davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (PA)

This account was opened by my ex without my permission. It was never on my credit report. My ex spent a lot of money on it and I started paying it back and got behind on the payments. Syncrony added it to my credit report ( none of the positive history, only the negative ) and closed my account. I called them and have a representative on a recorded line tell me that if i start paying it back now, they will re open the account. I was paying for a few months ( end of XXXX  ) and then I called back another day and the representative said that this is not true " we never re open an account ''. Sometimes I call and they say they sent it to a collection agency and sometimes I call and they say they took it back so I can make a payment. I called today and she said that it was sent to collections again and she can not see how much or if any payment was made by me recently. This is not okay.
Consumer complaint received 2018-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

XXXX XXXX is reporting late payments for a credit card I am not responsible for which is significantly negatively impacting my credit score making it near impossible to purchase a home. I am listed as an authorized user on an account opened by my Mother during high school that is in a payment program with Citi Bank / Citi Card. I ( the authorized user ) have no responsibility for this account, have never had any communication with Citi Card about the account, nor have I signed any agreements with Citi Card for the account. 

Myself and the primary card hold have made several attempts to have my name removed from the card without success. We have made several calls over the last several weeks with no success, at one point spending 3.5 hours on the phone being transferred around the various XXXX XXXX XXXX with all being unable to assist in a fairly routine action. We have also been given different information on how to remedy the situation, receiving at least ( 4 ) different fax # 's to send the request for removal. 

At this point we have not contact with the department apparently authorized to complete the requested action and have not choice but to continue sending faxes and calling various divisions at Citi Card to hope for removal.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

Recently I Looked At Copy Of Credit Report And Noticed Several Inaccuracies On My Account. This Account Is Hurting My Ability To Obtain Credit. It Is My Understanding That You Will Investigate These Items For Me to Ensure Accuracy Here Is The Items I Am Asking To Verify As Accurate Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (NC)

On XX/XX/24 I began receiving texts about a Chime account. I do not have a Chime account, did not open one and am not familiar with who Chime is. One text message said the email address on " my account '' had been changed to XXXX. I then started receiving emails. I thought this was all spam. On XX/XX/24 I received an email saying a Chime Debit card was in the mail. I then called Chime to inquire if this was true. They verified with my phone number, email address, and date of birth that an account had been created. I refused to give my SSN. The woman I spoke to, XXXX, confirmed she had closed the account and flagged it as fraudulent. I am still submitting this complaint as their account opening controls need improvement. Account opening authorizations should require more due diligence. It should not be this easy to have a stranger open an account in my name and request a debit card be mailed to them. I also am concerned that the account is not really closed. This is sales practices misconduct, UDAAP impact, and customer harm. Reference number from account closure is XXXX. I can provide the email confirmation I received of the account closure if needed.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2024-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My credit score was reported differently to creditors when applying for new credit by the three major credit bureaus causing my denial in getting new credit. An egregious example of a long history of discrimination affects the data that the credit-scoring models use today. Today, FICO considers payment history, amount owed, length of credit history, new credit, and credit mix in its model. But that data is influenced by the generational wealth that many XXXX and XXXX borrowers did not have equal access to resulting in a low FICO score for the poor, low-income, and middle-class. 

XXXX service members were denied the benefits of the Servicemen 's Readjustment Act of 1944, more commonly known as the XXXX XXXX. The bill was designed to reward service members with benefits that would increase their social mobility. These benefits included higher education financing, as well as housing and unemployment benefits. However, eligible XXXX service members trying to cash in on the bill were either met with resistance or denied benefits altogether. 

So a white service member might have been able to buy an affordable home and pass that home down to their children, who could then benefit from the home equity and the positive financial gains of their ancestors ' ability to purchase a home through benefits like the XXXX XXXX. These are direct results of racial bias, which can undoubtedly alter the path of someone's financial life. 

The burden of poverty can trickle down to children who are at a disadvantage when it comes to being scored using today 's FICO scoring methods used by the three major credit bureaus. Data points like credit length and payment history might not be the same for XXXX consumers as it is for their white peers, given the enormous disparity in wealth-generating opportunities.
Consumer complaint received 2023-12-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: DriveTime (PA)

On XX/XX/2023, due to being ignorant of the law, I signed the Contract where I, XXXX : XXXX, financed a vehicle for personal, family, and household purposesunbeknownst to the deceitful practices occurring that I was getting myself into.

I have been made aware of the laws described herein my complaint and notice of rescission attached, bringing attention to the violations committed by DRIVETIME XXXX XXXX, XXXX ( DRIVETIME ) and XXXX XXXX XXXX ( XXXX ) to rescind only the illegal parts of this contract.
Consumer complaint received 2023-12-11
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: EQUIFAX, INC. (LA)

I am an authorized user for these accounts and I am asking to have accounts removed from credit reports. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

To whom it may concern : Please accept this letter as my formal written request for the following items on my credit report to be investigated. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof that I own this debt, you must remove the accounts listed below. 
I demand the following accounts to be verified or removed immediately :
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FactorTrust, Inc. (MI)

Regarding whom it may concern : The data listed below is what I saw on my credit report and has to be removed right away from your files. Additionally, as the data above shows, your agency is not providing correct information. When a consumer reporting agency creates a consumer report, it must adhere to reasonable processes to ensure the highest level of accuracy possible in the information about the individual to whom the report relates [ 15 USC 1681e ] ( b ).
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (IL)

My father passed away on XX/XX/XXXX. He had a bank account at Citibank with the XXXX, IL branch location. I reached out to them ( along with 3 other banks in the area ) to close his accounts and withdraw funds about a month after my dad passed away and once I received the death certificate from the county. 

I had to call Citibank 's XXXX branch location 8 times over 1 week in order to make an appointment. I did not walk-in because I knew many banks were not taking walk-ins during this pandemic. Each time I called I was told everyone was busy. I finally got to the national line and they made an appointment for me with Citibank XXXX branch on Tuesday, XX/XX/XXXX. 

When I went into the office, I was told they did not have a record of an appointment and to leave and make one over the phone. I insisted that I had booked an appointment and asked to see someone. They accommodated me and filled out a death certificate form and told me it would take 10 business days for their legal team and back office to close the account and withdraw the funds for me. 

As I mentioned earlier, I did this with 3 other banks - XXXX, XXXX  XXXX XXXX, and XXXX XXXX. Each of those banks were able to get me the money within 48 hours. I did not hear anything from Citibank for over 10 business days so I called them on Tuesday, XX/XX/XXXX, and was told the representative who helped me only worked on Thursdays and Fridays so I had to call back Thursday. I told them it was imperative we receive the money in order to pay bills and that I was willing to speak with anyone but they said it had to wait until Thursday. 

On Thursday, I called multiple times until finally getting through to the representative. They told me the back office hadn't closed the account yet. I asked why there was a hold-up and how we could fix it assuming that there was an unpaid fee or something associated with the account. They said there were no problems and they would close it. I told them to please close it ASAP because we need money that we own to pay our bills. On Friday, I called again and they still hadn't closed it. I reiterated the urgency of this request and that it had been far longer than the 10 business days I was told and that every other bank did this within 48 hours. They told me to call back Monday, XX/XX/XXXX. 

I called again on Monday, XX/XX/XXXX and have not been able to get through to anyone. It is now almost a month since I tried to close an account I rightfully own and withdraw {$15000.00} of funds in order to pay our bills and Citibank has not given it to us nor explained why.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I bought an XXXX through XXXX with the XXXX  XXXX payment plan in XXXX of XXXX. XXXX XXXX provides no billing invoices, contacts folks or anything. In XXXX of XXXX I was finally contacted by XXXX and informed that my payment plan was 4 months late ( i.e. they had issues processing the credit card ). I explained there was a change of credit card information during COVID and XXXX told me they understood and this would not be reported to the credit bureaus in any case. I paid the entire balance of the loan immediately. Magically in XXXX, XXXX XXXX reported this loan to the credit bureaus and has since continually decided to make reports monthly not only indicating I had 4 late payments ( seriously affecting my credit score ) but also indicating the account is still open. When I've tried to talk to XXXX, they assure me there is no balance and that the account is closed. If the account is closed, why are you reporting it as open etc. to the credit bureaus? I have over a year and a half of credit bureau reporting at this time for an account that has no monthly payment. This is not a revolving loan. There is no line of credit. This was a payment plan for an XXXX. Affirm and anyone else, report the loan when paid off ( sometimes ) and indicate it is closed. I've disputed the information through XXXX, Transunion etc. and all they simply say is the information reported is accurate. Why would it be accurate that a payment plan that's been paid off with 0 balance is still open? What is the point of this? It is ruining my credit score and there's zero accountability here. I'm stuck with delinquent reporting for an account that is still reporting as live over XXXX a month " missed '' payments. Amazing. As seen in the files, it indicates there is an available balance of {$2500.00} of {$2500.00}. Yet, no mechanism, to borrow such money, or withdraw such money. Why would there be an available balance on an installment plan that's been paid off with a term of " 0 ''. What a mess.
Consumer complaint received 2023-12-17
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SYNCHRONY FINANCIAL (CA)

I have been trying to fix my credit for years. I have paid lots of money to credit repair agencies and my credit is still an issue. As a regular consumer who doesnt understand how to fix my creditit becomes very overwhelming! I am trying to buy a house a call and even opening a simple checking account has become difficult. Due to circumstances I no longer have dates, amounts etc. I do know there are charge offs with balances and debt that has been on my credit report longer then XXXX yrs that continues to be sold to third party companies. Please help me gain my creditworthiness back.
Consumer complaint received 2023-12-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB, Inc. (VA)

USCB AMERICA is fraudulently reporting a medical debt that they allege belongs to me but has failed to verify. I have requested proof of the records and have not been supplied any evidence that I in fact owe this debt to them. Furthermore I have never granted USCB access to any of my personal information much less permission to access any of my medical information which violates my right to privacy, XXXX and my states medical privacy rules. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) pertains to unsecured XXXX identifiable health information of an individual in a personal health record and the acquisition of that information without direct consent from the individual. I have given no such authorizations therefore there is definitely a Breach of Security if your company has any of my personal and or medical information. Your actions violate the XXXX XXXX XXXX XXXX  XXXX XXXX, FCRA and XXXX. 

I AM DEMANDING COPIES OF : XXXX authorization bearing my signature Copies of any agreements associated with this account Copies of bills associated with this account This is my formal dispute as well as Cease and Desist Demand to cease all collections activity. Compliance is required and I reserve the right to file charges and additional complaints with the XXXX as well as any county, state or federal authorities that govern your activities.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2023-12-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (PA)

I am XXXX XXXX, and Im submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. I never had a contractual relationship with CAINE WEINER company I believe the original creditor XXXX  sold my account without proper notification. This is clearly violation according to FCRA 611 on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2023-07-11
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: EQUIFAX, INC. (PA)

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 XXXX XXXX XXXX. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXXXXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX  XXXX : XXXX, XXXX  XXXX : XXXX, XXXX : XXXX, XXXX XXXX  : XXXX. However, they 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 1681 ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

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 an 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.

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case.
Consumer complaint received 2023-12-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

Around XX/XX/23, I opened a Citi Accelerated Savings account and completed an ACH transfer from my XXXX checking account in the account of {$14000.00}. The funds were posted as a Withdraw from my XXXX account. Last week, I had an opportunity to obtain a higher return on investment on my money and attempted to transfer the funds back to my XXXX account, the Citi portal indicated that the transfer is blocked for a MFA review and to call XXXX. They mentioned the transaction is being reviewed and take 24 hours. I called XXXX on XX/XX/23 to check on the status as I still can't transfer the funds and they instructed me to call back on Monday XX/XX/23. As of XXXX XX/XX/23, not only are the funds not being able to be transferred but Citi has made my accounts inactive. THEY HAVE {$14000.00} on my hard-earned money and won't release it!!!! Please Help!!!!!
Consumer complaint received 2023-12-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO. (FL)

I am victim of identity theft, my information was compromised I turned in many police reports to the branches. I recently had an appointment and a branch employer informed me that my account has been reopened and that my new chase card will come in within XXXX days. After the appointment, the very next day I received a letter and it states that my account has been restricted again and may be closed again.
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXX Balance : {$40000.00}.