davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: FIRST NATIONAL BANK OF OMAHA (AR)

I am an XXXX rewards customer. # XXXX. In XX/XX/XXXX, there was a promotion for a XXXX XXXX underwritten by XXXX XXXX XXXX XXXX XXXXXXXX. 

I was approved and at the same time purchased an XXXX XXXX XXXX pass for {$490.00}, with a virtual XXXX card ending in XXXX. 

I receive several emails from XXXX about my account in which I have a preferred XXXX however, I never received the card as of XX/XX/XXXX. 

My concern is I never received the card, I have at least a {$490.00} balance that I have no clue about my card number nor how to pay, and that now I will be delinquent as never received anything from XXXX. 

When you try to call XXXX it's just a number where you have to provide the whole account number, and no Customer Service is even available. 

So on XX/XX/XXXX, I called XXXX XXXX rewards at XXXX and talked to XXXX who was very nice and gave me a number for XXXX of XXXX. This number is a bad number as it just says XXXX does not service XXXX anymore as of XX/XX/XXXX and just refers to a website/Amtrak which is the same site one signs up for, thus a merry-go-round. 

I called back XXXX and said i need this stepped up to operations as i used to work for XXXX and that I will have to file a complaint with CFPB. Since I was in investigations and worked credit card fraud, i know how this works, however, without ever getting to XXXX, to a live person, this will never get resolved due to really poor communication, thus if I am harmed and have damages, I will have to sue both XXXX and XXXX for false advertising and tort claims due to a hit and late charges on my credit. 

I am attempting to resolve this prior to any action. All I know I have a XXXX with XXXX and XXXX with an account ending in XXXX, under XXXX XXXX, which is the same as the XXXX rewards #. 

I confirmed with XXXX my address is correct, XXXX XXXX XXXX # XXXX XXXX XXXX, AR XXXX XXXX
Consumer complaint received 2023-03-04
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 2015 OPM data breach as well as Equifax 's 2017 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 XXXX XXXX XXXX XXXX XXXXXXXX XXXX # A XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$96.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NY)

This is the 4th time I have to dispute the same bedt collection the XXXX XXXX XXXX  sent me a letter stating they were about to delete this account debt collection cause I doesn't belong to me and the debt collector keeps putting this account under my personal credit score affecting my insuramce policy went from XXXX to XXXX dollars due to this matter MidLand Credit Management and XXXX XXXX XXXX are refusing to give me any explanation why there are two accounts under my name making this a complete mess to begin with. 

Once again this is the 4th time I have to keep disputing this once it gets deleted it comes back after 4 to 6 months violating my rights
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In accordance with the fair credit reporting act, XXXX, XXXX, and Transunion has violated my federal consumer rights to privacy and confidentiality under 15 USC 1681. According to the 15 USC 1681 section 602 A states I have a right to privacy. These addresses do not belong to me : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX, La XXXX.
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither 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.
Consumer complaint received 2017-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I closed my checking account with this bank last year and made sure the account was closed with a {$0.00} balance. I 'm now seeing that they are reporting a charge off amount for the account! Nothing was owed to them and they would n't even let me close the account with funds still in the account which had to be withdrawn or spent, so how is it possible to charge off an account that was  MY  money??? Not only that, but since the account has been " charged off '' the balance is continuing to increase. Also, this same bank pulled my credit as a hard inquiry in   XXXX   XXXX   XXXX   even though I do n't have any accounts with them or ever gave them permission to run my credit.I live in a state that this bank is n't even in and have no need for their services so I would n't have been looking to take a loan out with them.
Consumer complaint received 2022-10-26
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. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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.
Consumer complaint received 2024-03-24
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (MA)

I opened an Amazon Store card, operated by Synchrony Bank on XX/XX/XXXX as the result of an email offer that i received. The offer was for an {$80.00} statement credit, upon approval, and a {$120.00} statement credit upon making {$500.00} in purchases within the first 90 days of the account being opened. At the time i was planning on making a purchase of solar panels and batteries, so i decided to apply and was approved shortly thereafter. The statement credit of {$80.00} showed up and was credited to a purchase. After my initial purchase of {$890.00} ( for batteries ) the {$120.00} credit showed up in my Amazon account, as well as pdf statements viewable on line. This credit is still currently visible on Synchrony 's website, amazon.syf.com when i search for prior statement of XX/XX/XXXX. I had not used the card, and statements were not issued. 
On XX/XX/XXXX, i was shopping on Amazon, knew that i had a prior points balance that i had not used, and tried making a purchase using points. When i was trying to check-out, the Amazon Store card did not reflect any rewards points of {$120.00}. I completed the transaction using a different payment method. After that transaction, i contacted Amazon customer support, who recommended that i call Synchrony. I called twice on XX/XX/XXXX, the first representative told me to try again. The second, ( XXXX XXXX told me that my points had expired. I asked for a copy of the card holders agreement where that was referenced, she asked me to hold, and came back and told me that my rewards points were still available, but i would not be able to see them because my account did not have a balance. I have the original card holders agreement as well as the current terms which can be printed off of Amazon 's site. I asked why i could not see the rewards on Amazon 's website, and was not given an answer. 
I made a purchase on Amazon with the ( Synchrony ) Amazon Store card, so the card would now have a balance. Today XX/XX/XXXX, the purchase has posted, and i called Synchrony in order to pay with the points. I am told the only way to do that is to pay through their website, amazon.syf.com. Their website HAS NO OPTION to pay with points. I have been told by their customer representatives that i need to download the APP for a smart phone and that will work, IT DOES NOT. I was told that i need to access their website using XXXX XXXX as a browser and then i can pay with the rewards points, that didn't work, now ( XXXX ) another representative is telling me that there is an issue with my three devises and i need to contact Synchrony tech support ( XXXX ). The bottom line is i signed up for a credit card with certain features and benefits and Synchrony is refusing to deliver on their credit cards terms and condiions. I can not be the only consumer that they have done this to!!!
Consumer complaint received 2024-03-24
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

Dear Sir/Madam, I am writing to formally complain about the egregious and retaliatory actions taken by Chase Bank against my account, which have not only caused me undue stress but also financial harm. 
Over the past two years, I have diligently paid off all balances on my account before the due dates, ensuring that I incurred no interest charges. It appears that my responsible financial behavior has led Chase Bank to conclude that they can not profit from my account, which is an absurd reason to target a customer. 
Furthermore, after a dispute where I rightfully contested unauthorized charges, Chase Bank has chosen to mismanage the dispute funds. Instead of resolving the matter in a fair and just manner, they have retaliated by closing my account without proper justification. 
To add insult to injury, Chase Bank is now forcefully demanding that I repay {$700.00}, which is a refund I had already received from a merchant. This demand is not only unreasonable but also constitutes a clear case of double charging. 
I have always valued the principles of fairness and transparency in my banking transactions. However, the actions of Chase Bank have betrayed these values and have left me with no choice but to seek intervention from your esteemed agencies. 
I request that the Consumer Financial Protection Bureau and the XXXX XXXX XXXX investigate this matter thoroughly. I am prepared to provide all necessary documentation and correspondence related to this issue. 
Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution. 
Sincerely, XXXX
Consumer complaint received 2023-08-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc (VA)

This Affirm account is not mine and was reported on my credit i understand its closed and paid in full but this is jot my account i have no affirm account that was opened on XX/XX/2023 or with the balance of {$260.00}. I disputed the amount and it was confirmed it was correct i have proof of my account and whats on it and this doesnt go with my credit at all.
Consumer complaint received 2018-03-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc. (TX)

Received an alert from consumer credit monitoring service that a collection account had been placed on my XXXX credit file. Debt had previously been disputed and removed because the Original Creditor and their previous collection company had both violated the bonding requirement prescribed by Texas Finance Code Section 392.101 by attempting to  collect on a debt in Texas without having a Surety Bond on file with the Texas Secretary of State. Original Creditor has again violated the same Texas laws and also specifically by violating Tex. Fin. C. 392.304. Violations of the Texas debt collection act are per se violations of the Texas Deceptive Trade Practices Act. Tex. Fin. C. 392.404. D.T.P.A. damages for violations of the Texas debt collection act are not limited to economic damages but encompass all actual damages, without regard to whether the conduct of the defendant was committed intentionally. Tex. Bus. Com. C. 17.50 ( h ). The Texas act also applies to first-party creditors, that is, entities attempting to collect their own debts. Tex.Fin. C. 392.001 ( 6 ) ; Tex. Fin. C. 392.301, 392.302, 392.303. The Texas act also allows for injunctive relief. Tex. Fin. C. 392.403 ( a ) ( 1 ) ( A person may sue for injunctive relief to prevent or  restrain a violation of this chapter. ) Both creditor and the new collection agency failed to give any notice of the debt prior to placing the item on my consumer credit file. The Original Creditor has lost its right to collect on this debt because they previously violated Texas Consumer Protection laws and are deceptively causing the consumer to lose rights by transferring/selling the debt to another collector.
Consumer complaint received 2023-05-08
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)

On XX/XX/XXXX a fraudulent hard inquiry appeared on my Equifax credit report. The inquiry appeared as XXXX XXXX XXXX ( All in caps ) Sales Financing. ( XXXX ) XXXX. The first thing did was call the number above XXXX. The number rang and it was a cellular number. Then I called the actual XXXXXXXX XXXX which the correct phone number is XXXX. I disputed this hard inquiry with Equifax and was denied. I called Equifax and spoke with a representative " she stated to file a police report to get the hard inquiry removed. The police representative said to dispute with Equifax because the phone number on the hard inquiry isn't XXXX XXXX phone number. I called Equifax and spoke with a supervisior name XXXX on XX/XX/XXXX @ XXXX ; XXXX. XXXX advised to go to the FTC.gov website to file a report. 
When the real XXXXXXXX XXXX is added to a hard inquiry on your credit report it reads '' XXXX and includes the account name for example - '' XXXX ( Bank ).
Consumer complaint received 2023-05-04
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.
Consumer complaint received 2024-03-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Specialized Loan Servicing Holdings LLC (OH)

We have 3 mortgages with Specialized Loan Servicing and have always had insurance coverage on the properties with no lapse. This information has been submitted to both by our insurance company as well as myself and they continually are sending notification that the documents they have received are incorrect, but none of the correspondence tells you the reason the documents have been rejected the do not tell you want is wrong with them. I myself have uploaded them to mycoverageinfo.com XX/XX/XXXX and XX/XX/XXXX and my insurance company has uploaded them on XX/XX/XXXX and XX/XX/XXXX and emailed them. you are unable to contact them by phone you get into a round XXXX of a phone tree and there is never a customer service representative available. When you are able to speak to someone, and they finally are able to tell you the error, I submitted the requested information and again it is not accepted. They have now purchased force placed insurance in all 3 of my properties, which has caused my mortgage payment to go up, because my escrow is short. Dealing with SLS has been one of the most difficult things. We own several properties and have never had such an issue with any other lender.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Hello I am a victim if identity theft and Ive disputed these items min the past with no resolution Im asking that this information be delelted from my credit report because it does not reflect my true credit worthiness!! And its false XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XX/XX/XXXX Balance {$60.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$16000.00} XXXX XXXX XXXX XX/XX/XXXX Balance {$100.00} XXXX XXXX XXXX XX/XX/XXXX Balance {$2200.00} XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$2300.00} Inquires XXXX XXXX Inquiry date XXXX XXXX, XXXX
Consumer complaint received 2023-08-16
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: STATE EMPLOYEES CREDIT UNION (NC)

This complaint is for STATE EMPLOYEES CRED, I sent them a letter regarding the inaccuracies in my report such as amounts reported like the balance, date opened, date reported, payment status, etc. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, 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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-23
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX You are In Direct Violation of The Fair Credit Reporting Act XXXX XXXX  Account # XXXX has violated several of my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 : A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plans as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-05-23
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. (CA)

In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : DISMSD/CLSD XXXX : Bankruptcy Reference Number XXXX 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 this item 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.