davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NE)

Equifax and XXXX XXXX is reporting a collection account as open. Per the FCRA this is a violation, and such account should be deleted. Validation of the collection account has not been provided by the debt collector, Equifax, or XXXX XXXX. In addition, removal of inaccurate/invalidated credit information is a violation of U.S. Code 168i ( 5 ). I did dispute this violation XXXX times in XXXX. Recently summited another dispute to Equifax on XX/XX/XXXX and Equifax lowered my credit score by XXXX points after submitting the dispute. No other factors could have contributed to a XXXX point decrease.
Consumer complaint received 2024-03-27
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: Experian Information Solutions Inc. (NC)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-10
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (MD)

On XXXX XXXX XXXX, I bought a new set of XXXX tires for my car at Pep Boys in XXXX, MD. When purchasing the tires, I inquired about a credit card offer I saw online. The offer was to receive a " {$200.00} VISA prepaid card when you purchase and install a set of XXXX XXXX, XXXX, XXXX or XXXX tires with your Pep Boys Synchrony Care Care credit card* '' The * references a comment of " *In Store Only '', which was fine, because I was purchasing the tires in the store. The person who helped me said that I could fill out the credit card application and charge my tires, so I applied, was approved, and used the credit card for my tires purchase. I asked about the rebate and he said that it would be mailed to me. 

A couple months went by and I did not receive the rebate. So, I tried emailing Pep Boys customer support for assistance. First, they directed me to the wrong rebate - one sponsored by XXXX, not the Synchrony card. Then, they gave me a website for Synchrony promotions : synchronycarcare.sendmyrewards.com and a Synchrony phone number I could call : XXXX When I went to the website, they had rebate forms, but only for purchases in the then-current month of XXXX, none were applicable for much XXXX purchase. So, I called the number and asked for the correct rebate form. The person I spoke with said that I had to have filed the form within 30 days of the purchase and that she could no longer provide me a rebate form. I explained that I had been told that I would receive the VISA credit card and no further action was required on my part. Furthermore, the website promotion mentions nothing about a rebate form that must be filed. It does have an asterisk ( * ), which only refers to the need to make an in-store purchase. So, I had done everything in my knowledge and power to obtain the promised rebate. I asked if I could speak to a supervisor and was told she was the supervisor and that there was nothing more she could do. 

Attached is a copy of the web page showing the {$200.00} XXXX  prepaid card promotion and a copy of the email exchange with Pep Boys customer service.
Consumer complaint received 2022-11-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On XX/XX/2022 I made a payment for {$1800.00} to clear my balance. Once submitted, I immediately received an alert claiming potential fraud and to call customer support. I called support and was told they would need to call my bank to verify I am the owner of the account. The first rep called my bank and stated they couldnt verify my account because they didnt have my account information and that there was nothing that could be done. I was then transferred to a manager who said I would need to upload a bank statement showing my account number. I uploaded the bank statement and the manager stated he could not use it because it didnt show the payment for the same day. I explained that I could send transactions but a bank statement for XXXX transactions is unavailable because it is STILL XXXX. The manager said oh well and that I would need to wait til XXXX and that I would not be able to use my account. I then requested to file a complaint and the manager refused. This is beyond unacceptable
Consumer complaint received 2024-03-15
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (IL)

Marcus by Goldman Sachs advertised a CD at 5.5 % and when I funded it with {$300000.00} they didnt not disclose the rate was lower until after the account was funded on XXXX XXXX at which time I immediately called to reverse the transaction and was told I needed to wait the security period but was assured there would be no early termination fees due to the situation. Ill cut to the chase and say after repeatedly being given the run around for weeks and changing excuses why the account was not closed it was finally closed and the ACH back to XXXX on XXXX XXXX was only {$290000.00} when on XXXX XXXX the CD statement said I had {$300000.00} and was still earning daily interest. I was repeatedly promised over and over across multiple calls by multiple customer service agents that I would be fully refunded which obviously didnt happen. When I called back to find out what happened they said this is happening to others and they dont know why but when they closed the CD they said they didnt charge early termination fees but somehow I did not get the whole amount. Marcus is withholding over {$7500.00} of my money and Ive been given nothing but the run around. Ive repeatedly asked for copies of the recorded calls and have not been provided them. Ive been passed from department to department and the story always changes about what I need to do next and quite frankly amount to nothing but delay tactics to withhold my money. By far the worst banking interaction Ive had in 40 years. Give me my money back that is owed with all earned interest.
Consumer complaint received 2024-03-27
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: Experian Information Solutions Inc. (LA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (MO)

I comprehend that as per FCRA 605B, it's mandatory to eliminate any erroneous accounts from my credit report. Could you kindly review the documents? I've observed discrepancies in several listed accounts, which is worrisome to me
Consumer complaint received 2023-01-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

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. 
Account name : 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 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 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 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 2023-09-14
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. (GA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX  {$830.00} ; XXXX XXXX XXXX XXXX XXXX {$13000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3700.00} ; XXXX XXXX XXXX Balance Owed : {$2500.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$3700.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  {$2000.00} ; XXXX XXXX XXXX XXXX XXXX  : {$2700.00} ; XXXX XXXX XXXX XXXX XXXX  : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$3000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  {$1800.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$73.00} ; XXXX XXXX XXXX Balance XXXX XXXX {$2900.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1500.00} ; XXXX XXXX XXXX Balance XXXX XXXX {$440.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1200.00}.
Consumer complaint received 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (MI)

The United States Bankruptcy Court for the XXXX XXXX of Michigan does not report individual bankruptcy case filing data to credit reporting agencies. Nor do they update information directly to the credit bureaus. I have supporting documents. 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 1681 c. ( a ) ( 5 ) 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 crime 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 a reasonable cause to believe that the information is in accurate
Consumer complaint received 2023-09-03
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: AMERICAN EXPRESS COMPANY (CA)

Hi I filed a fraudulent charges on my card my card on XX/XX/2023 but the the American express did not cancel the booking and I ended up getting charged. They denied my claim and charged me XXXX.
Consumer complaint received 2023-09-03
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

The XXXX XXXX  still holds XXXX dollars from my NJ unemployment money. They added private mortgage insurance adainst New Jersey. So they stole my home at XXXX XXXX XXXX, XXXX NJ XXXX. Got paid then sold the home and got paid again. Muat be nice to be this pank. I also applied for a modiification on my mortagage five times but they never responded. This is a violation of Federal law ' Under the 5th and 14th Amendments no person shall be denied the right of life liberty or property without due prosess.They have been investigated under the RECO ACT. Now I hace tried our XXXX XXXX XXXX. XXXX I will go to XXXX to try toget the word out to as many people. I am a XXXX XXXX XXXX vet. Forced out of my home.
Consumer complaint received 2024-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

Hi XXXX, account and XXXX was charged off in 2022 with a negative balance of {$930.00} I was released and I disputed this because my account was over XXXX when XXXX XXXX XXXX XXXX  prior during the investigation, it was necessary to provide me provisional credit seeing his house account was closed provisional credit was mailed in check # XXXX {$650.00} # XXXX {$650.00} # XXXX {$1100.00} And the credits these are the credits that were processing to get check numbers when I called and got the original check numbers {$1700.00} {$1000.00} {$660.00} {$270.00} {$930.00} The Checks that were told to me that they were mailed and cashed and then I was told that they were never mailed and then I was told that they were mailed and canceled. The only way for me to access updates on these cases Wash 2 call Chase because for some reason their policy requires them to message me through their secure message center which they clearly know I cant access because I have a charged off account and my access has been intentionally blocked even after informing them they still continue to provide Sensitive information like the day to the checks I even asked if they could just combine it in one to make it simpler, they refused. I have been in contact with Chase for over a month getting information every day the most recent being today I have took detailed notes of todays conversation with dates and times as well as employee ID numbers at three XX/XX/XXXX XXXX ID number XXXX as well as agent number XXXX as well as five members from the claims department who refused to give me their numbers told me four stories about the checks ranging from they didnt exist to them, all of which I am not sure of, except that in fact, they do exist. I have provided Chase with more than enough information they have approved denied approved, denied and reverse this decision way too many times. It is clear that XXXX XXXX XXXX XXXX and someone access my account rather than spend the energy trying to figure out who they are trying to hold me liable. Please help me.
Consumer complaint received 2024-03-27
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. (NV)

Dispute of Inaccurate student loan Information and Violation of FCRA Law I have recently obtained a copy of my credit report from your bureau and discovered that it contains inaccurate student loans.I am writing to inform you that you have violated the Fair Credit Reporting Act ( FCRA ) by failing to investigate my previous disputes of inaccurate information on my credit report.

I provided you with clear and convincing evidence that this information was inaccurate, including copies of of my credit report. However, you failed to investigate my dispute and remove the inaccurate information from my credit report.

This failure to investigate my dispute violates Section 611 ( a ) ( 3 ) ( B ) of the FCRA, which requires credit bureaus to investigate all disputes received within a reasonable time. It also violates my rights under Section 620 of the FCRA, which gives me the right to have inaccurate information removed from my credit report.

I am requesting that you immediately investigate my previous disputes and remove the inaccurate information from my credit report. I am also requesting that you provide me with a copy of your investigation report and a copy of your updated credit report I am aware that under the FCRA, I am entitled to actual damages, punitive damages, and attorney 's fees if you have willfully violated the law. I am reserving my rights to pursue these remedies if you do not resolve this matter to my satisfaction. 

Sincerely, XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2024-03-06
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (DC)

We contacted Citi after receiving notice our address had been changed. We did not make the change. During investigation, Citi confirmed unauthorized access to our account. At this point, our online access was frozen, and we had no way to check charges or balances. 

Citi eventually closed our credit card account without informing us. That is we did not request the closure, nor know about it beforehand. 

Our account had {$990.00} in cash-back rewards at the time of the closure. Citibank did not credit these reward points before closing our account, and now refuses to reimburse us for the reward points. 

Citibank states that once a credit card account is closed, any reward points are forfeited.
Consumer complaint received 2024-03-27
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. (MD)

I am writing to formally dispute the inaccurate student loans showing on my credit report, and I believe it is essential to address these issues promptly. 
I request that you immediately delete and block all the student loans from my credit report. This incorrect information is damaging my credit score and impacting my ability to obtain credit at favorable rates.

Please note that I am aware of my rights under the Fair Credit Reporting Act ( FCRA ). I have the right to accurate information on my credit report and to dispute any inaccuracies. 
I urge you to investigate this matter thoroughly and expeditiously, and to notify me of your decision within 30 days as required by the FCRA. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-03-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hollins & McVay, P.A. (KS)

Received notice from my part time job that I had a notice of wage garnishment sent in my previous married name ( 20 years ago ). Never received anything from the company or attorney garnishing wages prior to this. Tried calling company and no one ever answered the phone. Several weeks later received an answer of garnishee from my employer showing I am active but no current wages that time frame since we are in off season for this job. I have worked my current job for over 20 years and nothing was sent there. I have no idea what this debt is for or no one to ask. I also believe the statue of limitations have run out if this is my debt.
Consumer complaint received 2023-05-02
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. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (NC)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the 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 personal information. 15 USC 1681 section 604 a section 2 states that " 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. '' The financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX, XXXX & XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. XXXX5 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.