davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (IL)

Navy Federal is in violation of 15 USC 6802. They are sharing personal information after I have opted-out of personal information sharing. Also the status of the accounts are showing incorrect. They are showing as a " Charge-Off '' which would then have to be reported as income, and income is not the be shown a a consumer report. This account also meets the criteria of what is to be EXCLUDED from a consumer report per 15 USC 1681b.

" ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ]
Consumer complaint received 2024-05-24
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. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
" XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-19
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. (CA)

Account number # XXXX XXXXXXXX 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  15 USC 1681 Section 602 States i have the right to privacy 15 USC 1681 Section 604a section 2 it also states a Consumer reporting agency can not Furnish an account without my written Instructions under 15 U.S.C 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-12-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PNC Bank N.A. (TX)

I made a credit card payment to PNC bank in cash, I called him the next day and asked him why hasnt the payment posted, and they said that it takes up to seven days for a cash payment to reflect on my account with them, to me that is criminal. They are using my money for other nefarious purposes, and not crediting my account when it should be instant credit like XXXX XXXX, and all other banks do.
Consumer complaint received 2023-12-19
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (GA)

I open up a Care Credit card I'm XXXX XXXX From the beginning that I got the card they began charging interest in the card. Which was a promotion not to charge interest for several months. I also noticed that I have been making payments on this card from the beginning. As of XXXX I only have a balance of {$160.00}. I have made payments in the amount of {$120.00} since XXXX XXXX XXXX. My credit is nor increasing when I make my payments. I feel that they are scamming people
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions 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. 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. 

I've asked for the companies to investigate the information and have received no response.
Consumer complaint received 2022-11-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc. (GA)

My Cash App card was stolen on XX/XX/2022 and multiple fraudulent charges were made. I disputed all of the fraudulent charges and the majority of them were refunded to me however 3 of the charges made totalling {$280.00} were not. These 3 charges were made tieframe wise in the middle of the other charges that were refunded to me as fraudulent however for some reason Cash App deemed these 3 charges as valid providing zero documentation for their basis for doing so other than a listing of the date of the charge, the amount, and the merchant name. I have disputed them at least 7 times with Cash App and they deny my claim everything without having any basis for doing so. They have essentially stolen my money. I want my funds placed back in my account and these fraudulent charges reversed immediately. Please please help me.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

Under FCRA 605B, we're obliged to expunge any incorrect entries from my credit profile. Would you mind verifying the documents? Several of the listed entries are inaccurate regarding their reporting. Compensation of {$1000.00} is due for each erroneous reporting on my credit file.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Identified Issues : 1. Bank of America Revolving card ( loan ) has been issued by someone under my personal information in XX/XX/XXXX with the debt of approx {$9000.00}. 
2. someone has been paying back on the bank of Americal Revolving loan since XXXX and still active with $ XXXX bebt. 
3. someone stopped the payment since XX/XX/XXXX which negatively impacted on my Credit score.

Actions taken so far 1. I visited Bank of America branch > Financial Advisor in person and identified that I've never issued the bank account under Bank of America and they confirmed that they can not find any history of Revolving loan 2. Frozen my bank account or credit card issuance by calling all three credit bureau
Consumer complaint received 2023-12-18
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. (NY)

My Experian credit report showed a debt in collections to XXXX. I never owed XXXX money. I disputed with Experian. They removed the item from my report. But now, months later, the company XXXX XXXX XXXX ( XXXX ) provided a credit report to a potential landlord, and the report included the same debt in collections that was removed from my Experian report. It looks like XXXX got the report from XXXX. My complaint is that I dont even know who all has this incorrect collections item under my name, and I should not have to call up the furnisher and other credit bureaus to fix it. Experian, the furnisher, or both have illegally failed to propagate the results of the dispute.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I AM WRITING IN REGARDS TO THE FRAUDULANT ACCOUNT BEING REPORTED TO MY CONSUMER REPORT UNDER 15 USC 1681c-2 ( blocking of information ) I also filed an etc report in regards to this problem. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-18
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (FL)

Synchrony Bank decided without my consent to close two credit cards I had paid off ( XXXX XXXX and XXXX ) and gave me no reason why they closed them. On another account ( Carecredit ) they decided to decrease my credit limit, even though I have always paid on time and have not skipped any payments. I am a member of the military and I believe these are unfair business practices which affect the fulfillment of basic living needs.
Consumer complaint received 2023-03-29
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. (NY)

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the following accounts below from my report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}, XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$3500.00}, XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$17000.00}
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

on XX/XX/2023, XX/XX/2023, XX/XX/2023 There are hard inquries on all three credit reports XXXX, XXXX, and experian my XXXX XXXX dropped from mid 700 's to low 500 's within a month and I sent letters-and spoke to representatives from all three credit reports that I did not authorize these hard inquires on my report and thus a police report was issued on XX/XX/2023 serieral number : XXXX XXXX XXXX XXXX : XXXX  XXXX XXXX California on XX/XX/2023, I spoke with XXXX, representative in the special department at XXXX, she stated she is unable to remove hard inquires from my credit report unless she has a police report, FTC letter, or other documents to provide assistance with the investigations Report mailed today, XX/XX/2023 WHAT DOES THE LAW SAY : If you notice hard pulls on your credit that you did not consent to, you can demand the creditor remove the inquiry. If they do not do this, you can sue under the Fair Credit Reporting Act ( FCRA ) Withholding Notices You're entitled to notices concerning the reporting, handling, and use of your credit information. Notice violations under the FCRA might occur when : I was not notified to these hard inquiries on my credit report a creditor fails to notify you when it supplies negative credit information to a credit reporting agency a user of credit information ( such as a prospective employer or lender ) fails to notify you of a negative decision based on your credit report a creditor fails to provide you with your credit score if it was used as part of any credit decision a creditor fails to notify you of your right to dispute inaccurate credit information a creditor fails to notify you of your right to obtain a free credit report or a creditor or " user of information '' refuses to identify the source of the credit information it obtained about you.
Consumer complaint received 2023-11-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I was taking money from my credit card in a cash advance and putting into my checking account. I then took money from my account as I did know it was a fraud and identify theft. This was going on for a few weeks. 
Upon receiving a money transfer and removing money several time a manager said they would close my account because I was being fraud. I asked if the money would be returned to me and they said the fraud department was handling it. I tried contacting the department and they would respond, " still in research. '' The institution : Bank of America. 
I also had so problems with : XXXX XXXX XXXX but they did give me an affidavit to file to there company. I believe if I was under duress and was told to comply that something can be done. Thank you
Consumer complaint received 2023-06-15
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: CBC Companies, Inc. (GA)

I would like to have any items that you are furnishing deleted from your company 's database because you are reporting information inaccurately as well as incorrectly and without my written consent to do so which is actually labeled as Aggravated Identity Fraud and a violation of my rights which is punishable by state and federal law. 
All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.
Consumer complaint received 2022-11-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc. (TX)

On Sunday XX/XX/2022 some company name XXXX XXXX  took {$40.00} out of my Cash App prepaid Visa card. I have never heard of this company but found numerous complaints from others on XXXX. I am a Senior Citizen on low income, I need my money. I cancelled the card with cash app but my available balance is still {$1.00}.
Consumer complaint received 2024-05-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

XX/XX/2023 file a claim for unauthorized transaction for {$9100.00} I provided dacuments that proof that they weren't mine bank denied claim an olso I file a claim because the bank made an unauthorized electronic transfer for XXXX it's exseted the time ten days invetegation prosese they refuse to give a credit
Consumer complaint received 2023-12-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION (SC)

Applied for a HELOC with Navy Federal Credit Union for the amount of XXXX. This amount was only a small fraction of the equity in my property. The XXXX was XXXX but NFCU wanted me to pay for an appraisal. I paid for that service and of course the apprising company out of XXXX  XXXX SC numbers were less at $ XXXX. I disagreed with the numbers submitted but the loan originator basically said move on from it. A number of documents were requested and sent ( taxes, incomes, insurances, and much more ). Some of the documents were being requested more than once or twice. I told the loan originator, I felt this was over for just a HELOC. Over the last few years, many accounts were opened with no problem. Credit card and vehicles loans were approved in minutes. Credit cards with limits of XXXX, vehicle loans XXXX and XXXX, respectfully. The XXXX vehicle loan was paid of early. My credit score at the time ranged from 790-812 with the three reporting agencies. The loan originator told me that her calculations showed that my debt to income was 55 % the reporting agencies at it from 26-30 %. I offered to send it but was denied stating, she is going with whats on her computer. I do my DD before applying for anything and have other accounts with other financial institutions, no problem. I applied for a XXXX personal loan ( 11.19 % ) and was approved within 24hours with NFCU a few days later. I took on higher interest rates because of this denial. The payment for the personal loan is greater than what the HELOC would have been at the time with low interest. {$420.00} per month. By the way, NFCU always send a message to my account noting my excellent payment history. But I still got denied for a HELOC.
Consumer complaint received 2023-12-18
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. (CA)

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
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 Balance : {$0.00}.
Consumer complaint received 2023-12-18
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

Synchrony Bank has failed to handle my automatic payments for my XXXX XXXX XXXX XXXXXXXX on a timely manner due to their own faulty payments systems and broken website. Every month since I made the initial purchase in XX/XX/2023, they have failed to auto-debit my bank account for my monthly payment and have sent collection notices stating that I'm past due. I have had to call Synchrony directly every month to make the manual payments due to broken email links and the inability to log into my account at XXXX XXXX XXXX Every customer service person I've talked to has insisted my bank details must have been wrongly entered and that it's my fault that payments are being received late. This is despite having a Synchrony account representative manually enter the bank and routing number directly back in XXXX and receiving assurances from him that I would no longer have any issues after he confirmed my bank information and a payment finally went through.
Consumer complaint received 2023-12-19
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. (PA)

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. XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXX : XXXX, XXXXXXXX XXXX XXXXXXXX : 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 2023-12-18
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. (NJ)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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