davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-12
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 (NY)

I disputed this Ashley XXXX  account from Ashely Furniture XXXX XXXX  more than two months ago with Synchrony Bank, and it was cleared off my credit report to a XXXX balance which is what is should be. I purchased a mattress from Ashely Furniture on XX/XX/2022. The mattress was and became deemed defective by Ashley 's Furniture  Corporate office in XXXXXXXX XXXX XXXXn XXXX of XXXX. Ashely Furniture then in XX/XX/2022 sent me a new Exchange order to replace the defective mattress. There mattress people came into my place with a new mattress " Had me sign for the new mattress and then left with the new mattress '', they never even took the defective more than 2 inch deep hole mattress back Ashely Furniture  already deemed defective themselves. The mattress was no good, it sinks and it just defective! I know longer want to do business with Ashely Furniture Store. My account was current and paid in full via XXXX up until XXXX when a balance was then added back which should not be to my credit report, my balance was XXXX for the last few months and account was paid in full.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (FL)

I am writing to dispute fraudulent activity on my credit report due to identity theft. Upon reviewing my credit report, I have discovered accounts and transactions that I did not authorize or initiate. It is evident that my personal information has been compromised, and I request your immediate assistance in resolving this matter.
Consumer complaint received 2022-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (CA)

We wrote a check for our rent to an LLC for {$6100.00}. Someone got a hold of the check and added payable to an individual name on the check ( LLC name or Individual name ). Wells Fargo Bank in XXXX XXXX California cashed the check on XX/XX/2022. We were told it takes 120 days for us to get our money back. It is now five and a half months later and we still have not received our money. Every time we call the claim representative says we are still waiting for the branch to return the funds. Wells Fargo should not have allowed a check that shows two names payable to and LLC name or Individual 's name clear the account. The history on our account shows the checks were always written to the LLC. 

Claim # XXXX Complaint # XXXX
Consumer complaint received 2022-12-12
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: NAVY FEDERAL CREDIT UNION (IN)

In accordance with the fair credit Reporting act Navy Federal XXXX XXXX XXXXXXXX, has violated 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 a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-10-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc (FL)

the bank i use is chime the accounts i had where checking/savings and a secured credit card which i was using to build my credit the majority of charges were made with the credit card totaling XXXX and a few XXXX on the checking debit card i had {$6000.00} in my account on XX/XX/2023 i was robbed. my cellphone and wallet was stolen and XXXX XXXX XXXX XXXX XXXX XXXX  where i have hospital records showing i was XXXX XXXX XXXX  at the time of these charges. also i have a police report for the robbery. 

when my girlfriend picked me up from the hospital i used her phone to quickly turn off the cards but over {$3000.00} was already stolen. when i tried disputing the charges i was immediately denied. i didn't have the supporting documents at that time. so i got the detective working on the case to provide me his badge number and the case number and i provided that to chime as well as the hospital records showing that i was admitted during the time of the illegal transactions. 

that money i was saving up to move and i was supposed to move a couple weeks later on XX/XX/XXXX but now i cant and am being evicted so i am about to be homeless i don't know what i am supposed to do i have a police report of the theft and hospital records showing XXXX XXXX XXXX during the time of these charges which were done at major retailers like XXXX and XXXX XXXX where i know there are cameras to show i didn't make these charges. i didn't give anyone my pin this was a credit card that just has to be swiped. so im a victim of criminal fraud with supporting documentation and im still being denied please please please someone help me i am literally going to be homeless in a couple weeks because i cant pay my rent and i was already at the end of my lease at my current apartment and was going to pay first last and security at my new place XX/XX/XXXX so i am being evicted and i am going to be homeless please tell me why i am not FDIC insured against this type of clearcut fraud i did nothing wrong here i am a victim and i thought banks were supposed to help you in these circumstances the case number from XXXX XXXX police department investigating the case is : XXXX the detectives name is XXXX XXXX and his number is XXXX please help me my name is XXXX XXXX XXXX XXXX chime bank account number XXXX
Consumer complaint received 2024-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BMO Bank, N.A. (AZ)

I was defrauded of between {$75000.00} to {$90000.00} over the space of 2 months by an apparent corrupt employee of XXXX. On several dates in XX/XX/year> through XX/XX/year> in a successful attempt to confuse me, the male employee transferred money back and forth between my XXXX XXXX account, XXXX XXXX. and XXXX XXXX accounts. The individual told me it was illegal to discuss with anyone that my identity had been stolen, when asked for a badge number the individual said he was a certified identity theft technician, certified by XXXX. The individual said that they counted XXXX red flags of attempts to access my retirement accounts and that to protect my funds XXXX was setting up an account to transfer my funds into. I have opened complaints with XXXX XXXX Arizona XXXX department, I have report at XXXX, I filed a complaint with the FBI, I have a Coinbase Case number, I have opened cases with Arizona Attorney General, Arizona XXXX XXXX, Az XXXX of insurance and financial institutions, I have spoke with a lawyer, a friend questions me about why I wanted to sell my gold and I realized that I was being scammed, I sold him my gold anyway and he caused the issuance a cashier 's check which I deposited into my XXXX XXXX account, I had recently opened an account at BMO Bank and requested a {$60000.00} check be issued from XXXX XXXX. When I received the {$60000.00} dollar check I deposited it in BMO Bank. The Back Office Team declared the check to be fraudulent. I had recently written checks in the amount of approximately {$20000.00} to the Tax departments of Arizona, New Mexico and the IRS. ( I have paid electronically via transfers and credit card all the money owed to the Tax departments rendering the checks moot prior to XX/XX/year>. The tellers started yelling at me that that was my fault, I said you know how XXXX corrupt this makes the financial industry appear. I was thrown out of the bank who had called corporate security. I was notified by XXXX XXXX XXXX department that they had been authorized to issue a check for {$41000.00} and that once BMO Bank lifted it's hold which it would do on XX/XX/year>, I would be able to request a check for the balance. After XX/XX/year> I tried again to get a check issued in the amount of the remaining balance at XXXX XXXX and close the accounts, I was told it was out of their hands and that I would never be paid the {$20000.00}. This unethical systematic abuse continues, as I have received a letter from XXXX XXXX stating that my accounts will closed on XX/XX/year> and the {$21000.00} balance will be seized. I have not received approximately {$1600.00} balance from XXXX Bank, nor have received my money from XXXX XXXX. I have supporting documents
Consumer complaint received 2023-07-26
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. (NV)

When I investigated my credit report, I realized that some of the information was erroneous. The Equifax and XXXX credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-03
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. (LA)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-02-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX I faxed a complaint to XXXX XXXX  due to late payments reported on my credit report while I was on a COVID forbearance program, as my wife had contracted XXXX  twice in XXXX and was hospitalized, causing a loss of income and increased medical expenses. I included copies of the mortgage statements that they had sent to me during this period of negative reporting, which clearly state on the statement that You are currently on a COVID-19 Forbearance Plan. See additional information related to COVID-19 Forbearance Notice on page 2. The same statements further state : " IMPORTANT COVID-19 FORBEARANCE NOTICE : You are currently on a COVID-19 Forbearance plan. Please note that the billing statement shows the Amount Due, which is the contractual amount needed to bring the loan current, however, you are not required to make any payments during the COVID-19 forbearance period. In addition, your account will not be assessed late charges, receive adverse credit reporting and there will be no foreclosure action during the COVID-19 forbearance period. Please refer to your COVID-19 Forbearance plan letter or visit your account online for more details. '' However, their response was that while the statements indicated the active forbearance there were other letters sent advising that the forbearance was expiring. However, I extended the covid forbearance and they don't have any documentation stating the forbearance expired or was extended, even though they continued it for a period thereafter. 
Furthermore, when I asked for reinstatement options they referred me to the State of Texas website which indicated that my income was too " high '' for any programs and I had to come up with twenty four months of payments in one lump sum to avoid foreclosure. I paid over {$29000.00} to keep my house after being on a government backed forbearance program. How did anyone expect to pay all the months that were deferred in one lump sum payment? Also, during the forbearance period XXXX would not accept partial payments. This was a terrible and frightening experience to have the threat of losing our house after dealing with Covid. I feel XXXX is not supportive of the governments efforts nor the situations that some of their borrowers faced on these unprecedented times. And I would also ask why the government programs could not help all Americans that were on these deferred programs. 
I have been unable to refinance this mortgage or obtain credit due to these marks. It has had an extremely detrimental effect on our lives.
Consumer complaint received 2023-07-03
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. (MS)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2017-07-18
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: I.C. System, Inc. (GA)

NOTICE OF Intent to FILE LAWSUIT To Whom It May Concern : This Letter shall serve as formal notice of my Intent to file a lawsuit against your company, due to your blatant and objectionable disregard of the law.     The FDCPA states you must cease collection activity until you have produced verification of the alleged debt if so requested. As per the FTC, this includes reporting to the credit bureaus, which you obviously have done illegally. It is quite evident that no such proof of this alleged debt exists or you would have provided it in the previous 4 months since it was requested. Also, when an alleged debt is disputed, a notation must be entered on the debtors credit report showing the item as in dispute. Again, this was not done.      Im sure  you are aware of the consequences in violating the Fair Credit Reporting Act and the Fair Debt Collection Practices Act as well as the multiple violations your company is now responsible for. If not, let me point them out for you.     FCR A 1. 623.  Responsibilities of furnishers of information to consumer reporting agencies  [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) Duty to provide notice of dispute .    2. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of inaccurate or unverifiable information.      FDCPA  1. 805 . Communication in connection with debt collection  [ 15USC1692c ] ( c ) Ceasing Communication 2. 809. Validation of debts [ 15 USC 1692g ] As per the FDCPA : 813. Civil liability [ 15 USC 1692k ] ( a ) Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this title with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} If you wish to resolve this matter, this will be your last opportunity to do so. The foll owing items must be deleted from my credit files with the  XXXX  major credit reporting bureaus  (   XXXX ,  XXXX ,  XXXX   XXXX  and ) within 72 hours or by  XXXX   XXXX ,  2017  and you forward a Letter to me via email stating they have been removed and will not reappear on my credit reports again by you or another collection agency.     Please be aware if these accounts are not deleted by   XXXX   XXXX   ,2017 , I will be filing a lawsuit for multiple violations of the Fair Credit Reporting Act and The Fair Debt Collection Practices Act. I will be seeking civil liability in the amount of {$1000.00} per violation. Please also be aware I will file a formal complaint with the Federal Trade Commission, The Georgia State Attorney General, The and the Better Business Bureau. Thank you and I look forward to resolving this most expeditiously.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IN)

Experian and XXXX ( Headquarters out of Florida ) .. are reporting low score or wrong information!! 
I've seen credit denials from Experian for car loans at a XXXX XXXX XXXX and reporting a XXXX XXXX XXXX that's never been apart of my score! 

Clarity has me currently at a XXXX XXXX of XXXX ... so what's really happening plus deceased and a bank attacked that hasn't or zero XXXX roots but only out of state. I never living in another state longer than one month or less. 

I will enclose evidence of score
Consumer complaint received 2022-12-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

1. On XX/XX/2022 I received an email from Bank of America that I will be receiving a replacement credit card ending in XXXX for my card that will soon expire. 
2. On XXXX XXXX, 2022 I received a text from BofA, while at work, asking if I made a purchase for {$1000.00} from XXXX XXXX XXXX I replied NO. I also verified if this was a legitimate text message and checked my BofA mobile app. 
3. I immediately contacted BofA via phone and talked to customer service. At that time I have not realized that the replacement card they sent me via XXXX was stolen. When asked I honestly told them that I still have the card with me. Person did not asked if I received the replacement card which I have not. He had the XXXX card deactivated and said they'll send a 2nd replacement card. Numerous calls made and I found out that the replacement card is already activated when shipped. Previous cards I received from them has a sticker that says call this number to acrivate card. 
4. I received an email stating that I'll receive a card with a new account number and this time with a tracking number. I received 2nd replacement card via XXXX XXXX XXXX XXXX. 
5. On the 2nd replacement cards I received it have stickers that says " Ready for use ''. 
6. I regularly call BofA fraud claim, I told them that I did not made the purchase in XXXX store on XX/XX/2022. I did not authorize anyone to use it on that day. 
7. I received an email from Bof A on XX/XX/2022. It says it rejected my claim and I'm on the accountable for the purchase since it was made using my card, pin was entered and signature made. 
8. On my credit cards with BofA I'm not required to enter a pin, sign or show my identification when making purchase. 
9 As of today I have not received the 1st replacement credit card.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (TX)

" Someone and some financial agencies are trying to access my credit data. I am reaching out to kindly request the processing of my opt-out request as soon as possible with XXXX XXXX XXXX Please prioritize this matter for prompt action. I have tried to email them, at Innovis Consumer Assistance XXXX XXXX XXXX XXXX, GA XXXX But I am not getting any response or completion of my request. I have also submitted the Innovis Credit Report Request Online form and NO SUCCESS.

"
Consumer complaint received 2024-06-18
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On XX/XX/XXXX, I tried to use one of my Citizens credit cards to make a purchase online, but was blocked by a pop-up claiming that I needed to confirm a code that was sent to my mobile number. I do not have a mobile number. The number pre-filled ( or at least the last XXXX digits that were showing ) is my landline number ( the only phone number I have ). I tried to proceed, but did not get a call. I called Citizens and the representative I spoke with was clueless. She put me on hold to try to figure out what to do, but she took far too long, and the item I was trying to purchase sold out while I was waiting. Most online purchases I make ( and nearly all purchases I make with my Citizens cards ) are limited edition items that sell out very quickly. There simply is not time to call, wait on hold, and then deal with a representative, even if that representative is knowledgeable and gets the block removed quickly ( which again, was not the case this time ). In the past, I have been blocked by similar things that allow either a voice call and/or an e-mail to confirm, but it seems that is no longer the case. I messaged " XXXX '' from Citizens through their officiaXXXX XXXX  page, but she was of no assistance besides telling me to call and speak to someone if it happens again, which, of course, is the whole problem. I feel that this practice is discriminatory against those without cell phones, and that other verification options should be provided, as they have been in the past.
Consumer complaint received 2022-12-12
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. (PA)

In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and XXXX  Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts Dept of Ed XXXX XXXX XXXX XXXX  # XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX  Bankruptcy # XXXX XXXX XXXX Account # with held for 3 accounts totaling {$84000.00} 15 USC 1681 section 602 A states I have a right to privacy .

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

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the Information is inaccurate