davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-11
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: TD BANK US HOLDING COMPANY (NC)

Subject : Urgent : Request for Expedited Reopening and Processing of Dispute - Scam and False Advertisement Target RedCard Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mastercard Customer Service Dear Target RedCard Services and Mastercard, I hope this message finds you well. I am writing to bring to your attention a matter of utmost urgency regarding a dispute that requires immediate resolution. I have been a victim of a scam involving the purchase of replica and unauthentic items, accompanied by false advertising.

Details of the dispute are as follow

s : 1. Unauthorized Items and False Advertisement : I recently made a purchase, and upon receipt of the items, it became evident that they were replica and unauthentic, deviating significantly from the description provided in the advertisements. 2. Contact with XXXX Authorities : To address this issue promptly, I have already contacted the XXXX authorities to report the fraudulent activities and seek their assistance in investigating the matter. 

3. Failed Attempts to Resolve with Merchant : Despite my attempts to contact the merchant for a resolution and return of the items, I have received no response. Their lack of communication and refusal to address the issue further necessitate your intervention. 

4. Providing Supporting Evidence : Attached to this email, you will find comprehensive evidence supporting my claim, including photographs of the received items, proof of the advertised item descriptions, and documentation highlighting discrepancies in the invoice numbers and items ordered.

5. Confirmation from Authentic Brands : I have also acquired letters from the authentic brands, XXXX and XXXX, confirming that the items I received are indeed not authentic. These documents further solidify the fraudulent nature of the transaction. 

Considering these circumstances, I kindly request that you urgently reopen and expedite the processing of my dispute. The prompt resolution of this matter is crucial, as I am facing financial repercussions due to the fraudulent transaction. 

Your immediate attention to this issue is highly appreciated, and I am confident that, with the evidence provided, you will be able to facilitate the return of funds to my account without undue delay. 

Thank you for your prompt assistance in this matter. I am available for any additional information or clarification you may require. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-29
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: National Credit Systems,Inc. (NY)

Accordance with the fair credit reporting act XXXX account number 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 an account without my written instructions.

15 USC 1666 : A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-04-20
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. (FL)

I have requested from Equifax, XXXX XXXX XXXX XXXX XXXX to verify with method of verification of an collection account on my credit report from " XXXX XXXX XXXX XXXX XXXX XXXX with letters dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. As to this date I have not received from Equifax, XXXX XXXX XXXX XXXX XXXX any proof that this account is correct, I just receive back a letter stating that the account was verified with no proof. I have attached the letters sent to Equifax, XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-12-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (OH)

I opened a checking and savings account on XX/XX/2019 at JPMorgan Chase Bank of North America. I deposited funds into the account, I received documentation, starter checks and all other account performance privileges. I informed the banker opening the account of my previous balance with Chase Bank and asked if there were anything on my consumer report that would preclude me from opening a checking and a savings account. The banker advised me that I passed all metrics to open the account and that I was qualified. 

On XX/XX/2019 I attempted to make a deposit at the local branch and was advised that my account was being closed. 

The banker did not have a reason but did advise me that my account was being closed. 

This resulted in me not being able to access my personal funds, pay bills and transact business. 

I was never advised of any adverse actions in writing by Chase Bank. 

Banks should disclose to consumers if they are eligible for an account prior to opening a account. Consumers rely on banks to be honest and forth coming and to not engage in any unscrupulous or unlawful practices. 

I believe that Chase Bank is engaged in deliberate, defined actions against low income, minority consumers and I am calling for an investigation into their business practices. I do not want other consumers to be subject this type of treatment.
Consumer complaint received 2023-12-07
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I've had my CapitalOne XXXX card for a while now, I've requested my billing statement with voucher as well as the proper mailing address to send the attached statement payment voucher to and have not heard back, my card was also blocked recently following my request to increase the credit limit to {$50000.00} which was not honored. 

additional context and federal case law : I initiated the above consumer credit transaction with my SSN also referenced by congress as a credit card pursuant 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' The purpose of this consumer credit transaction was to obtain a credit card, I was denied access to my open ended credit. As a consumer, natural person, and original creditor I have an open-ended credit plan, it is unlawful to deny me of my own credit. I am requesting that your department reassess my consumer credit transaction/application and approve my application as a denial is unlawful, goes against congressional law and makes your organization civilly liable for non-compliance pursuant 15 USC 1681o , 15 USC 1640, 15 USC 1691e . Further more, pursuant 15 USC 1691 ( a ) Activities constituting discrimination, do so state " It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction '' A denial of my open ended consumer credit constitutes to discrimination. Pursuant 12 USC 1431 Powers and Duties of Banks and Credit Unions have power to borrow money, issue bonds and debentures, therefore you are unable to lend a consumer, natural person, and original creditor anything. I have attached links to congressional law for reference. XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to express my deep dissatisfaction and concern regarding the ongoing issue of fraudulent items persisting despite repeated attempts to remove them. As a customer of Credit Bureaus, I expect transparency, reliability, and prompt action in addressing such matters. 

The persistence of these fraudulent items reflects poorly on Credit Bureaus commitment to combating fraudulent activities and protecting its customers. It is unacceptable that such discrepancies persist despite being brought to your attention multiple times. 

I urge you to take immediate and decisive action to rectify this situation. Specifically, I request the following actions : Conduct a thorough investigation into the root cause of the issue, including any potential vulnerabilities in your systems or processes that may be enabling fraudulent activities to persist. 

Implement robust measures to prevent further occurrences of fraudulent items and ensure the security of customer accounts and data. 

Provide clear and timely communication to affected customers, including updates on the status of investigations and actions taken to address the issue. 

Offer appropriate compensation or restitution to customers who have been adversely affected by the presence of fraudulent items, such as refunds or account credits. 

Review and improve your customer support and complaint resolution procedures to ensure that issues are addressed promptly and effectively in the future. With this, I am asking for your assistance to remove these fraud items in my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was solicited by CapitalOne with whom I have had a multi-year banking relationship for a CapitalOne credit card. I applied for the card, and received a notice asking that I submit a copy of my photoid. They provided a web-site address where the image of the photo-if ( front and back ) could be submitted. I made the submission. I did not hear back from them, though their web-site acknowledged that I had submitted information. When I called to enquire I was told that the format in which I had submitted the photo ID copy was not correct. I asked for a description of what was required -- the agent said that he was not allowed to provide me with that information. I requested that they send me a letter to that effect and he said that was also not possible. I asked to speak with a supervisor. The supervisor said that I needed to use a smartphone to send a copy of my photo ID. I asked the supervisor to provide a letter to that effect. He said that he could not. I then asked when I would be informed that they information which I provided was not adequate. He checked with some department and then told me that they would not be sending me any details saying that what I provided was not adequate but that they would simply wait for the response period to end and then deny my application because I had not provided the requested information. All of this was communicated on a recorded line. I asked for a further escalation and was told that this would not be possible. I then asked the agent if I could record him stating that their intention was to not inform me in writing that the information I provided was inadequate. He told me that I could not record the call -- even though Capital One was recording the call. We ended the call.
Consumer complaint received 2022-09-30
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. (SC)

I sent letters to the credit bureaus on XX/XX/22 and XX/XX/22 about the Heroes Act passed by the government. Per the act, Credit Agencies were not allowed to report negative items during the COVID-19 Pandemic, plus an additional 120 days. The attached accounts violate that act and violate my consumer rights.
Consumer complaint received 2023-06-30
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TOWNEBANK (NC)

Security fraud, Ignoring the power of attorney, Identity theft is taking the promissory note that the P.O.A. gave a signature to and credited that promissory note as it belongs to them. We need to see the actual copy. Please mail it to the power of attorney because it was made pay to the order of TOWNEBANK transferring the interest on the note to TOWNEBANK. Power of Attorney XXXX, XXXX XXXX/ Agent authorizing one party to the interest of one instrument specific and clear to the point so, Identity theft the moment a signature was put on that promissory note it was XXXX XXXX XXXX promissory note and I XXXX, XXXX XXXX / Agent perfect performance of the transfer of the interest in it to the secure party creditor who must credit the face value. Identity theft is stealing the signature and putting that instrument in street name not giving XXXX XXXX XXXX the credit which is the face value of the instrument. They act like they gave consideration, that's what this is all about authorizing one party to the interest of one specific and clear to the point, the moment a signature was put on that promissory note, that was XXXX XXXX XXXX promissory note. I XXXX, XXXX XXXX / Agent did perfect the transfer of the interest in it to the secure party creditor who must credit the face value of the note. XXXX XXXX in XXXX, NC.
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

I opened personal checking accounts in CITI Bank, in XX/XX/2022, then I deposited my clients checks into the account and also ask XXXX to deposit my money into one of the accounts, but all of sudden my bank app didnt show my accounts information then I called the contact us the agent told me your accounts are suspended as of XXXX XXXX and you will get your money that you deposited within 30-60 days. I waited 30 days no checks arrived I called again they said its in process by Fraud Department I asked why thy said you deposited business checks into personal checking and this is against Citi bank policy, I said so this is a mega crime and I have to be punished? No answer or explanation was given to me exempt its against bank policy. I waited 74 days then called again and now they said there is no money in my accounts and I have to contact the clients issuers of the checks and ask them if they can issue another check.

Im writing this complaint because bank treated me like a criminal just for depositing business checks into the personal accounts and no answers for XXXX benefits what happened. 
I like to seek help from you because my numerous contacts with the bank lead me no where with all my deposits and funds that they confirm by mail. 
Please Help, Many thanks in advance, Regards XXXX XXXX
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

On XXXX XXXX is XXXX year date when the New State Statute that antedates of a paid account can not reported on my credit report. All XXXX XXXX personal confirmed that they can not continue to report a paid charge beyond the first date of delinquency that was XXXX XXXX to XX/XX/XXXX XXXX year anniversary. I paid the full balance that resulted in a XXXX balance in accordance to New York State section 380 New York State law ( 380 j ( f ) ( 1 ) ( iv ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Fair Credit Reporting Act380-J - Prohibited Information. ( iv ) accounts placed for collection or charged to profit and loss which antedate the report by more than seven years ; or accounts placed for collection or charged to profit and loss, which have been paid and which antedate the report by more than five years ;
Consumer complaint received 2023-11-01
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. (NY)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I have submitted multiples disputes regarding information Experian has wrongfully reported on my consumer report. It has been more than 30 days and have yet to receive any response or update. Please find the documents attached as I have taken the necessary steps advised to fix this urgent issue.
Consumer complaint received 2021-03-10
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RentDebt Automated Collections, LLC (AZ)

This item is for RentDebt Automated and the original creditor is XXXX XXXX XXXX with a balance of {$3600.00} is inaccurate because by law, I can break a lease agreement. Under the Servicemembers Civil Relief Act, ( 50 App. U.S.C.A. 535 ) a military member who receives orders to move or deploy can break a lease agreement. I gave a 2 ( two ) month notice and provided a copy of my military orders to break my lease. They continued to charge for 3 more months of rent.
Consumer complaint received 2023-05-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Apothaker & Associates, PC (PA)

On XX/XX/2023 my bank account was frozen and levied by Apothaker Scian P.C . I was never notified of lawsuit or debt. I do not believe this XXXX debt is mine. I searched local court records for this judgment and there is no file. I never had a XXXX card and was never informed of this legal action or judgment. I will contact the law firm to gather more information about this judgment to fight it.
Consumer complaint received 2022-12-11
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: ALLY FINANCIAL INC. (FL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, 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 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (GA)

I have attempted to register several times in order to obtain my credit report. The original purpose was to unfreeze my account. There was no place to put in a pin. I tried registering with Experian. It appeared to work but then it would get this message " We have encountered an irrecoverable system error. Please note that your order has been canceled. Sorry about the inconvenience.Call us toll-free at XXXX '' I tried multiple time to get it to work. I called XX/XX/XXXX and 5th multiple times. It is just an automated response. You got around in circles until they hang up on you. I ask to talk to a representative it just circles through the menus. It will not understand " SYSTEM ERROR ''. It will not connect you to a human. It gives you a choice of automated reply or end the call. I chose automated reply and it hung up on me. There needs to be a better way to resolve this issue. 
I called XXXX and XXXX XXXX XXXX both gave the same results. How am I to verify my account? I was able to unfreeze my account over the phone. 
This credit bureau has always been an issue and the one I have had more difficulty when trying to obtain my credit report. I have not had this issue with the other credit bureaus.