davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Whom

It May Concern : This is my second time writing you to update my personal information. 15 USC 1681 ( a ) ( 4 ) There
is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX, XXXX, XXXX Sincerely XXXX XXXX
Consumer complaint received 2022-11-02
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. (IL)

i filed a cfpb complaint against Equifax on XX/XX/2022 the complaint number is XXXX it has been well over the amount of days allowed by law.
Consumer complaint received 2022-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I submitted a dispute on XX/XX/2022 for 2 fraudulent accounts reporting on my credit file. It has been well over 30 days and there has been no result of the dispute submitted. This is a violation of my rights under the FCRA. The following accounts need to be removed from my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of the dispute submitted for your viewing
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

Please take a look at the attached letters and ID docs for verification that it is I 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 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

On XX/XX/2023 I received a copy of my credit report from XXXX, Equifax and XXXX. After receiving my report, I noticed that there were inaccuracies on some of my accounts. I sent letters to XXXX, Equifax and XXXX on XX/XX/2023 asking them to investigate the accounts and ensure that they are 100 % accurate ( see attached documents for tracking numbers and letters ). Equifax received my letter on XX/XX/2023 at XXXX. XXXX received my letter on XX/XX/2023 at XXXX. XXXX received my letter on XX/XX/2023 at XXXX. I received letters back from Equifax and XXXX showing that they had completed their investigations into the accounts. I did not receive a letter back from XXXX. I received a new copy of my credit report from XXXX, Equifax and XXXX on XX/XX/2023. This is 30 days after my letters were received. Upon looking at my reports, I noticed that there were still inaccuracies. 

On XX/XX/2023 I submitted a complaint to the CFPB about the inaccuracies. Experian Complaint ID is XXXX. Equifax XXXX ID is XXXX. XXXX Complaint ID is XXXX. XXXX Responded on XX/XX/2023. Equifax Responded on XX/XX/2023. XXXX Responded on On XX/XX/2023 I pulled new copies of my credit reports AND THERE ARE STILL INACCURACIES. This will be my THIRD TIME trying to resolve these issues. I do not understand why I am being pushed around by the credit bureaus. I do not understand how the credit Bureaus are able to tell me that ALL INFORMATION IS CORRECT, but report completely different information! This is my last time trying to resolve this issue before seeking financial compensation FOR EACH INACCURACY. 

According to the FCRA a credit reporting agency 's role in a dispute is to review accuracy and completeness of any disputed item. PLEASE EXPLAIN WHY THERE ARE STILL INACCURACIES BEING REPORTED IF YOU ACTUALLY REVIEWED MY DISPUTE! 

On Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX and Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX, everything is wrong! This one really takes the cake you guys. Please don't make me dispute this again. Look at it. You know you are wrong and it is really insulting to tell me that it is accurate. Give me a break. First the same account is being reported as two completely different accounts. Equifax, you barely have no information at all. XXXX, you have some more information, but its all completely different than what equifax has. If you do nothing to resolve this, I'm going to know that your dispute investigations are bogus and I'm getting a lawyer because this is ridiculous. LOOK AT IT AND TELL ME IT '' S NOT INACCURATE!
Consumer complaint received 2016-09-18
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Benuck & Rainey, Inc. (NH)

I received correspondence from Benuck & Rainey on XXXX/XXXX/2015 for an outstanding debt of {$130.00} from XXXX XXXX XXXX XXXX. At the time of the services my mom 's insurance paid for all services ; however, the company claimed that I owed {$120.00}, see enclosed. This company has been harassing mean while I am in school and keeps threatening me if I do n't pay this debt. I am only XXXX XXXX XXXX and I do n't know what to do, so they told me to pay them {$130.00} or else I would have bad credit and would not be able to get student loans for college. I was forced to pay them from my summer 's savings as I was afraid that this matter would jeopardize me starting my next semester of college which would start in just a few weeks. 

No sooner that I had paid this bill, I received another bill from them, this time for {$410.00}. ( see attached ). I was again very surprised and started crying because I do n't know what to do. When I went back to look at my past statements from XXXX XXXX, it showed that I owed only {$94.00}, but again, my mom 's insurance pays for everything. 

I keep receiving phone calls from this company everyday, even when I am in class or out on the field practicing demanding that I pay this {$410.00} that I do n't owe. Despite asking them for proof that I owe them this money, they continue to harass me, they 've even called my other while she is at work, even though I never gave them permission to call her.
Consumer complaint received 2023-07-14
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (CA)

On XX/XX/XXXXat XXXXXXXX XXXX, the Amazon delivery person arrived at my house to deliver the order XXXX. When he handed it to me, the box is damaged and the driver made some weird comment about the product I purchased. I didn't pay attention to it but receiving the damaged box because I was on an online meeting. When I opened the box around 5 minutes later, it's an total empty box full with brown papers. 
I contacted Amazon customer service right away, the next day, XX/XX/XXXX, I received an email from Amazon 's team saying that the package showed delivered, so the only way for me to start the process of getting refunds is to provide a completed police report. Amazon never provide more details but make the assumption base on what shows on the tracking, despite I received an empty box. 

I contacted Synchrony, Amazon store card issuer, on XX/XX/XXXX when the transaction posted on my account. I received an letter from the bank on XX/XX/XXXX stating during the reviewing process, a temp credit will be providing. However, I've contacted Synchrony five times since, and they all confirmed that the dispute is under reviewing but the temp credit has not in my account for some reasons they couldn't answers. 

I've provided every evidence including official police report ( XXXX ), as well as all email communications Amazon and I had in which Amazon stated that the refund will issues once I provided official police report, which I did on XX/XX/XXXX. 

The order details : AMAZON XXXX XXXXXXXX XXXX  XXXX EQUAL MONTHLY PAYMENTS 0 % XXXX XXXX XXXX XXXX XXXX XXXX XXXX SHIPPING AND TAX XX/XX/2023 {$4200.00}
Consumer complaint received 2024-03-26
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)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters
Consumer complaint received 2023-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 2023-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NY)

In XXXX of 2016 Citibank mailed an unrequested credit card to an unsecured mailbox, located at an address I was no longer occupying. This card, which was issued in my name, was stolen and activated by an unknown person. During a period from XXXX to XXXX of 2016, numerous fraudulent charges were made to this card. These charges were added to my credit card balance. I never had possession of this card. 

I was paying off a previous balance on this Citibank account, but had not made any new charges to it for many years. Because I did not to my knowledge have an active card with Citibank, I did not notice the fraudulent charges. When I became aware that the card existed and had been stolen, I immediately informed Citibank of the fraud. The account was frozen. 

The customer service representative at Citibank told me that the charges would be investigated, and that Citibank had policies in place that protected consumers against fraud. Meanwhile, the charges were not removed, with the exception of two items equaling about {$65.00} combined. The interest on the fraudulent charges continued to accumulate. 

I have contacted Citibank repeatedly since I reported the crime, and also mailed a letter to Citibanks credit card fraud investigation department. I have never received a response to my inquiries. Citibank never notified me of a resolution of this case or gave me any information on the purported investigation. Each time I called, the representative only said that the matter was still under investigation. 

Some of the charges were made to out-of-state entities, which means that the identity thief purchased goods or services via the U.S. Postal Service, a parcel delivery service, or over the telephone. For these transactions the unknown person likely used his own contact information. I believe that investigation of the details of the fraudulent charges would show that the charges were not made by me. 

The total sum of fraudulent charges made to the account is {$6600.00}. The interest charged during the period in which the card was active reached approximately {$720.00}, and has continued to accrue since then. I make monthly payments to this account. The fraudulent charges have made it extremely difficult to pay off the balance that I legitimately owe. Also, I have no way of knowing whether I have already paid off this amount. 

Thank you.
Consumer complaint received 2024-03-26
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: EQUIFAX, INC. (GA)

This bankruptcy report has been reporting inaccurately and is ruining my life. The name, the courthouse, the file number, the date : these are all inaccurate and must therefore must be removed from my report. Please help me and get this item off my file.
Consumer complaint received 2023-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America is in violation of two Federal laws in regards to a charged off credit card : XXXX. The debt is alleged. 15 U.S. Code 1692a ( 5 ) : The term debt means any obligation or alleged obligation of consumer ( me ) to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. 

XXXX. I don't have liability for the credit card debt. 15 U.S. Code 1692g ( c ) : The failure of consumer ( me ) to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by consumer. 

In addition, per contract law, credit cards are NOT negotiable instruments, which means they can not be sold or transferred, yet Bank of America did sell/transfer the credit card to multiple debt collectors.
Consumer complaint received 2023-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IN)

I am writing to bring to your attention a concerning issue regarding unauthorized ATM withdrawals from my bank account, as well as the subsequent denial of my claim by Chase Bank. I kindly request your assistance in resolving this matter and seeking a fair resolution. 

On XX/XX/XXXX, I discovered several unauthorized ATM withdrawals totaling {$4200.00} from my bank account. These withdrawals were made in increments of {$200.00}, which is not consistent with my banking habits. Recognizing this as fraudulent activity, I immediately reported the incident to the fraud department at Chase Bank, who assured me that the money would be reimbursed pending an investigation. 

To my surprise, on XX/XX/XXXX, I noticed that the bank had deducted the reimbursed amount of {$4200.00} from my account without any prior notification or explanation. I reached out to the bank to seek clarification and was informed that my claim had been denied. However, despite my repeated requests, the bank representatives refused to provide me with a clear reason for the denial, leaving me in a state of confusion and frustration. 

As a loyal customer of Chase Bank for several years, I have always maintained a responsible approach to my banking activities. I have promptly reported any suspicious transactions in the past and have diligently followed the necessary procedures outlined by the bank. However, the current handling of my case has left me feeling unheard and unfairly treated. 

I believe that it is my right as a consumer to receive a thorough explanation regarding the denial of my claim. I request the Consumer Financial Protection Bureaus intervention in this matter to ensure that justice is served, and I am provided with a clear understanding of the banks decision. I also seek your assistance in facilitating a fair and unbiased review of my case.
Consumer complaint received 2023-07-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My account was put on restriction over a month ago and I was told that it was due to suspicious activity. About a week or so later I called and I was told that my account was CLOSED, however I have no received my money which is still inaccessible and I need my money. Its been over a month but no one can give me answers.
Consumer complaint received 2023-07-14
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: General Motors Financial Company, Inc. (NY)

I DID NOT SIGN ANY AGREEMENT THAT GM FINANCIAL COULD FURNSH MY PERSONAL INFORMATION TO ANY COMPANY, WHICH IS A VIOLATION OF 15 USC 6821A. THIS IS AN ADVERSE ACTION AND IDENTITY THEFT. THIS IS ALSO A CLEAR VIOLATION 15 USC 1681B ( 2 ). THE REPORT OF 2 ALLEGED LATE PAYMENTS TO MY ACCOUNT XXXX IS NOT VERIFIED, WHICH IS A CLEAR VIOLATION OF 15 USC 1681A ( 4 ). THE INFORMATION PROVIDED TO THE CONSUMER REPORTING AGENCIES OF LATE PAYMENTS ARE INACCURATE AND A DEFAMATION OF MY CHARACTER, WHICH IS VIOLATING 15 USC 1681E ( B ) AND 15 USC 6821A ( 2 ). THIS INCORRECT REPORTING IS CAUSING DENIALS WHENEVER I'M TRYING TO EXTEND MY CREDIT FOR PERSONAL, FAMILY AND HOUSEHOLD USE.
Consumer complaint received 2023-07-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

Company : XXXX. for XXXX. XXXX, XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) : [ XXXX, XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX They reported a debt I never owed on my credit report I never owed. 
The company never gave a validation of the actual accounting of the debt, proving that the company will sustain an actual loss if the debt goesunpaid. 
The company never provided the identity of the original creditor.
Consumer complaint received 2023-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (GA)

On XX/XX/XXXX I mailed two different money orders for two different accounts to them for my XXXX payments. On Saturday, XX/XX/XXXX, I received both money orders in the mail. SYNCHRONY stated that they did not know whose account to credit the payments to. I am so confused. When mailing my payments to them, I included a copy of each SYNCHRONY statement, a money order, with my name, mailing address and the last four digits of my credit card. My payments had been mailed to them well in advance of the due date. Because SYNCHRONY was unable to process the money orders, one account is showing past due. They texted me that my account was past due. I am also being charged a {$30.00} late fee. I think SYNCHRONY is intentionally returning payments, misapplying payments so that they can collect late fees. 

Last year in XX/XX/XXXX SYNCHRONY stated that they never received my XX/XX/XXXX payment for one of my accounts and as a result my account was past due. I had to pay XXXX XXXX {$15.00} to get a copy of the money order. SYNCHRONY cashed the money order. I do not know whose account they credited but it wasnt mine. After sending them a copy of the cashed money order, they finally corrected my account. BUT they also charged me an additional late fee of {$60.00}. Because of their mistake, I was out of pocket an additional {$75.00} ( the {$60.00} late fee + the {$15.00} to XXXX XXXX ). 

Because of SYNCHRONY 's mistake, I will owe them {$90.00} in late fees. But this amount is expected to increase as I am sure they will charge me an additional {$30.00} late fee for my second account.
Consumer complaint received 2022-11-02
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. (SC)

XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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
Consumer complaint received 2023-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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 2022-11-02
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: EQUIFAX, INC. (GA)

I have contacted the company and sent over copies of the FTC identity theft report, the police report that was opened, a copy of my credit report with the items that were fraudulently reported highlighted. When submitted they immediately ( within 24 hours ) closed the items and did not remove stating that they were valid -- although it is clear that no investigation had occurred. Their website is designed such that it will not allow the user to submit documents such as police reports ( it conveniently times out when this option is selected ). I sent the documents in via registered mail, and they stated that the investigation still had not found anything wrong and that I needed to send in a police report, ftc report, etc ( the items which I had already sent in ). I called their customer service line and it was picked up by a help center in XXXX, and the representative indicated that the items received were not in the proper format -- but was unable to indicate what the correct format would be. These same documents were accepted by other credit reporting institutions and financial institutions as being substantially adequate to find in my favor in investigating the identity theft that I have been victim of.