davidheineman/consumer-finance-complaints-large huggingface dataset:
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: SYNCHRONY FINANCIAL (NY)

These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, XXXX, and XXXX who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached ( XXXX  ) ( XXXX  ) ( XXXX  ) ( XXXX  ) ( XXXX  ) ( XXXX ) ( XXXX  ) This is making me lose confidence in the banking system due to these violations. I the consumer does not grant XXXX, XXXX, or XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act convergent XXXX, XXXX, and XXXX has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
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: EQUIFAX, INC. (KY)

To Whom it May Concern I told Equifax this inquiry XXXX XXXX XXXX XXXX dated on XX/XX/XXXX were fraudulent and to continue to report is a violation on consumer report. 
I sent them a FTC Fraud Report but they ignored consumer. Equifax refused to remove inaccurate and fraudulent information from consumer report. They continue to violate a Federally Protected Consumer. They violated the Privacy Act of 1974. A written permissible purposes was never given to this company on XX/XX/XXXX which is a another Federally Protected Consumer Rights violations. They failed to conduct a investigation on consumer report which is Federally Protected Consumer Rights violations. They failed to delete inaccurate and fraudulent inquiry which is another Federally Protected Consumer Rights violations. 
I was a victim of the Equifax Data Breach. I use all remedy such as Civil liability willful non-compliance 615 and civil liability negligent non-compliance 616. CFPB when are you going to hold them accountable for continuing to break the Federal Law. Equifax do not comply with the Consumer Fair Protection Act, instead Equifax continued to blaluant violate the consumer. 
Equifax commission file number XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, New York XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX NY XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX will be filing form 211 treasury omb form to audit consumer account. Equifax is securitizing consumer data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and delete it immediately in my report : XXXX XXXX XXXX XXXX Open Date XX/XX/2017 Balance : {$0.00}
Consumer complaint received 2023-12-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (TX)

I recently applied for American Express Platinium Credit Card with my U.S Social Security number on XX/XX/XXXXXXXX  but was denied. As you may know, this denial goes against the Equal Credit Opportunity Act. According to federal law 15 U.S Code 1691c and 15 U.S Code 1691k, American Express violates my consumer rights, specified under 15 U.S Code 1642, 15 U.S Code 1681m, and 12 CFR 1002. I urge American Express to rectify this situation promptly and compensate me for using my securities to avoid potential securities fraud allegations, as I have not received any benefit from this transaction. Also, I've thoroughly reviewed the terms and conditions, confirming eligibility criteria for the credit card, such as being 18 or older, having a US address, and having a valid social security number. Despite providing all the required information, my application was denied. It appears that American Express operates deceptively. I contacted American Express three separate times, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXXXXX  seeking clarification on the denial but I was informed there's no direct communication with decision-makers. I intend to Hold American Express accountable under 15 U.S Code 57a for Unfair or Deceptive acts or practices if they choose not to rectify these issues which are based on Facts and Facts alone. I am well aware of how to manage my securities and properly discharge debts.
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: Resurgent Capital Services L.P. (IL)

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorizations that I the consumer may have given you, written, unwritten, verbal and nonverbal per 15 USC 6802.
Consumer complaint received 2017-04-03
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (CA)

In early XX/XX/2017, my Sam 's Club MasterCard was compromised. There was an unauthorized charge for the amount of {$96.00}. Synchrony Bank ( who services my Sams Club MasterCard ) failed to catch the fraudulent charge at the time but I alerted synchrony bank of it when my billing statement came. They assured me it would be investigated and I would hear back within 30 days. Some time later they sent me a letter stating the charges were valid. I called back in to assure them it was fraudulent. The case was reopened. I received another letter ambiguously stating the case was resolved. After playing phone tag with multiple representatives and supervisors, no one could give me an answer to the fraud investigation outcome as the letter was unclear. During this time synchrony refuses to credit the amount of {$96.00} in fraud charges so it continues to accrue interest. I was advise to not pay this charge and everything, including the accrued interest, would be credited once the investigation concludes. This seems counter to how every other bank I 've dealt with conducts business when it comes to fraudulent charges in dispute. 

After many hours on the phone spread across many days, I was finally able to get a hold of someone on the phone who told me the reason the original complaint did not go in my favor was because it was filed as a dispute, not a fraud charge. Now I would have to wait again while synchrony refiles and conduct the investigation again. This is beyond incompetent.
Consumer complaint received 2024-07-02
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. (NY)

My cash tag is XXXX XXXXXXXX So I deleted my debit card on cash app and someone sent me {$120.00} and then my account got closed so I tried to withdraw the money and it said that I couldn't add any new cards and then Cash out wrote me and said that I would have to use the same card ending in XXXX that I just deleted the problem with that is is that I lost that card so I have a new car with a new number but they're saying that I can't add any new cards Now the problem is they won't give me any options to get my money they are making it impossible for me to get my money
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: Experian Information Solutions Inc. (NC)

I noticed unauthorized inquiries on my report and noticed someone applied for something in my name. I want to make you aware that according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed.
Consumer complaint received 2023-07-25
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: Experian Information Solutions Inc. (FL)

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 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 2023-11-13
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. (CA)

I printed my Transunion report and noticed unauthorized/fraudulent inquiries on my credit report. I called Transunion to report this fraudulent activity on my report and I was told to mail an FTC report along with other documents. The FTC report and documents were sent via certified mail with a copy of my ID, social security card and utility bill and Identity theft report requesting these inquiries to be removed from my credit report. 

when calling Transunion to follow up on my dispute/case, I was transferred to a Supervisor by the of name XXXX, XXXX told me and I quote " We Transunion don't dispute anything on the consumer credit report and there is nothing to do '' you have to dispute with the bank '' even after me telling him that the bank told me that they didn't have any information and to call transunion because they start a dispute contact the bank and the bank will tell to delete. I have RECORD of the Conversation. 

by Transunion denying my right to dispute by saying they don't dispute, This violates my rights to privacy under FCRA. Section 604 [ 15 U.S.C. 1681b ] - Permissible purposes of consumer reports. ( C ) Furnishing reports in connection with credit or insurance transactions that are not initiated by the consumer. ( 3 ) Information regarding inquiries. Except as provided in section 609 ( a ) ( 5 ) [ 1681g ], a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

attached is the return reciept from USPS, my documents were recieved by XXXX XXXX from Transunion- the fraudulent inquiries are XXXX XXXX XXXX ON XX/XX/2023 AND XXXX XXXX ON XX/XX/2023 - FTC Report # XXXX
Consumer complaint received 2018-08-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP (MO)

I was contacted with a voicemail informing me that I was going to be served papers between 3 and 5 the next day, that I needed to have photo ID and my supervisor would need to be present. This call came from a private number and a caller identifying herself as XXXX XXXX ( I have the voicemail recorded ). 

She gave me the number of XXXX XXXX, at XXXX. I contacted him and was told they were trying to collect a debt from 2007 ( 11 years ago ) from USBank.  Unfortunately, I fell for the tactic, gave my debit card and they immediately charged {$650.00}, and had a payment plan for 13 charges of {$120.00} for a total of {$2300.00}. 

During the call, I asked if I could speak to counsel and call them back. XXXX indicated that I had signed a contract with USBank that I had a single attempt at resolution. If I disconnected the call, they would send my information " back to the county '' and heavily implied that I would be asked to appear in court before a judge, and that the client would seek triple the amount ( {$6900.00} ). 

I have a copy of the PDF they sent acknowledging my payment plan, coming from an email address XXXX. 

I made a second call to XXXX, and indicated that I suspected they were guilty of fraudulent activity. This prompted XXXX to put on his " Director of Operations ''  whose name I can not recall. This resulted in him vaguely insulting me, asking personal questions about my work and whether I created websites for scam companies. He also claimed I sounded just like the " IT guy [ he ] just fired. '' Eventually, I terminated the call after he said he would reverse the charges, and send my information " back to the county '' (  when I asked he said XXXX, and when I said the neither the account I had with USBank nor USBank reside in XXXX county, he said he could send it to any county ) and that I could continue my case before a judge, being very careful this time not to imply that it would be someone suing me, which had been the case before. 

I have attached the voicemail and PDF
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

There are late payments on this account ( XXXX XXXX  XXXX  XXXX XXXX ) which is hurting my credit report badly. I was never late in making payments. Please correct and update the inaccurate information on my credit report. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2017-03-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: National Credit Systems,Inc. (GA)

XXXX has wrongfully placed an account in collections. XXXX has indicated that I owed {$1700.00} for water bills at XXXX. This is absolutely false. All of the bills were in good standing upon leaving. This company bulldogged and bullied me into leaving the property. They initiated an eviction on me when all of the rents were paid on time. Elite home management has placed this account in collection with National Credit Systems. I would like this account removed from collections immediately. Attached is full documentation that this account was paid in full. Additionally, XXXX kept my deposit. I would like to request my deposit be returned as I left the property in good standing and was NEVER late paying monthly rent. Please see all attached documentation. Furthermore, the claim that XXXX is stating I owe monies for a water bill is false. The amount started in XXXX of 2012. The account was never placed in my name and started with a balance of over {$700.00}! XXXX presented false documents to the court in order to have me evicted from the property. I 'm requesting that this is immediately removed from my credit report and handled outside of a credit reporting agency as these claims are false!
Consumer complaint received 2022-02-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

Bank of America despite public records of federal lawsuits of practices of reordering transactions to accumulate overdraft fees continues with this illegal practice in 2022. My business account has been effected as of XXXX with an illegal reordering of transactions to create multiple overdraft fees. I have documented the matter and reported it to the bank that I intended to file a complaint of the behavior to the CFPB. My business is being heavily effected by Covid related issues and the bank is taking advantage of the fact the pandemic and failing to provide appropriate relief for affected businesses which I informed the bank of several occasions with no relief. In fact the bank reordering of transactions is an illegal practice, I verified with the merchants that the transactions clear their system within a 24 hour period to the bank. Therefore, Bank of America systems are again designed to create a system of overdraft fees still. I am uploading the documentation as proof and in the event there is a lawsuit in the future brought against Bank of America I want to be compensated for the damages done.
Consumer complaint received 2023-12-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FORD MOTOR CREDIT CO. (CA)

This is to express my extreme frustration and indignation at the persistent and utterly unacceptable inaccuracies in the reporting of my credit history. It has come to my attention that your bureau is erroneously reporting late payments on my account, despite the fact that all payments were made in a timely manner. 
Account Information XXXX XXXX XXXX XXXX XXXX  - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I am astounded and infuriated by your blatant failure to accurately reflect my credit history. The late payment information reported by your bureau is unequivocally false and damaging to my financial standing. 
Cease the erroneous reporting of late payments on my account. The payments were made on time, and there is no justification for tarnishing my credit history with such inaccuracies. The negligent reporting of late payments on my account is not only damaging to my creditworthiness but also a direct violation of the Fair Credit Reporting Act ( FCRA ). I am appalled at the lack of attention to detail and accuracy demonstrated by your agency.
Consumer complaint received 2017-03-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I joined the United States XXXX in XX/XX/XXXX and was stationed in XXXX, Washington. I am from XXXX, Georgia. I XXXX to XXXX XX/XX/XXXX and did not return until XX/XX/XXXX. I was told this XXXX tax lien should not be on my credit report and it was wrongfully filed on my XXXX and Transunion credit reports. Please help me take both of these tax liens off my credit reports. I am trying to buy a house and every company is telling me they can not extend credit because of the tax lien.
Consumer complaint received 2017-02-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (TX)

I was a customer of XXXX. After XXXX bought XXXX my bill started going up on XX/XX/XXXX. I called XXXX several time to complain about my bill. They failed to do anything about it. I was under a contract till XX/XX/XXXX so I did n't want to cancel. In XX/XX/XXXX, I called XXXX to return XXXX of the XXXX receivers I had, so I could save money. The next month I received a bill of {$810.00}. I called XXXX immediately. I was told that the previous representative cancelled and restored my service and the account would be credited back for the early termination and prorated charges. The next month came and I did n't see any credit. I called XXXX they said it can take 2-3 months for the credit to show. In the meantime, I was getting late charges for the balance they caused and I had promotional offers that were removed for my account that I was supposed to have till the contract ended on XX/XX/XXXX. I wrote to the corporate office. When they finally wrote me back they promised me they will credit me for there mistakes and inconvenience. On XX/XX/XXXX I still did n't get all the credits I was promised so I cancelled since my contract was over. In XX/XX/XXXX I was checking my credit report and saw a {$300.00} collection from XXXX and past due history for 30, 60, 90 and 120 days. I have several emails from the corporate office of XXXX I can forward to whoever will be handling my complaint.
Consumer complaint received 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (NC)

The school cited multiple reasons for closing, includingincluding declining numbers of XXXX students nationwide and a growing negative characterization of for-profit education. 
received notification on Wednesday evening, XX/XX/2016, that XXXX XXXX XXXX was permanently closing its doors at all 79 campuses.

4 loans were taken out from XXXX and they are now called XXXX XXXX and U.S. department of Education. 
Contacted all 3 services providers and department about the matter also contacted all XXXX credit bureau 's and this matter. 
Nothing has been resolved as far as to removing this account.
Consumer complaint received 2023-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

On XX/XX/, USAA withdrew {$330.00} from my checking account without authorization and with no notice provided to me until the next day. They claim the payment was arranged through their app, however, I was given three different times and dates that this was supposedly done. I have advised them several times that the information they are claiming is not at all true and no bill payment was authorized for this. Nobody has access to my account or banking information except for me and them and I did not authorize this payment! This was done fraudulently! They did not have my permission to withdraw funds from my account.
Consumer complaint received 2023-12-15
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. (CA)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.