davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-14
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: EQUIFAX, INC. (NC)

According to my research about FCRA 605, credit bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} ; XXXX XXXX XXXXXXXX Balance : {$4300.00}.
Consumer complaint received 2023-03-14
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: EQUIFAX, INC. (MS)

Under 15 U.S Code 1681 b Permissible purposes of consumer reports I never gave you any consent to report anything on my consumer report, no consent is Identity Theft Under 15 U.S Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report, these accounts are violation, any credit transactions are supposed to be excluded from a consumer credit report if a social security card was used in the transaction.

15 USC 1681S-2 ( A ) ( 1 ) ( E ) ( ii ) Rehabilitation of private education loans, these loans below have completed the Rehabilitation process XXXX {$50000.00} Department of Education {$16000.00} Department of Education {$11000.00} Department of Education {$7500.00} Department of Education {$6300.00} Department of Education {$5700.00} Department of Education {$3400.00} Department of Education {$3300.00} Department of Education {$2500.00} Department of Education {$2500.00}
Consumer complaint received 2023-11-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Statebridge Company (MD)

Statebridge Co. 
Have called XXXX in the last month about a mortage that I never had with them! 
I thought the understood I dont have a mortage with them. This was a loan for a home in XXXX, Md. 
We don't live or have any home in XXXX, Md. 
Both call have been to my wife phone asking for me! 
They didn't have my phone number? 
They did give a loan ID. Number
Consumer complaint received 2023-03-14
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I am writing to demand that you erase and place an immediate block on the fraud recorded beneath my credit report in 4 days of this correspondence. I have got a copy of my credit report and the data recorded beneath doesn't identify with any exchanges that I have made ; in this manner, I am mentioning that these things be totally erased and blocked from my credit document. This is certifiably not an ordinary question. If you don't mind evacuating and obstructing the accompanying data from my credit report in accordance with area 605B of the Fair Credit Reporting Act inside 4 days. I am mentioning that the accompanying items be deleted and blocked from my credit document.
Consumer complaint received 2023-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (SC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No callback option XXXX XXXX XXXX Highest level of management XXXX of management XXXX XXXX XXXX XX/XX/XXXX transferred XXXX XXXX XX/XX/XXXX XXXX said XXXX filed XXXX dispute Called back XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ordered new card XXXX XXXX XX/XX/XXXX TD Bank filed XXXX XXXX and blocked my card with my knowledge. I called and got a virtual card and a manager by the name of XXXX blocked my card. She told me she did not block my account and today a manager told me she did. I am out of town and not close to a branch. I have no cash and the last TD Bank manager by the name of XXXX basically told me to XXXX it up and ordered a new card.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-03-14
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: EQUIFAX, INC. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$19000.00} XXXX XXXXXXXX Balance : {$410.00}
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NE)

In accordance with the Fair Credit reporting act. XXXX account # 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 an account without my written instruction. 
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
Consumer complaint received 2023-03-13
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (PA)

Synochrony of Sam 's Club Credit has closed my credit card claiming that I had two NSF payments within a 12 month calendar year on XX/XX/2023 for {$40.00} and XX/XX/2023 for {$40.00} from my XXXX XXXX XXXX  account. However, my XXXX XXXX XXXX has no record of these NSF transactions and they are not reflecting on my XXXX XXXX  statement. My Sam 's Club Credit card is not delinquent an any way. I have submitted to Synochrony my XXXX XXXX XXXX statements for XXXX & XXXXXXXX XXXX  and they refuse to accept them as proof that these transactions do not exist and that sufficient funds were in the account on or around the supposed payment transactions. Synochrony wants XXXXXXXX XXXX XXXX to write a letter claiming error. XXXX XXXX XXXX  refuses to write a letter and instead demands that I send Synochrony my bank statements. This is unfair to me as a consumer caught in the middle of such nonsense. I am not delinquent nor have I ever been late or delinquent with this Synochrony Sam 's Club Credit card account. They are ruining my credit score by Merchant closing my account. I demand they reactivate it. This policy is unfair and burdensome.
Consumer complaint received 2023-11-15
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (WA)

I have a Slate credit card through Chase. I have been with this bank for over 10 years. I first noticed a fee of XXXX about a month ago this fee seemed to be in addition to any interest fees I might be charged. I called the bank about this charge and was told this : The fee is if you don't pay the exact monthly minimum payment and/or if you don't pay off your balance each month. I am on Social Security and because of food prices and miscellaneous expenses I have used my credit card a lot. The balance is approximately XXXX now which is far more than I ever wanted it to be. I have although been able to pay more than the minimum payment because I wanted to get it paid down. With the additional XXXX bank fee added each month it is becoming like a " Catch 22 '' situation and seems I am being penalized for paying more than the minimum payment and not being able at this point to pay off the balance. I am beginning to think the bank is making it difficult for me to get my credit card paid off. This is frustrating to say the least. 
My questions is, is this fair and how come they are allowed to do this? 
I would so appreciate a response and an explanation I can understand to why Chase bank is doing this. 
Thank you XXXX XXXX
Consumer complaint received 2023-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

someone has been using my information I have been trying to get these removed for a while no results so I recently went to the police department and they gave me a police report to send to bureaus they said this will help me and my situation
Consumer complaint received 2023-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (WV)

On XX/XX/XXXX, a washed check cleared the business account that we wrote through Truist in the amount {$14000.00} on check XXXX. We did not notice this as when we check online banking the criminal had not changed the amounts! On XX/XX/XXXX, a second washed check cleared the business account in the amount of {$12000.00} with check number XXXX. On XX/XX/XXXX our vendor made it aware to us that they had not received payments, We then went to our local Truist Bank branch found these two washed checks, and made a fraud claim. Both checks were deposited online to XXXX XXXX  under two separate names and addresses. Truist fraud department is denying our credits for this fraud due to late reporting. In fact, we reported the second check just 2 days after the statement was realized but because the first check was unfound on XX/XX/XXXX they are denying credit for both checks. We use banks to protect us against theft. This was grand theft and Truist is using an arbitrary time loophole to put the bill on us! They say they are working with XXXX to recover the money but it may take up to 6 months and let 's be honest why would XXXX just be willing hand over {$27.00}, XXXX to anyone. We need your help! This is a small business and this much money makes a big deal for us! Its equivalent to a half year salary for one of my employees.
Consumer complaint received 2024-05-01
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: I.C. System, Inc. (MD)

I have purchased service & phones with XXXX onXX/XX/2023. We canceled the services on XX/XX/2023 due to false information provided by agent. i returned the phone too but they keep sending me {$3000.00} bill. i have spoken to customer service they said i won't be charged but they haven't resolve this issue. i went to XXXX store ( Address : XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX ). Manager name is XXXX. I also called the customer service ( lady name : XXXX ) and they have verified that I have returned phones in warehouse. They gave me ticket # XXXX. they send this bill to collection agency ( I.C system Inc ). they don't have any information regards to my bill. they are only talking if i can make any payment.
Consumer complaint received 2022-12-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (CA)

CMRE FINANCIAL SERVICES COLLECTION/CHARGEOFF Other {$150.00} Status Date Reported XX/XX/2022 Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Original Lender XXXX XXXX XXXX XXXX Account Type Not Reported Responsibility Individual Age Of Account 3 Years, 7 Months Credit Limit Not Reported Highest Balance {$110.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Remarks Placed for collection.
Consumer complaint received 2023-11-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MD)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Subject : XXXX XXXX XXXX Venmo for Inadequate Response to Fraudulent Activity Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Venmo, a financial technology ( XXXX ) company, for their failure to take appropriate action following a scam that resulted in a personal loss of {$200.00}. This incident occurred on XX/XX/2023, when I attempted to purchase tickets for a XXXX XXXX game through the XXXX marketplace, utilizing Venmo for the payment. 

Details of the Incident : The scammer promised to electronically transfer the tickets upon payment confirmation. 
After sending the payment, I was informed that the funds were on hold for 21 days and was promised a refund, which was never received. The scammer then requested an additional payment to a different Venmo account, which I recognized as fraudulent and did not proceed with. 

Despite providing Venmo with detailed information about the scammers, they failed to take any action in returning funds. Venmo knows these are fraudulent accounts, yet does nothing to protect the general public from them. Inaction is action as Venmo is now complicate in the fraud. 

Key Issues : Venmo 's Failure in Addressing Fraud : Venmo 's lack of action in the face of clear evidence of fraud is alarming, especially considering their access to KYC information and ability to track fraudulent accounts. 

Lack of XXXX XXXX : The XXXX sector, including Venmo, operates with minimal regulatory oversight compared to traditional financial institutions, leading to a neglect of consumer protection responsibilities. 

Inadequate Privacy Policy and Terms : Venmo 's terms and privacy policy seem to prioritize their interests over consumer rights, highlighting the need for regulatory enforcement of fair business practices. 

Reference to Federal Case : I would like to bring to your attention a relevant case : On XX/XX/2023, the CFPB fined XXXXXXXX XXXX  {$9.00} XXXX for their inadequate handling of fraud disputes and denial practices. This serves as a precedent for the necessity of holding financial service providers accountable for consumer protection. 

Request for CFPB Action : I urge the CFPB to thoroughly investigate Venmo 's practices in handling fraud complaints and to evaluate their approach to consumer protection. 
This incident underscores the need for greater regulatory scrutiny and consumer protection measures in the XXXX industry. 
I am willing to provide further details and support the investigation, including signing an affidavit to verify the authenticity of my claim. 
I trust that the CFPB will address these concerns with the seriousness they deserve and initiate appropriate actions. Thank you for your attention to this urgent matter. 

Sincerely, XXXX
Consumer complaint received 2023-11-15
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: OPORTUN FINANCIAL CORPORATION (OH)

I received a letter dated XX/XX/ from Opportun Visa Credit Card issued by XXXX in regards to my account ending in XXXX. The letter advised my account was closed due to inactivity. The account was open 148 days. I opened the account XX/XX/3 and it was closed XX/XX/. I am demanding this account be re-opened or will pursue legal action against the creditor. They should as a courtesy send a reminder letter ( as most creditors do ) that the account will close in so many days if the account isn't used. This account wasn't even open 6 or 5 months, and now its going to be affecting me in a negative way on my credit report - will report as account closed by credit grantor ; which makes it look bad on me to other creditors and lenders. I called customer service and they say is that I can re-apply for another account when i get another invite, in which they don't know when that will be. I disagree with this whole mess they caused. I don't care what Section 32 states about closing or suspending an account. This creditor is a subprime lender that preys on customers with low credit scores and bad credit. Since I don't fit that criteria of a low credit score or bad credit, they take advantage of me by closing my account to hurt my credit by closing it with it only being not open not just 5 months. I want something done about this and the account back to the way it was. I am not, will not, and will not accept NO or there is nothing we can do as an answer.
Consumer complaint received 2023-11-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC (GA)

XXXX XXXX I received a text from someone that had a property to show me. I had entered my phone number on all these rental websites that I really do not know how he git my number. I went to the property he told me. Has to be verified through XXXX to get the access code to enter the property which I Did. Looked at the property he was on the phone with me. We agreed and sent him {$1000.00} for deposit and {$1100.00} for the rent so I can live there. Later on, he sent me the contract. It was misspelled, unprofessional and had a whole different address. I no longer wanted that property because well thats when I realized I had been scammed. He didnt answer my calls, told me he got pulled over. Disputed with my bank, told the officers, but closed case. Because They say its my fault and how do they know Im telling the truth. I got the deeds to the house from my local court house and his name is nowhere to be found.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

on XX/XX/2023 I sent out a dispute letter to all three credit reporting agencies about several accounts on my credit report that have inaccuracies. They have been non Compliant to responding to my request. I ask promptly for them to remove the following accounts that is harming my credit report. They have not have not followed 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. please see attached proof of the following letter sent to the credit reporting agenices. 

XXXX. XXXX XXXXXXXX Account Number : XXXX Late payment status is reporting different amount of times to each reporting agency. 
XXXX. XXXXXXXX XXXX Account XXXX : XXXX Account is not reporting late payments to all credit reporting agencies. Please review and remove from my report for inaccurate reporting!. 
XXXX. XXXX Account Number : XXXX Account is reporting postitive standing and reporting negative standing please remove account for inaccurate reporting on my credit report.
Consumer complaint received 2023-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: AMERICA FIRST FEDERAL CREDIT UNION (UT)

I accidentally paid my XXXX bill  from my American First Credit Union checking account instead of my usual checking account. I did not have funds in the American First Credit Union checking account to cover the amount I sent to XXXX, so I got an overdraft fee ( I am fine with the fee ), and XXXX sent the payment back to American First Credit Union. ( See document ) American First Credit Union can not accept the payment reversal from XXXX even though XXXX has sent back the money to American First Credit Union. Basically, I am not only out the overdraft fee but also the amount I paid to XXXX, the amount XXXX sent back to the American First Credit Union, XXXX.
Consumer complaint received 2023-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

TransUnion send me affidavit to sign when I submitted a FTC report. 
After signing the Affidavit and sent it back Transunion flagged that it was not sent by me. 
When I ask them what do I need to do to proof that I sent the documents TransUnion refused to answer my question. 
The bankruptcy in question was deleted by the following bureaus. 
XXXX deleted it. 
XXXX delete it. 
XXXX XXXX Deleted it. 
Only TransUnion does not follow the FCRA guideline. 
TransUnion also claimed that the furnisher was the Bankruptcy court and when I submitted the document from Bankruptcy court that the bankruptcy court does not furnish anything to credit bureaus Transunion refused to do their job under FCRA. 
I will attached every single documents that TransUnion failed to address.