davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

FOLLOW UP/REINVESTIGATION. THESE NEGATIVE ACCOUNTS ARE DAMAGING MY CREDITWORTHINESS. 

On XX/XX/XXXX I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX - XXXX. XXXX ( XXXX California XXXX ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
On XX/XX/XXXX I wrote to you requesting an investigation into items that I believed were fraud, In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (FL)

I have paid off my auto account with Ally Auto since XXXX or XXXX of XXXXHowever late payment and account still reporting on my credit. When I reached out to Ally was advise that though account is paid off it will not be removed from credit reporting for another XXXX years therefore interfering with my rent score and ability to get approved for a place to live. 

The delinquent account that I have with XXXX XXXX and XXXX has been paid off since XX/XX/XXXX but still reflecting negative on my credit report making it hard for my rent score to increase and me be able to move into a home when I made contact with the debt collector I was advised that even though account is paid in full it will not fall off of credit reporting until XXXX
Consumer complaint received 2023-12-29
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. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.
Consumer complaint received 2024-05-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

For the last XXXX years I've been disputing this with XXXX, XXXX XXXX. about Capital one accounts, also once again under 605B it is illegal to report information on my credit report., without my permission
Consumer complaint received 2024-05-19
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: U.S. BANCORP (CA)

Late XX/XX/2024 USBank new credit card application submitted. I inquired as to cards not recieved from USBank but charges amounting to {$540.00} posted to account. USBank mailed cards on XX/XX/XXXX, XXXX Credit cards stolen in mail. Fraudulent charges {$540.00} made : XXXX {$160.00} XXXX  XXXX  XXXX  XXXX, CA ... XXXX {$44.00} XXXX XXXX and XXXX XXXX XXXX, CA ... XXXX {$37.00} HR XXXX XXXX XXXX CA ... XXXX {$82.00} XXXX XXXX XXXX CA ... XXXX {$85.00} XXXX  XXXX XXXX CA ... XXXX {$46.00} XXXX XXXX XXXX CA ... XXXX {$84.00} XXXX XXXX XXXX CA... Total  {$540.00} USBank re-issued cards and provided provisional credit. I reported fraud to USPostal Inspection Service and reported fraud to XXXX XXXX CA XXXX XXXX Department. 
Today XXXX USBank notified me that activity was made to create a online USBank banking account which prompted me to report the activity as fraud. USBank restored my information, cancelled my credit card and re-issued credit cards. I subsequently updated XXXX XXXX CA XXXX 's Dept with additional information provided by USBank ie ; phone number of thief. I then put a account freeze and made credit fraud notifications to the three credit bureaus XXXX, XXXX and XXXX. I was advised by the XXXX 's deputy to make this report.
Consumer complaint received 2024-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-05-19
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I have received XXXX different requests from BANK OF AMERICA saying that someone from Texas is trying to use my information to open a credit card account. I do not live in Texas, and have never visited there. I told them to cancel the card application. On the second call from BANK OF AMERICA, today, ( XX/XX/XXXX ) they provided the same information, and then supposedly connected me with " XXXX XXXX '' at your agency. I also told BANK OF AMERICA to cancel the second card application. I questioned the phone transfer to XXXX XXXX... and I still question it, which is why I am submitting this report. XXXX could quote which cards, and name which institutions I bank with in my credit report, so I am suspicious. 

Neither phone number that BANK OF AMERICA used to contact me appeared on my Caller ID with their identification, so that is also suspicious. 

I am a senior citizen, now home-bound, XXXX from birth who only collects Social Security . I rely on my credit cards to survive. The balances are high on all of them, but I have not missed payments on them in years. 

" XXXX XXXX '' who has a foreign accent claimed he could eliminate interest charges on several cards of mine. I told him I rely on the cards to survive, but I have not applied for any new cards recently, and I want my credit watched so no one can open new accounts in my name. I also said I want NO new credit cards, but I also do not want any of my existing accounts closed. 

He provided me with your agency 's phone number and his extension, saying he would phone me again on XX/XX/XXXX. 

I'm contacting you in this manner because I am skeptical of both contacts, " XXXX '' and BANK OF AMERICA, and want my existing credit and my name protected by the various government agencies that do this. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2023-05-09
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. (MI)

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 To Whom It May Concern : This letter is being written to dispute the account, which I have done several times. You have responded by stating that the creditor or collection agency verified the account. I have contacted the collection agency/creditor on several occasions as well, and they have yet to respond to my dispute, therefore, your company could not have reached them concerning this debt. Fair Credit Reporting Act requires that you respond to my dispute within 30 days as well as verify it's accuracy. If the account can not be verified, your company must delete the account from my credit report. If you can't show proof that you have verified this debt and you continue to list this item on my report, I am prepared to sue your company under the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DC)

This is XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2024-05-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (CA)

After noticing my debit card being declined at several different ATMs and trying to make purchases, i contacted CASH APP asking why this happening. 

Using their chat bot through the app. I got a vague answer with no explaination as to why they deactivated my card. Any thing that i may have done etc..to cause this. They said i can continue transferring money from within the app but that my purchases with the card will be declined. Final answer.
Consumer complaint received 2024-05-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (FL)

I made a purchase for {$110.00} on XX/XX/XXXX. I did not recognize the merchant on my bill and called Citibank to verify the merchant. I was told the charge was from the XXXX XXXX XXXX XXXX of Courts. I did not make a charge to the XXXX XXXX XXXX XXXX XXXX so I disputed the charge and the charge was credited to my account. After further investigation I determined that charge was actually to a wine merchant that I recallled making a purchase from. The original credit was made by Citibank on XX/XX/XXXX. The credit was reversed on XX/XX/XXXX after I notified Citibank that I acknowledged the charge and was dropping the dispute. The charge was reversed again on XX/XX/XXXX. I spoke with Citibank on multiple occasions about the double reverse charge and they acknowledged the double reverse and said my account would be credited. I spoke with XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. All representatives acknowledged the double reverse and said my account would be credited. The {$110.00}. To date my account has not been credited. This problem is purely the result of customer service at Citibank
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX  - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX  XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME INQUIRY - XX/XX/2022 - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX  - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX  XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME INQUIRY - XX/XX/2022 - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

INQUIRY - XX/XX/2022 - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 


XXXX XXXX, XXXX, and Equifax have violated my rights. 

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 or 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 data is inaccurate.
Consumer complaint received 2023-11-06
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. (NY)

n accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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
Consumer complaint received 2024-05-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION (VA)

On XX/XX/2024, I noticed an attempted & fraudulent withdrawal from my checking acct. at Truist bank. I called and was told that I had to go to the bank to close all XXXX of my accounts to assure no additional attempted fraudulent withdrawals. I did so. XXXX new accounts were established : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The funds for the first XXXX were successfully transitioned to the new accts. ( after XXXX days of waiting. The funds remaining in the original XXXX acct. and XXXX XXXX  acct. have NOT been transitioned to the new ones despite XXXX visits with bank manager, three phone calls to the bank manager and one e-mail to the bank manager. This XXXX I reached out to Truist 's Accounts Takeover dept. Their resolution was to kick this back to the bank manager and her regional manager. Something here is not right. I would appreciate any assistance which you can provide.
Consumer complaint received 2023-09-22
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. (NY)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-05-18
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC. (TN)

I found the copy of a check deposited in ALLY bank XX/XX/XXXX, then credited to my account either XXXX ACCT XXXX XX/XX/XXXX or ACCT XXXX but due to their massive and continual confusion, it's hard to say for sure where they put t. The money XX/XX/XXXX mysteriously disappeared. The company that wrote the check is XXXX XXXX XXXX XXXX and it was an escrow account. The check originally came from XXXX XXXX XXXX 
These both have solid PROOF that ALLY bank accepted check # XXXX. I mailed it and they accepted and deposited it to account # XXXX and routing # is XXXX. Attached see copy. 
I would like that money returned to me. That check is {$12000.00} will I be expecting that check along with the rest of my XXXX? I shall list them? See below. 
I have check stubs for the ones not listed below. XXXX XXXXXXXX XXXX  did an audit of ALLY XXXX  XXXX accounts and agree that they either neglected to send my money or robbed me. Instead of wasting XXXX YEAR to " investigate '' it took them XXXX HOUR. XXXX MISSING XXXXs XX/XX/XXXX yr ... ... XXXX ... ... .... {$5500.00} XXXX XXXX  ... ... ... XXXX ... ... .. {$3000.00} End of XXXX... XXXX ... ... .. {$5000.00} XXXX ... ... ... ... ... ... XXXX ... ... .. {$4000.00} XXXX ... ... ... ... ... ... XXXX ... ... .. {$4000.00} XXXX ... ... ... XXXX ... ... .. {$4000.00} XXXX ... ... ... ... ... ... XXXX ... ... XXXX XX/XX/XXXX XXXX XXXX ... ... ... ... ... ... ... .... {$12000.00} ________ TOTAL owed me ... ... ... ... ... {$38000.00} Please pay me the interest owed since XX/XX/XXXX. 
Or round it off to XXXX Either one.
Consumer complaint received 2024-05-09
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (NY)

I am writing to dispute the late payment entries on my SYNCB/Care Credit account, as reported on my credit report. The details of the account in question are as follows : Creditor : SYNCB/Care Credit Account Number : XXXX XXXX : Account Type : XXXX XXXX Account Status : Open Monthly Payment : {$72.00} Date Opened : XX/XX/XXXX Balance : {$900.00} High Credit : {$1000.00} Credit Limit XXXX {$720.00} Payment Status : Paid or paying as agreed Last Reported : XX/XX/XXXX XXXX : Account Type : Charge Card Account Status : XXXX XXXX XXXX XXXX  {$72.00} Date Opened : XX/XX/XXXX Balance : {$900.00} High Credit : {$1000.00} Credit Limit XXXX {$720.00} Payment Status : Current, was XXXX XXXX XXXX XXXX Last Reported : XX/XX/XXXX XXXX : Account Type : XXXX XXXX XXXX : Open XXXX Payment : {$72.00} Date Opened : XX/XX/XXXX Balance : {$900.00} High Credit : {$1000.00} Credit Limit XXXX {$720.00} Payment Status : Pays account as agreed Last Reported : XX/XX/XXXX I acknowledge that there were late payments on my SYNCB/Care Credit account in the past. However, I want to bring to your attention that I have since caught up on all payments and have not missed any payments thereafter. 

I take my financial responsibilities seriously, and I have made significant efforts to rectify any past delinquencies. I have established a consistent payment schedule and have been diligently making payments on time to maintain a positive credit history. 

Please investigate this dispute and provide me with written documentation of the results. I appreciate your attention to this request and look forward to a prompt resolution.
Consumer complaint received 2023-10-30
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. (MI)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 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 ( STATE OF MI CHILD SUPPORT ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2023-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My debit card and some of my credit cards got stolen, all charges on credit cards got taken care of however one charge on my debit bank of america said we or some who has acess to card made purchase and we are luable for it, there were 2 purchases smaller kne got blocked but bigger we t throught, we almost never make any purchases on the debit.