davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-21
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. (TX)

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

XXXX XXXX # XXXX LICENSE PLATE # XXXX ( TX ) XXXX XXXX ACCOUNT NUMBER # XXXX XXXX  ACCOUNT NUMBER # XXXX XXXX XXXX # XXXX XXXX  # XXXX STATEMENT XXXX XXXX XXXX XXXX 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 2023-03-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (OH)

On XX/XX/XXXX and XX/XX/XXXX I authorized two transactions of {$1000.00} each for a total of {$2000.00} to My XXXX XXXX for educational courses. I was kicked out of the program in XXXX of XXXX and not given a refund. In XX/XX/XXXX, it was revealed the school was operating illegally. I reached out to chime to file a dispute for my money on XX/XX/XXXX I received an email the same day telling me my dispute was closed and they denied my claim and I could review the documents they used to determine the decision but there weren't any sent with the decision email. I called on a couple of occasions and got a run around about how I should have the documents. On XXXX XXXX, XXXX I called to ask for copies of the documents and was told another dispute would be opened. A few days later I received the chime document attached to this complaint.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (GA)

MIDLAND CREDIT MANAGEMENT HAS NOT PROVIDED PROOF THAT THEY ARE LEGALLY ALLOWED TO COLLECT IN THE STATE OF GEORGIA. 
ACCOUNT : XXXX XXXX NOTICE TO CEASE AND DESIST Dear Sir/Madam, You are hereby notified to immediately cease communications and reporting on my credit report concerning the collections and the alleged debt associated with the account referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 
I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract, and proof that you are licensed to collect debts in my state ( if you are a debt collector ). Until such time as you provide verification of the debt, I am exercising my right to cease and desist all collection activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. 
Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. 


Furthermore, I am requesting that all communication regarding this debt be conducted in writing only. Please do not contact me by phone, email, or any other means except in writing. Any further attempts to collect this debt without providing verification or in violation of the FDCPA will result in legal action being taken against your agency. 
IF YOU OR ANY OTHER AGENT OF YOUR COMPANY ATTEMPTS TO CONTACT ME OR CONTINUE REPORTING THE ALLEGED DEBT, A FORMAL COMPLAINT WILL BE FILED WITH THE FEDERAL TRADE COMMISSION. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all collection and reporting activities on this debt. Failure to comply with this request will result in further legal action. 


Sincerely, XXXX XXXX
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing this complaint regarding inaccurate personal information that appears on my Experian report. 
I have sent XXXX letters over the past XXXX months to Experian with attachments from the FTC as evidence that the previous address reported on my report is inaccurate. However, Experian refuses to delete the address from my report. 
Under the FCRA, Duties of Users of Credit Reports Regarding Address Discrepancies Section 605 ( h ) ; 15 USC 1681c ( h ) ; 12 CFR 1022.82 ( XXXX ) requires that, when providing a consumer report to a person that requests the report ( a user ), a nationwide consumer reporting agency ( XXXX ) must provide a notice of address discrepancy to the user if the address provided by the user in its request substantially differs from the address the XXXX has in the consumers file. Section 605 ( h ) ( XXXX ) requires the federal banking agencies and the XXXX ( the Agencies ), and the FTC to prescribe regulations providing guidance regarding reasonable policies and procedures that a user of a consumer report should employ when such user has received a notice of address discrepancy. 
I request that the inaccurate address is removed from my credit report immediately.
Consumer complaint received 2023-03-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC (TX)

Sequium is reporting a collection account on my reports that I have been disputing for some time now. I sent them a letter requesting validation of debt and it has been over 30 days and they have not responded in any way. Per the consumer laws and rights, if a consumer requests documentation and reaches out to a creditor to dispute an account with a creditor or bureau they must acknowledge and respond to the dispute. Sequium is in violation of the FDCPA and I am requesting that this account is deleted from my credit reports!
Consumer complaint received 2022-09-26
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: SYNCHRONY FINANCIAL (CA)

Hello I am a victem of idenity theft. There are a lot of items on my credit I did not use or authorize. I have reached out to credit bureaus and creditors providing them with the police report number and my personsal info. I have gotten zero help.
Consumer complaint received 2019-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (NY)

American Express's prepaid debit card services (Serve, Bluebird) have been completely non-functional since ~XXXX EST this morning, on Friday, XX/XX/2019. Users (including myself) are unable to log into their account on either the serve.com website or through the Serve mobile app. The app displays a message explaining the issue is due to maintenance. The website displays a message explaining that the site is down, but affected users' debit cards can still be used. However, said cards are declined when used for transactions, both online and physically. When asked for comment, American Express's officiaXXXX XXXX accounts (@AmericanExpress and @AskAmex) send generic, copied responses that explain little regarding the status of the problem (ex: "Thank you for reaching out, we are aware of the issue and we are working quickly to resolve it. We appreciate your patience. Your funds remain safe and secure. ^D".) In the meantime, the @AmericanExpress XXXX  account posted a tweet promoting a production of the theatrical play XXXX before acknowledging the ongoing issues on the account an hour later. The effect is worsened due to the outage occurring during the XXXX shopping season and on the day of the week that many working Americans receive their weekly paychecks, which American Express offers and promotes a direct deposit service for and is now unavailable to those using Serve and Bluebird debit cards.
Consumer complaint received 2023-03-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Amscot Corporation (FL)

Well to be honest. This happened around XXXX at Amscot. I applied for a payday loan for {$400.00}. At that time I was in a financial dump and crisis and I couldnt pay them back. I couldnt at that time. And I explained that to them. Time pass and i totally forgot about them. I really did. Obviously I didnt t need a loan anymore. So now its XXXX. I been trying online to apply for a loan and I keep getting denied and I was trying figure why, and I called XXXX XXXX and they informed me who is keeping me from getting approved. So my issues is that it shouldve been removed by now correct. Its over six years and I feel personally it should be removed off. And let me start over fresh and with new start. Its not the fact that I dont want to pay them cause I cant. The fact is I want it removed off my record due it pass the time frame. The Florida law states 6 years and its removed off. I Just need second chance. Please help to resolve issue. Thank you.
Consumer complaint received 2019-12-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION (CA)

When I took out my Navy Federal Home Equity Loan, was informed they would waive all closing costs if I kept the loan for 2 years. It's been in excess of 3 years and I called to get a pay off, and they are charging me for a fee to file the satisfaction of the debt and stating they are not overcharging. I found online with OC Recorders Office, they charge {$20.00} and Navy Federal, although they never stated they would be charging for filing a fee for satisfaction of the debt, they are charging {$85.00}. Full disclosure was never done here on this and I dispute the amount - I have a document that shows {$20.00} that I have forwarded to them..
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

My identity was stolen in XXXX XXXX XXXX. I contacted upon discovering that online purchases had been made, but not by me or with my consent. The bank XXXX stated that there was nothing that they could do to help me. I called consumer reporting agencies also known as the credit bureaus. I was passed around from agent to agent. No resolution was reached. The fraudulent accounts were eventually removed from my reports. However, upon attempting to purchase a home. I discovered that accounts have reappeared on my consumer reports. I need this information removed permanently.
Consumer complaint received 2022-05-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (TX)

Company : XXXX  at XXXX Debt Collector : Hunter Warfield Date of debt : XX/XX/2022. 
Amount : {$680.00} Actions taken : have continously followed up with the debt collector to disbute the transaction. They have told me that their client has given them zero response. I have stated to Hunter Warfield multiple times to follow up with me via emai and i have records to prove that i have given them express permission to do so. I disputed the amount immediately. In bad faith, Hunter Warfield has decided to not communicate with me.
Consumer complaint received 2019-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: PENTAGON FEDERAL CREDIT UNION (CA)

PenFed has violated the Dodd-Frank Wall Street Reform and Consumer Credit Protection Act. I emailed PenFed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and asked for my account to be unblocked. I sent in my California Driver 's license, my birth certificate, my XXXX XXXX XXXX phone bill yet PenFed continues to block my account and not provide me with my statement. PenFed demanded that I provide a copy of my social security card and I told PenFed my social security card is for social security purposes and not identification purposes, in addition, I do not trust PenFed with a copy of my social security card and told them criminals can use it steal my identity, open bank accounts and credit cards or apply for a loan or carry out other illegal activities without my knowledge. I told them the documentation provided should have been enough to identify me. PenFed continues to block my account and not provide me with my statements. After my complaint about unfair and deceptive practices was submitted to everyone, I knew I would be retaliated against. I also signed up for automatic payments so that the minimum payment would be deducted from my XXXX account however PenFed cancelled the automatic payments without my authorization and without notifying me. I then emailed PenFed on the XX/XX/XXXX and told " Due to PenFeds unfair and deceptive practices, close my checking and credit cards ending XXXX and XXXX. You also purposefully kept my statements from me each month then stated I was late to the bureaus. I don't want to do business with a discriminatory, unjust company- close all my accounts with PenFed. ''
Consumer complaint received 2022-12-15
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. (VA)

In Accordance with the fair Credit Reporting Act XXXX  Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602A. 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 2023-10-25
Product: Credit reporting 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. 

XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/2021 and a balance of {$76000.00}. 
XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/2021 and a balance of {$15000.00}. I am a victim of identity theft and I never opened this account. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to dispute several hard inquiries that appear on my XXXX credit report. These inquiries are unverified, and I did not authorize any of them. As such, I request that they be removed from my credit report immediately, in accordance with my rights under the Fair Credit Reporting Act : 1. XXXX  XXXX ( Bank ) XX/XX/2024 2024
Consumer complaint received 2023-08-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (ID)

Navient..crooked from Day 1. My loans were not released in bankruptcy. I've applied for income driven repayment and have received no response or help. The rules seem to change all the time, but they lock you in. They keep taking and do not work with you or respond unless you give them money.
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (OH)

Tjx synchrony bank credit card Company called XXXX XXXX. I was not available when they called For an account that doesnt exist. I made attempts to contact company but no way to get through to anyone, the number they asked me to call was AI only wanting me to pay the debt they say I owe. I was not going to pay for a bill from an account that paid in full and closed. This account was closed XXXX XX/XX/XXXX paid in full. I made other calls to numbers listed as customer service for TJX credit card, to no avail. All were AI machines wanting payment. No one to work with the issue to solve their mistake. Frustrated I looked up others that had these issues with Synchrony and saw Synchrony Bank was Sued XX/XX/XXXX class action settlement paid to customers {$2.00} XXXX dollars for this exact thing that they are doing to me. They are calling me about an account that doesnt exist. This is what they did to other people that won a XXXX XXXX dollar lawsuit Should I get a lawyer? 
My bank sent me an alert that my credit report was hit by synchrony bank. My score was and always has been XXXX up higher. It it now XXXX. This was XX/XX/XXXX and synchrony Bank made the complaint. 
I have all the paperwork about old account paid in full and closed in good standing. 
They fraudulently opened a new account and showed I owed money. This would have been in XX/XX/XXXX they opened an account I did not request and they closed my original account ..I didnt. I was shocked! My credit report needs to be restored to where it was, they are responsible to do it now. Of course they need to close the fraudulent account they reopened after my account closed. 
They started with I owed XXXX. In a few days they left message with XXXX Next few days it was XXXX. Is that legal? I doubt it. They are bullying customers. 
I also filed a complaint XXXX  XXXX. No response from Synchrony Bank!
Consumer complaint received 2019-09-11
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. (UT)

XXXX XXXX is reporting a recent late in XXXX that I should not have. I was never late and never received a notice. The truck is my husband 's and he is the one that makes the payment, and he has told me he was never late. He made the payment and there was a bank side error that resulted in it not going through. This is not my fault.
Consumer complaint received 2022-05-31
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. (IL)

In accordance with the Fair Debt Reporting Act. 

XXXX  XXXX XXXX account # XXXX has violated my rights. 
XXXX XXXX account # XXXX has violated my righs. 
XXXX XXXX account # XXXX has violated my rights XXXX XXXX account # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights XXXX  XXXX  account # XXXX has violated my rights XXXX XXXX  # XXXX has violated my rights 15 U.S, C 1682 Section 602 A. : States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Also states : A consumer reporting agency can not furnish a aaccount without my written instruction..

15 U.S.C 1692e Section 8 : updating without showing disputed.
Consumer complaint received 2019-09-11
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, my name is XXXX XXXX and I am a victim of I.D . Theft. I submitted a dispute to the major 3 Credit Bureaus ( XXXX, TranUnion and XXXX ) about a fraudulent account appearing on my Credit Report.They did not dispute the account in question, which should have been disputed : XXXX XXXX XXXX. 
Opened : XX/XX/2013 Amount : {$330.00} Instead they disputed the 2 valid accounts that belongs to me, which should have never been placed under dispute, the 2 below : XXXX XXXX XXXX. 
Opened : XX/XX/2013 Amt. {$220.00} XXXX XXXX XXXX. 
Opened : XX/XX/2013 Amt. {$220.00} I have presented to you the same information I presented to them, and as you can clearly see that I didn't file that dispute and the mistake was intentionally made. I ask that the 2 above referenced accounts be placed back on my credit report with all 3 Major Credit Bureaus, I have contacted XXXX with XXXX XXXX XXXX and she said the accts. will be placed back on there, and the fraudulent account opened on XX/XX/2013 will be removed.
Consumer complaint received 2023-03-08
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. (GA)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1618 Section 602 states I have the right to privacy.

Convergent Account # 12345, has violated my rights 15 USC 1618 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2023-03-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2023, I opened this checking account ( XXXX  ) with {$150.00} bonus offer on BoA website. 
On XX/XX/2023, until today, I still have not received the {$150.00} bonus. Tried contact customer service and they told me that offer never applied to my account so I wont get the offer. Also last 5 month, I had over {$20000.00} direct deposit and I am very sure I am eligible the offer. 

This is clear a tech issue from BoA or they had a fault advertisement. I need CFPB to help and look into this issue.