute for denial of credit for not allowing you to access my non public info and per 15 U.S. Code 1691 ( a ), ( b ) 2 It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction which is a violation per 15 U.S. Code 1. So, it is my intent to rescind the consumer credit transaction I entered on XX/XX/2024 for an open-ended line of credit involving the acquisition of the platinum credit card.
Consumer complaint received 2024-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/XXXX, XXXX fell victim a BOAXXXX scam thinking I was communication with Bank of America as the incoming text and call phone indicated they were coming from BOA. The BOA imposter stated a fraudulent transaction was being attempted on my account in the amount of {$340000.00}, He instructed me to pull up XXXX on my account and sent me a code to type in to block this transaction. The phone then disconnected and I called BOA because I didnt get the claim number he stated would pop. I called the bank and was informed I was scammed. My account was overdrawn by {$3400.00} because I only has {$10.00} in my checking account. BOA processed this large payment without the funds being there and also without alerting me of a suspicious transaction. I have alerts active on my account and they have stopped me from withdrawing {$1000.00} without calling in first even when the funds were available, BOA is REFUSING TO REIMBURSE this transaction. The are not complyomg with Regulation E ( 12 CFC 1005 ) in regards to fraudulently induced transactions
Consumer complaint received 2018-11-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (CO)

As per a " scam '' to gain money, they had a promotion ( oddly enough they changed the name of the promotion quickly to something else ) to gather direct deposit of at least {$1000.00}, plus {$25.00} fee to open the account, which I did in the timeframe per details ( less than 3 months ). I even made sure with the banker in person several times in the promotion time ( XX/XX/XXXX to XX/XX/XXXX ) that I should be getting funds and that all conditions were met. I was supposed to get an additional {$200.00} as per promotion for that. I never got any money added to my account, no interest, nothing. I was SCAMMED! I want this US Bank closed immediately and fined for stealing money!
Consumer complaint received 2023-12-15
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. (DE)

I have been requesting that XXXX, Transunion and XXXX allow me to exercise my right to opt-out of sharing my information. According tot he Fair Credit Reporting Act 15 USC 1681 Section 602, it states that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumer 's right to privacy. I am the consumer and have the right to make sure that my private information isn't shared which is backed by 15 USC 6801 which states that " it is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of this customers ' nonpublic information ''. The financial institutions XXXX, Transunion, and XXXX do not have my consent to furnish this information and for a fact do not have my written consent to do so. 15 USC 1681 section 604 a section 2 states that " In general subject to subjection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates ''. Any and all consent to Transunion, XXXX and XXXX whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose non public personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX, XXXX and Transunion, who are Furnisher of information to credit agencies, never informed me of my right to exercise my nondisclosure option. In addition, 15 USC 1681 ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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 more than seven years ''. These accounts are adverse items that they are reporting again without my permission which is against the law. 15 US Code 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish and information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate. 15 US Code 1681 e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Transunion, XXXX, and XXXX are no maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' " I am opting out of your reporting services ''.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( XXXX ) without the required XXXX notice, a violation of the reporting regulations you are obliged to follow. 

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within XXXX business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX Employer - XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Inquiries that are being challenged 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 Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
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 2018-11-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (MD)

Please check this account. I can not recall being late on my payments. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : SYNCB/XXXX  Account Number : XXXX Date : XX/XX/2017 Amount : {$1100.00}
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Someone has been trying to apply for credit using my name. The following Credit Inquiries are NOT mine nor did I ever consent or authorize any of these companies to pull my credit. Please investigate this issue and send me the results and IMMEDIATEDLY remove form my credit reports : 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 2021-06-28
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: TransferWise Ltd ()

Dear wise.com is a wire transfer company. 
I tryed to send payment transfer and the company ( wise.com ) canceled the payment and charge my credit card with the amount of ( {$300.00} ), I asked my bank many times and they inform that wise.com never refund this payment to you. 


Please resolve this issue because I been waiting since more than ( 60 ) days to recieve this amount back to my account. 


Visa card end with ( XXXX ) Amount ( {$300.00} ) Date of payment : XX/XX/2021 Attached company reciept. 

Thanks XXXX
Consumer complaint received 2024-04-16
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. (MI)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-03-31
Product: Credit 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: SYNCHRONY FINANCIAL (NV)

There is a charge that was posted to my account on or about XX/XX/2023 a charge by XXXX XXXX posted to my account in the amount of {$360.00}. This charge was not authorized by me. I did not give consent to make such a charge to my account. Furthermore, " XXXX XXXX '' did not provide me with any goods or services. I made 3 attempts to contact this merchant to resolve this issue, they never responded. I then disputed the charge with Synchrony. The dispute process resulted in no response by the merchant and Synchrony did not provide any documentation showing that the charge was authorized or valid. In fact, Synchrony did not respond with any information at all. 

Instead Synchrony proceed to put the charge back on my account, then make debt collection attempts and threats, charging interest, late fees and harassing me to pay a debt which i reported as fraud. 

I made a second dispute and brought to their attention that they are making demands for payment on a charge that has been reported to them as fraudulent. They reversed the charge, then refunded the account. They also issued a new card. However, they did not resolve the issue, they instead re-posted the fraudulent charge back to the card a couple months later. 

Like the first dispute, Synchrony did not provide any proof whatsoever that the charge is valid in any way, shape or form. They merely posted a charge which I have made absolutely clear to them, that " I DID NOT AUTHORIZED '' and secondly " NO SERVICES OR GOODS WERE PROVIDED TO ME ''. The charge is fraud and I am a victim which Synchrony has aided and abetted in taking from me. 

Under Threat, Duress and Protest i paid Synchrony because they have already demonstrated to me that they will cause harm to me and my credit if I did not pay them this fraudulent charge. Also they are on notice that I intent to report them to FTC and CFPB, which obviously they appear to not care about. 

Again : The Charge in the amount of {$360.00} is in dispute ; I declare said charge is fraud ; and said charge is without my consent for which I did not receive any goods or services. 

Bottom line, when a charge is reported as fraud, and the victim is telling you that no services or goods were provided and/or authorize said charge ; i believe that Synchrony as a fiduciary of a credit card account has a legal duty and obligation to go above and beyond to resolve this matter and not just carelessly continue to make payment demands and debt collection attempts on a charge that is in dispute and declared as fraud. 

[ Take Notice : upon request or should this proceed to litigation, i intend put this statement in affidavit form. ]