davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (LA)

XXXX XXXX XXXX XXXX XXXX my daughter answered a phishing call which resulted in our phone lines being cut off. New phone number issued by the phone company ( XXXX ) I checked with XXXX concerning a fraudulent card opened and contacted the card company - Citicard/Citibank of the fraudulent use of my name and social security to open a credit card with my name. Because the fraudulent person used the stolen phone number, I had to go through a process to verify my identity with Citicard. By the time I verified my identity, the charges were made on my citicard of XXXX I cancelled the card finally once my identity was securely identified and began the process of disputing the charges. 
XX/XX/XXXX, I was notified Citicard/Citibank is expecting payment for the charges made by the fraudulent person identified at XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX and by the email address of XXXXXXXX XXXX XXXXXXXX. I called XXXX and was told that the charges were fraudulently placed and it was not my responsibility. They gave me a reference # XXXX. 
I called XXXX and was told Citicard/Citibank finds me liable for the charges and that they have yet to close it out. I was given a website to upload any new evidence into XXXX XXXX I tried to upload the police report but the link didn't work. I mailed a copy receipt return to XXXX XXXX XXXX : Customer Care XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX I called XXXX police to obtain a police report. I received a complaint number as XXXX.
Consumer complaint received 2023-10-09
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 Company report to dispute : XXXX XXXX Re : Dispute of Account Reporting Violations - Account Number : XXXX To Whom It May Concern, I am writing to dispute the information reported on my credit report regarding the account with account number XXXX. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), it is explicitly stated that a consumer reporting agency can not furnish an account without my written instruction.

Furthermore, I would like to bring to your attention the violation of 15 U.S.C. 1666b, which prohibits a creditor from treating a payment on a credit card account under an open-end consumer credit plan as late for any purpose without a valid reason. 

It has come to my attention that Equifax has reported inaccurate information regarding the account in question, which has had a detrimental impact on my credit score and financial well-being. I have not provided written authorization for this account to be reported, and there is no valid reason for the late payment designation. 

I kindly request that you investigate this matter promptly and correct the inaccuracies in my credit report by removing the account XXXX Please provide written confirmation of this dispute resolution, and ensure that any future reporting complies with federal regulations. 

Failure to rectify this situation may result in legal action to protect my rights under the FCRA. I trust that Equifax will address this matter promptly and efficiently, adhering to the legal requirements outlined in the FCRA. 

I appreciate your prompt attention to this matter and look forward to the swift resolution of this dispute. Please feel free to contact me at Phone Number XXXX or XXXX if you require any further information or clarification. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-05
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

On XX/XX/2023 I sent a Debt Validation request to Capital One Auto Finance along with a cease and desist via certified US Postal Mail. After speaking with a representative, they requested that I remove the cease and desist for the phone call. This Debt Validation request was not answered still as of today to prove the validity of my debt.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 Company report to dispute : XXXX XXXX Re : Dispute of Account Reporting Violations - Account Number : XXXX To Whom It May Concern, I am writing to dispute the information reported on my credit report regarding the account with account number XXXX. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), it is explicitly stated that a consumer reporting agency can not furnish an account without my written instruction.

Furthermore, I would like to bring to your attention the violation of 15 U.S.C. 1666b, which prohibits a creditor from treating a payment on a credit card account under an open-end consumer credit plan as late for any purpose without a valid reason. 

It has come to my attention that XXXX has reported inaccurate information regarding the account in question, which has had a detrimental impact on my credit score and financial well-being. I have not provided written authorization for this account to be reported, and there is no valid reason for the late payment designation. 

I kindly request that you investigate this matter promptly and correct the inaccuracies in my credit report by removing the account XXXX Please provide written confirmation of this dispute resolution, and ensure that any future reporting complies with federal regulations. 

Failure to rectify this situation may result in legal action to protect my rights under the FCRA. I trust that XXXX will address this matter promptly and efficiently, adhering to the legal requirements outlined in the FCRA. 

I appreciate your prompt attention to this matter and look forward to the swift resolution of this dispute. Please feel free to contact me at Phone Number XXXX or XXXX if you require any further information or clarification. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-31
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. (AL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/2020 ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX XX/XX/2020 ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$920.00} ; XXXX XXXX Balance : {$12000.00}.
Consumer complaint received 2023-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Last Friday, when I checked my Bank of America, checking account, which I opened here in XXXX, North Carolina, I noticed that the bank had cashed five checks from a gentleman named XXXX XXXX, totaling {$4100.00} ( check # XXXX for {$600.00} ; check # XXXX for {$930.00} ; check # XXXX for {$1300.00} ; check # XXXX for {$86000.00} ; check # XXXX for {$35000.00} ) At that moment, I called the bank to report it, and the Fraud Department is currently investigating the case. On Saturday morning, there were two more checks from the same person for {$1900.00} ( check # XXXX for {$530.00} ; check # XXXX for {$1300.00} ) which surprised me greatly since I had reported and requested an account cancellation the day before. 
Bank of America is investigating these fraudulent transactions, but I wanted to report to you because it is very likely that not only my financial information has been compromised but also my personal information. I will be taking the necessary steps with the Police of XXXX, the Fraud Section of the United States Department of Justice as well. 
I don't understand why Bank of America doesn't have a good financial security system and allows funds from my bank account to be used with checks that don't have my name or signature. I haven't even requested checks from Bank of America. Actually, what gives me the impression is a precarious system with few safeguards, which concerns me greatly because they have all my information, such as a copy of my green card, social security, and driver 's license. They request this information to open their customers ' bank accounts. 
I urge your assistance since I have not received any information in writing from the bank and I need my funds back. They mentioned that the process can take up to 90 days to have my money back. I hope you can help me to expedite my claim. 
Enclosed you can find print screen of checks and print screen of online statement. 
Thanks in advance,
Consumer complaint received 2023-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (IL)

I deposited a check for my sister XXXX XXXX because she do not have a checking account. We have never had a problem before chase bank. We signed the check and made the mobile deposit on the app. Everything was fine! XXXX even made the funds available to us, so if we was SCAMMING we could have withdrew the money out the account. It was a legitimate check for a settlement she was a part of. But what chase did was cash the check and then freeze the account, instead of just sending the check back if they do not accept second endorsed checks.They should have never cashed the check. Now chase just holding the money in their bank gaining interest on money they should not be. They closed my account I been using putting money into and making transfers from. It is fine they closed the account, but why would they cash a check then hold on to the money? It is no excuse for it, because they could have just simply returned the check and we could have used my credit union or XXXX XXXX bank accounts I have. IT is no telling how many people chase have done this illegal transaction too. Because why would you cash a check, then freeze the funds instead of just return customers checks? They saying come into the bank, but why would we have to do all that over a legitimate check! I think CHASE does this to make interest off our money! We did nothing wrong here and I have proof the funds was available and we could have withdrew the money before Chase closed the account.
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, 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. (GA)

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2023-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2023-10-09
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. (TX)

XXXX XXXX XXXX XXXX  I disputed accounts on my credit report that came back verified. I specifically asked for proof of accounts and who verified the accounts which by law, I am allowed to ask for. The accounts came back as verified and closed without sending any information on who verified the accounts or how they were verified.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I was a victim of identity theft. I got a alert from my fico that someone has stolen my identity. They charged all of my credit cards without my permission. After stealing my identity, I would like all of these removed from my credit profile.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I was just looking over my credit report and found some inaccuracies that I am demanding you correct. 
According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable. If you are unable to fix these inaccuraces for any accounts listed, then per FCRA requirements please remove the inaccurate account entirely from my credit report. 
Here are the inaccuracies I have identified : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect balance or past due amount Instruction : The account balance of {$21000.00} is wrong, and so is the past due amount of {$0.00}. Please correct these inaccuracies or remove the account per FCRA accuracy guidelines. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect balance or past due amount Instruction : The account balance of {$12000.00} is wrong, and so is the past due amount of {$0.00}. Please correct these inaccuracies or remove the account per FCRA accuracy guidelines. 
Thank you, XXXX XXXX
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (AZ)

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 15 USC 1681.

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 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.
Consumer complaint received 2023-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I purchased a sofa from XXXX XXXX  on XX/XX/XXXX, using my XXXX card through Bank of America. The amount was for {$3300.00}. I was told that my delivery date would be XX/XX/XXXX. XXXX weeks before delivery, I was told there was a delay. XXXX weeks later, I was told there was another delay of my product. By XX/XX/XXXX I received an email from XXXX XXXX  that they were dealing with financial issues and that " negotiations were ongoing '' and to wait 1 month to see if I was going to receive my couch. On XX/XX/XXXX I was notified that the company XXXX XXXX had been assigned to XXXXXXXX XXXX XXXX XXXX for restructuring. In order to receive my money back, I needed to complete a claim, which I did on XX/XX/XXXX. Meanwhile, XXXX XXXX  was purchased by another corporate entity and is now under new management. On XX/XX/XXXX I called XXXX XXXXXXXX XXXX XXXXXXXX for an update on my claim. I was told that the case is closed and no money would be returned to anyone who had made a claim. They recommended calling my bank. My bank, Bank of America said they can not complete a claim because it is older than 6 months. XXXX XXXX stole {$3300.00} from me.
Consumer complaint received 2023-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (IL)

Synchrony bank reduce my Sam 's club available credit from XXXX to XXXX. The bank reasons were as followed. 
XXXX. My debt to available credit ratio was too high. 
At the time my debt to available credit was 17 %, well below the 30 % that credit counselors recommend not to exceed. 
XXXX. That the amount owed on mortgages had not been paid down enough from the time they were taken out. 
I only have XXXX mortgage and I have been current for the past XXXX years. 
XXXX. Too many credits inquire. 
In XX/XX/2023 I purchased a vehicle. The dealership sent out inquires to many finance companies and banks. As a consumer I should not be penalized for seeking the best term and interest rate. Finally, Synchrony bank ignored the fact the I was never late on payments, and generally paid the balance off each month.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

Recently, I conducted an investigation on my credit report and it made me really upset that the XXXX reporting credit agencies can claim that they are reporting everything 100 % correct when there are so many inaccuracies between the XXXX bureaus for the account XXXX card. I found that there is unverifiable, invalidated, inaccurate and questionable item that that are obviously not 100 % accurate. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. code 1681 e ( b ) and 15 U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that this account for XXXX card was properly investigated and came back as verified. However, how can that be possible when there are several inaccuracies showing on my report between the XXXX agencies?
Consumer complaint received 2023-01-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (AL)

XXXX XXXX I am responding to your notice that you placed in my consumer re-port under collections about a debt you are trying to collect. 

Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

Provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was trans-ferred. When you identify the original creditor, please provide any other name by which I might know them. In addition, tell me when the did you obtained the debt. 

Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was. 

Best Regards,
Consumer complaint received 2023-10-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (OR)

I have attempted to change my repayment schedule on my federal student loans thru Aidvantage several times. On the Aidvantage website, it says if you would like to exit SAVE repayment type and change to a new repayment schedule ( which is what I would like to do ), then you need to contact Aidvantage directly. I have sent Aidvantage two emails using the email provided prompt on their website stating the change I would like to make. My first email was sent on XX/XX/23 and I received an automatic reply stating that it was received and Id receive a response in two days. I never received a response. I sent a second email outlining the same request on XXXX, received an automatic response that my email was received and still have not seen a response. 
My first payment is due tomorrow under XXXX XXXX and I will NOT be paying it as Ive requested to change plans several times now.
Consumer complaint received 2023-08-30
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)

I DO NOT RECOGNIZED ANY OF THESE HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX