davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-12
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)

To whom it may concern, Im reaching out because, The Fair Credit Reporting Act 15 US Code 1681 section 602 a states, There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers rights to privacy. Equifax, and XXXX are consumer reporting agencies, and I am the consumer. I exercise my right to make certain that my private information isnt shared which is backed by 15 US Code 6801 which states, It is the policy of 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 those customers nonpublic information. 15 US Code 1681 ( e ) reads, 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 1681 ( b ) of this title. Under 15 US Code 1681 ( 2 ) ( A ) ( i ) Exclusions : Reports containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal. In addition to that, 15 US Code 1681 ( a ) ( 5 ) says, except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information ; Any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. This account is an adverse item they are reporting again without my permission which is against the law. * XXXX XXXX XXXX is a financial institution by definition under 15 US Code 6801. 15 US Code 1681 section 604 ( a ) section 2, says, in general, subject to subsection 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 XXXX XXXX XXXX, the financial institution does not have my consent to furnish this information and does not have my written consent. All consent to Equifax, XXXX, XXXX XXXX XXXX whether it be verbal, non verbal, written, implied, or otherwise is revoked. Under 15 US Code 6802 ( B ) and ( C ) states a financial institution may not disclose nonpublic personal information to a non-affiliated third party unless - the consumer is given an explanation of how the consumer can exercise that non-disclosure option. XXXX XXXX XXXX never informed me of my right to exercise my non-disclosure. Equifax and XXXX are not maintaining reasonable procedures. 12 CFR 1016.7 states, A consumer May exercise the right to opt out at any time. I am opting out of your reporting services as of now.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I submitted a dispute to Equifax and it has been 30 days. The information is still on my credit report and is still incomplete and inaccurate. FCRA says 30 days or delete the information. 15 USC 1681i ( 5 ) ( A ) ( i ). Equifax is liable under 15 USC 1681n ( a ) ( 1 ) ( a ) for {$1000.00} per violation of the FCRA.
Consumer complaint received 2023-06-09
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (GA)

WESTLAKE PORTFOLIO MANAGEMENT IS ILLEGALLY ATTEMPTING TO COLLECT DEBT WITHOUT A LICENSE TO COLLECT IN THE STATE OF GEORGIA. 

WESTLAKE PORTFOLIO MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2024 Account : XXXX This letter is to formally request that you cease and desist from reporting false late payment information to credit bureaus and other reporting agencies. It has come to my attention that you have inaccurately marked my account as being late on payments, which has had a negative impact on our credit score. 
I demand removal of this late payment. I demand you to furnish evidence that your reporting mechanism is not defaulted or there is no default in your reporting mechanism. It is an unfair act for late payments to be reported. It is a violation of the law, invasion of privacy, Pursuant to 16 CFR 444.4 It is an Unfair act of practice. 
Pursuant to FDCPA Late payments must be verified/ validated prior to them being placed on a consumers report. Please furnish evidence and proof not statements on how you verified the late debt. Statements are hearsay in the court of law. 
Who did you speak to? 
License number? 

Systems have outages all of the time. Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the reporting mechanism. It is alleged until it can be proven. With no supporting evidence it must come off the report. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) We trust that you will rectify this mistake promptly and ensure that our credit report reflects accurate and up-to-date information moving forward. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

This is my notice of dispute to the credit bureaus equifax, XXXX XXXX XXXX  Neither three Cras have given me notice of my dispute recorded in XXXX XXXX 15 USC 1681i : Procedure in case of disputed accuracy Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer. 

Which was not done at all this illegal treatment by CRAs wont go unnoticed I am Disputing the following XXXX XXXX account which reporting as a open account when it has been charged off this account needs to be removed for illegally reporting and information disclosed is not public information as I have opted out of 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to me opting out of my information being disclosed Also XXXX XXXXXXXX XXXX Equifax deleted XXXX XXXX XXXX needs to provide proof of full debt validation no just statement if not proven then remove account I want all accounts deleted or I will be reporting CRAs with the Secretary of State for not giving me a notice of dispute
Consumer complaint received 2024-04-12
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: EQUIFAX, INC. (NY)

There are some unauthorized inquiries on my credit report that I did not approve of from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IN)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2023-12-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX XXXX XXXX XXXX XXXX  I went to Bank of America in person to deposit a check. I was told by the clerk that partial of my deposit would be available to use on XX/XX/. The rest of my deposit would be available XX/XX/. Now I get a email saying that all of it will not be available until the XXXX, then I get another email saying that none of my deposit will be available until XX/XX/, why am I giving dates that say one thing and then told another? Tell me a whole different thing. I don't think that's right.
Consumer complaint received 2024-02-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

In XXXX of XXXX  on a Saturday my daughter was fraudulently offered a deposit that she could use if it was successful in reaching her account. She spoke with USAA and two separate reps talked her through the details. The funds were released because of strong history and she send {$600.00} to the scammer. 

That Monday I called the bank, notified them if the fraud, and disputed the {$600.00} XXXX transaction off the {$1500.00} deposit. USAA rejected the deposit, provisional credit was given on the disputed transaction, and I thought finalized. 

I just received documents that USAA fraud team is now saying the {$600.00} transaction was not fraud and we are liable. That cant even make sense when the entire transaction was fraud. 

A police report was filed. Ive begged to speak with the fraud team, which is impossible. I worked in banking for 18 years. I know this entire transaction is fraud. Im desperate to get this resolved correctly. 

USAA is holding a victim accountable as if we are the criminals. Im so hoping CFPB can help.
Consumer complaint received 2023-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IN)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN EXPRESS COMPANY (NJ)

Applied for an Amex business line of credit. They asked for license copy and utility bills to get approved. I advised them that I don't have personal utility bills, utility bills in my wife 's name. Also asked why the need my personal utility bills for a business account. Also asked why needed any of this information since a have been a 5-years customer with no lates a platinum card holder. Did not reply. Replied don't need any further information it is fine would remove request from my account immediately. 

Processing of application done on XX/XX/24 they denied on XX/XX/24 for lack of documents utility bills.
Consumer complaint received 2024-02-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A. (AL)

My wife and I were scammed in a fake jury summons no show phone call. She sent {$500.00} via XXXX, and I sent {$470.00} from PNC to XXXX because of the threat of imprisonment.
Consumer complaint received 2024-02-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/XXXX, after I changed the personal information on a vehicle that was financed through Chase, I was informed via email that same day about the cashback request. I then called Chase and informed them that I did not have an account opened with them. I was then informed that I had a business account opened in my name on XX/XX/XXXX, and they also informed me that there were XXXX employees listed under that account. After filing a police report and downloading the statements, I informed the representative that I did not open any credit card and it was fraudulent and stolen identity used to open that account. This account was opened by a criminal who used my personal information and his business XXXX to secure a business credit card without my authorization or knowledge.
Consumer complaint received 2024-02-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: OPTUM BANK, INC. (MD)

The Optum Bank web access system displays " Secured for Patient 's Privacy '' in the description field for many transactions even though the user/subscriber is the person who originally entered the descriptions into the system. This makes no sense at all and makes it difficult to reconcile reimbursement requests with payments. 

See attached screenshot for an example.
Consumer complaint received 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION (NC)

PLEASE REFER TO ORIGINAL CLAIM # XXXX : Update to the original claim. 

I spoke with a fraud representative in the month of XX/XX/XXXX who connected with both her immediate supervisor and the security department to attempt to resolve the issue of reactivating my card for use and having the fraud claim reevaluated. When the rep spoke with the various department supervisors she advised that security has informed her that the claim could not be approved because the charges made was beyond the 60 days XXXX would accept to fraudulent claims. In the same conversation, she did also mention that both her supervisor and security department agreed to have my credit card reactivated for use and I could pay down the balance. I agreed to this term. She then stated that she would make very detailed notes on my account and all I needed to do was speak with XXXX XXXX to have a new card opened. 
The fraud department issued a credit of $ XXXX for the fraudulent charges they could process. 
On XX/XX/XXXX I spoke to a representative in card services who then advised that it was nothing that her department could do after the card had been closed. She shared to not reapply for another card but have the credit committee evaluate the entire situation and get the card reopened. 
I have made numerous of attempts to get this matter resolved. This situation and fraudulent activities has destroyed my credit and relationship with Navy FCU. I have provided Navy FCU with all the evidence to show merit that it was impossible for me to use my credit card while I was XXXX 
Where we stand now is Navy Federal Credit Union ( to my belief ) is racially profiling me and my situation. All other loans with this creditor I have paid on time with no issues. I was told a new card would be mailed, my account would be reactivated and in use. But as of today, I have not received a new card, the $ XXXX credit that was given has been reversed and every time I ask to speak with someone in leadership ( executive team ) I am either ignored or advised " someone will call me back ''. It is very disappointing to know that my banking relationship with NFCU is being tarnished because I am a minority. I am disappointed!
Consumer complaint received 2024-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (NJ)

I put in a claim to dispute a charge that I did not make. it said it would take up to XXXX to XXXX business days to dispute it. It only took a XXXX XXXX, and I was declined for my dispute. They didnt give any information on why it was declined. So I called customer service and they still didnt give me no information on why my dispute was declined. I know I did not make that charge and Ill need some answers..
Consumer complaint received 2024-02-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (PA)

XX/XX/XXXX recieved card for bank account I did open when I reached out they said they were going to looking into fraud. Heard nothing back and in XX/XX/XXXX still nothing when I reached out again they were no help. The account was opened in my maiden name that I have not used since XXXX. XXXX XXXX
Consumer complaint received 2024-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

I used the ATM machine at Citizens Bank, on XX/XX/2023, The branch is located.at XXXX XXXX XXXX, XXXX, RI. I tried depositing {$4800.00}. The machine kept returning the money back, but I kept trying to complete the deposit, until I finally finished the deposit. I waited until next day to check on the account, and it was {$1300.00} short. I spoke person to person with the branch manager, XXXX XXXX, and he said it will be taken care of, and that there was an ATM malfunction and there was a lot of people affected. So, I went home and a few days later, I returned to the branch but this time I spoke with an assistant manager named XXXX, do not know her last name. She agreed with me that it was a bank error and apologized to me and told me that it takes 24 to 48 hours to return the money to the account. So, I left, and went back to the branch and spoke with a different assistant manager. This time the assistant said that it takes 45 to 90 days to solve the problem. So, I decided to get help since one manager said one thing and the other said something different. About a week later I received a letter stating that the there was no machine malfunction, and therefore, they will not return the funds to my account. Please investigate this, since there were a lot of people complaining like me and they probably got the same response from the bank.
Consumer complaint received 2024-01-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (AL)

One Debt is XXXX for over {$800.00} said to originate in XXXX I think- I have not had XXXX as a phone service sense early XXXX  Do not know what this is and they will only tell me it is for XXXX phone service, I am not to pay for something that is not mine. I have asked all credit agencies to remove, have filed dispute after dispute and they will not remove from my credit! 
Second is a debt with Synchrony Bank for around {$200.00} - {$250.00}. I had to ask credit agency to spell the bank name as I have never had any dealings with said bank. I do not know when this happened - found out about and again did dispute after dispute and the credit agency will not remove. 
I pay my debts! I should not have to pay a debt that is not mine!!! I should not have to have my credit score low because these agencies will not remove a debt that is not mine!!! 
Today the rep with XXXX said that they will not remove because I did not file police report or file report to you FTC.gov. I did not even know how to reach out to you before today. 
Please help me. I have been trying to rebuild credit from a Bankruptcy over 25 years ago and these two things are keeping my score from going up!!! I should not have to pay for this in any way shape or form! 
Thank you in advance for any help you can give to me. XXXX XXXX
Consumer complaint received 2024-01-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TX)

I have repeatedly emailed Mohela requesting refund of my payment ( made on time on XX/XX/XXXX ). Mohela has not answered emails sent on XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX or the one sent today. I filed a complaint with studentaid.gov and it has not been responded to, either. 

They would not miss charging me interest or hitting me with a late penalty if I were late, but they will not return my payment, and I would bet they don't pay me interest for holding my money!
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX said they had no knowledge of an account in my name that was delinquent. I asked him to please let the Credit bills know and they said that thats not their responsibility to do that. I spoke to the credit card companies and they still havent rectified the situation the address of the company XXXX XXXX XXXX, XXXX XXXX XXXX, UT, ZIP Code is XXXX. Please remove the following account from all credit barrels. Thank you.
Consumer complaint received 2023-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (CA)

I have been disputing an account with XXXXXXXX XXXX/resurgent for almost 4 years now. 
They are reporting a past due amount on a closed accounting {$1300.00}. 
There are three different dates of last activity.

And I also have a paid in full statement.