davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX, I requested my free annual credit reports from all three credit bureaus through XXXX. However, I only received reports from XXXX and XXXX. Equifax would not show my credit report from them unless I sent sensitive personal information, such as my Social Security number, by mail as proof of my identity. In the next couple of days, I called Equifax instead to try and verify my identity there. But after 20 minutes of answering the representative 's questions, they apparently still couldn't verify my information. 

I tried requesting credit reports from all three bureaus again on XX/XX/XXXX. Again, I received reports from XXXX and XXXX, but not from Equifax. 

There should be no problems in confirming my identity and sending my credit reports to me like XXXX and XXXX. But Equifax never seems to be able to confirm my identity no matter what I do.
Consumer complaint received 2022-07-22
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, account XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Consumer complaint received 2020-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION (TN)

Ive been waiting on a resolution for a dispute that I submitted to Simple ( BBVA ) through the Simple app on XXXX. I was told if I had more information that would change the resolution of this dispute to send it to XXXX XXXX XXXX  with my name as the subject and that would allow me to file a new dispute for these transactions. I have sent in information on XXXX, the same day I received that support message. I have not been able to file a new dispute because it shows that these transactions are still listed with the initial dispute claim and shows a status of in review not closed as I was told in the support message on XXXX. It was my understanding that if a dispute could not be resolved within 10 business days, a provisional credit would be provided. In fact that is a requirement by the Federal Deposit Insurance Corporation under Regulation E. I have saved a  PDF of that review status and a screenshot of the status with an atomic clock and calendar, just so I will have documentation with a date the dispute status documentation was accessed and saved. 

Part of the reasoning for the denial, was because I didnt dispute credited I received from the merchant ... well that is because NO CREDITS FROM THE MERCHANT SHOW ON THE ACCOUNTHOLDER SIDE OF THE BANKS WEBSITE OR APP, so what would I be disputing? That there isnt a record showing of a transaction that 1 ) didnt make 2 ) absolutely no knowledge of 3 ) was unaware of the merchant before doing some research to find that XXXX  was XXXX, whom I am not even approved for an account with as shown in the documentation I sent to XXXX XXXX XXXX as requested. 

Im getting alerts that my account will be closed due to the negative balance, but that is directly related to this dispute. My account would be in good standing if there was some sort of fraud protection. However, like many others, it seems like the only way to handle disputes when Simple decides not to follow their own account agreements and has not made any communication, the only way to get something done is to contact the CFPB or another agency that will assist consumers with complaints.
Consumer complaint received 2020-08-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (OH)

THIS WILL BE MY LAST ATTEMPT TO HAVE THIS DEBT VERIFIED. IF THIS DEBT IS NOT VERIFIED, I WILL BE CONTACTING MY ATTORNEY. 

I have an unverified account from XXXX XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that  XXXX XXXX/XXXX XXXX provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs,  including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX/XXXX XXXX. Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2020-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Request three credit bureaus to remove/delete deragoratory credit information from XXXX XXXX and two XXXX XXXX XXXX   accounts based upon Federal Truth in credit reporting act from FTC with supporting papers of prior and current disputes in court and medical defense as treated like absentee and manipulation done in bad faith. Letter Attached of complaints.
Consumer complaint received 2020-08-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

How are you doing? Can you please help me? During this Covid-19 I  been reviewing my credit report, and I was shocked when I reviewed my credit report and found late payment on the dates below XX/XX/XXXX - XX/XX/XXXX for 30-60 days late. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE (NJ)

To Whom It May Concern, I receive a letter from Barclays in the mail regarding a credit card application is open. I did not apply for a credit card call Frontier Airlines Credit Card. The consumer reporting agency as XXXX. 

Daye XX/XX/20 Application # XXXX
Consumer complaint received 2022-07-22
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. (VA)

I submitted a complaint over a month ago with you ( see complaint # XXXX ) as reference. 

I received a letter from TransUnion Credit, dated XX/XX/2022, as a response to my complaint, providing showing the same incorrect information ( e.g., incorrect names and accounts associated with those names ). 

It seems that in TransUnion 's haste to comply in the time allowed to respond to the original CFPB submitted in XXXX of 2022, they are responding without correcting the initial complaint ( s ) submitted in the first place. 

Please request that they carefully review and remove all incorrect information that is no-applicable to me.
Consumer complaint received 2020-08-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MI)

This is the third time I have asked Home Shopping Network ( HSN ) for an arbitration meeting. I believe that I have paid them enough to be at a XXXX balance. My contract asks that I not sue them, but go through arbitration. I have requested that and a audit of my charges and payments over the last now two and a half years. There was a XXXX XXXX phone that was paid for by XXXX, because it was missing. HSN claims they are not over charging me, but I have paid the on time for the last three years and my balance is on {$100.00} dollars less than it was in 2018.
Consumer complaint received 2023-05-15
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. (NC)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2020-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portaXXXX. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2020-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2023-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (AZ)

Around XX/XX/XXXX, I decided to apply for a XXXX credit card with chase because XXXX annual fees are too high... I applied online via chase website and it acknowledged my application and it was pending. I went and took the freeze of my XXXX and XXXX XXXX credit file for a couple of weeks. I received a letter from chase wanting me to call this number : XXXX to verify it was me applying for the credit card. I called and I talked to a representative who asked me some verification questions and I answered the correctly. I kept calling to get the status of the card because on XX/XX/2023 JP Morgan ran my credit at the time it was XXXX and I received the alerts when it happened. I get another letter in the mail in XXXX same thing to verify who I am, I call them same number again they asked 2-3 questions the same as last time and I'm saying to the representative why is it talking so long to get a decision? He said, " I don't know but it's still processing and I hope they will approve it for you ''. I told him thank you. 

XXXX rolls around still nothing from chase in the mail nor email now I am XXXX because they ran my credit and I have no knowledge if I am getting a card or not. It don't take months to make a decision about a credit card. We are now in XXXX I get a letter from chase saying my credit is frozen and I need to call the XXXX number within 15 days or they would close the application. At this point I was still livid and thought to myself I dodged a bullet they are showing me that one : 1. ) They do bad business and 2. ) Not to do business with bad banks. I did not call but I am reporting due to the dip in my credit score it went from XXXX to XXXX I did not get denied for the credit card or approved it's in limbo but has know tarnished my credit.
Consumer complaint received 2020-08-15
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY (FL)

I had been disputing with American Express some purchases I do not recognize as mine. I asked the company to send me a detailed report showing all purchases reported in my balance I never received it. The response received was unsatisfactory and does not resolve the issue. I don't understand why CFPB close the dispute without me, the prejudiced part, receive a reasonable solution of it. I add here the letter the company placed as a response, which did not solve the issue
Consumer complaint received 2020-08-15
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: Experian Information Solutions Inc. (FL)

Hello. I have an account on my report. The name is XXXX It states that was opened in XX/XX/XXXX I keep trying to dispute this account due to erroneous information on it ( dates, amount, status, last activity ) and have no luck with the credit bureaus. My requests are coming back updated! I believe that computer system that they have is trying to take information from another bureaus, but it doesn't make it truthful. 
This account shows last payment in XX/XX/XXXX. This is completely lie, I didn't even know this account exist on my report until recently. I am trying to rent apartment, that's why looking at my report right now and I am very frustrated about mistakes and inability to fix the problem with the bureaus due to their fake re-investigations. 
I have read FCRA law and understand that it's violation of my consumer rights. 
Please help me fix this problem. I will attach a copy of this account on my report and copy of credit bureau response. If you need additional information or proof of my identity please contact me. Thank you.
Consumer complaint received 2020-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CO)

XX/XX/20 I found out that my credit lost 67 points accord to XXXX XXXX   because Synchrony decides to decrease my credit line about - {$3700.00}. They acted upon this without informed me reason why. I contacted them today to questioned their abusive practice. The customer service representative said nothing they can do because it is all accord to " evaluation '' of my financials. Then said they already sent the letter or in my email online financial statement. Which I never received either ... I believe this is abusive practice to undercut the customer 's credit score.
Consumer complaint received 2020-08-15
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: CBC Companies, Inc. (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future  information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX, There are several credit accounts that i did not approve Please remove the following accounts : XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-25
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-22
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: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX, account XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Consumer complaint received 2020-08-15
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (FL)

Since 2015 i have been fighting with some purchases I do not recognize as mine made with an Chase Amazon Credit card. Because I refused to continue paying it after I got frustrated with the procrastination of the company and a lack of reasonable response they closed my account and have been making attempts to collect a balance I do not own, including very annoying collection practices calling me out of business hours, even during weekends, collection letters, etc. On top of this they hurt my credit which brought me a lot of problems and financial hardship worsened by this pandemic crises.
Consumer complaint received 2020-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (IL)

Navy federal Bank account was hack and money was taken from the account. I spoke with bank, bank told me that i called just in time to stop transfer. Bank returned money to my account the following week, Stating that they observed someone entering my account adding information before make a transfer. Bank closed account open new account for security reasons. Days later money removed bank stated investigation they didnt see thing out of the ordinary and will not return money. This is a nightmare, I need my money, this couldnt have happened at a worst time. I hope this is detailed enough.