davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have a Capital One XXXX XXXX credit card. I accumulated XXXX reward points on this card. On XX/XX/2022, I received a letter from CapitalOne and informed me that the account was closed on XX/XX/2022 due to inactivity. However, this was the first time that CapitalOne contacted me regarding this account ( and I do have multiple accounts with CapitalOne ), and did not allow me an option to either keep the account open, or to redeem my reward points. I already contacted customer service, and opened a case # XXXX to request that I get the opportunity to redeem the reward. A few weeks afterwards, I got a letter in the mail stating that they would not allow me to redeem the rewards. Capital One unilaterally closed this account without proper notice to me, and by closing this account, Capital One refused to honor the XXXX reward points that I have accumulated. It is an unfair business practice to cancel member 's account unilaterally without proper notice in order to avoid honoring the rewards.
Consumer complaint received 2023-02-07
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 XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-03-09
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 (GA)

On XXXX XXXX I pulled my credit report from XXXX XXXX XXXX XXXX website. I noticed several inaccurate information reporting on my consumer report. I am aware of the FCRA state all accounts must be accurate and complete. 

Bank of America is reporting 2 accounts on my consumer report with several inaccurate information. The Date of Last Active is reporting following dates : XXXX, XXXX XXXXXX/XX/XXXX and XXXX  XXXX XXXX The Date of Last Active for the second account with Bank of America - XXXX, XXXX XXXX XXXX XX/XX/XXXX and XXXX  XX/XX/XXXX XXXX The Date of Last Active is very important because it determines when the account be removed from my consumer report. It is unfair for me to suffer for the violation that Bank of America refuses to delete the account after I sent a letter requesting for the deletion. I presented evidence for proof that the account is in violation according to FCRA. 

On XX/XX/XXXX, I mailed a certified letter XXXX XXXX XXXX XXXX XXXX. The letter was sent in reference to the inaccurate reporting of the Date of Last Active. Bank of America responded by stating the information is reporting accurate in XXXX, XXXX I received a response from Bank of America stating the information was accurate. 

XXXX, XXXX, I submitted another letter to Bank of America certified number XXXX XXXX XXXX XXXX XXXX. The letter arrived XX/XX/XXXX but I have not heard back from Bank of America as of today. As consumer I have the right to dispute any inaccurate information on my consumer report. Bank of America has ignore my request for deletion b On XXXX
Consumer complaint received 2023-02-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I'm filing this complaint because of certain false accounts I discovered on my credit report. XXXX, XXXX, and TransUnion Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and it is not permitted for them to continue publishing unverified information within the legal time frame in the absence of any supporting documentation. The accounts that are inaccurately reflecting on my credit reports are listed below : XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX Balance Owed : {$6000.00}. Get the disputed accounts fixed as soon as you can in accordance with the Fair Credit Reporting Act.
Consumer complaint received 2023-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CARD Corporation (MD)

I was incarcerated in XXXX XXXX, Maryland on XXXX XXXX XXXX  and was released on XXXX XXXX XXXX I was unable to have access to my account as I was incarcerated and my money went missing. Filed a dispute still no resolution after 6 months and they suspended my account and won't release money in my account I worked for to me.
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (TX)

My name is XXXX XXXX, and I just turned XXXX on XX/XX/2022. Today I went to check my credit, and I noticed 4 accounts that were opened under my name. I have disputed them all. Also one of them ( XXXX XXXX ) was opened before I was XXXX. I am not the owner of any of these accounts. I am just now learning what credit is, and I have not opened or applied for any of these accounts.
Consumer complaint received 2023-03-08
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (IN)

To follow up with further documentation, as I relayed I put my home up for sale, I was not at that time behind on a payment! I right away had a cash buyer, Wells Fargo drug their feet on this sale, said that HUD wouldnt let me sell. This was not true. I even spoke with HUD they said I should be fine to sell.I again spoke with Wells Fargo & the lady said I should be fine. So when my realtor put through the work they said I had a problem with my loan. They fabricated this problem. All this took weeks & I thought I was just waiting to close, then because of their dragging their feet Im now 1 payment behind they new I had a cash buyer so they caused my home not to sell so they could sell to my cash buyer & they made the profit. 
Im am sick from being treated like I didnt speak to both parties say I should be able to sell. They fabricated an inner issue to cause be to have to Short Sale. I was absolutely a victim in their illogical activity. Im discussing this with a layer this time. I suggest this be looked into further. There should even be recorded messages with my being told I could sale as well as documentation with HUD that if I had a cash buyer I could sell. 
Wells Fargo needs to finally be stopped with these illegal actions against innocent people, in my case I was targeted as a single women & easy to bury illegal practices. I know what I was told. When I talked to these people it always said our conversation s were being recorded, so why arent those checked. I was forced into signing paperwork acting as though they were reconstructing my loan not stealing my escrow, my cash buyer waited patiently through this entire process & Wells Fargo saw this & took advantage of this with illegal Short Sell transactions.
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. (TN)

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 2023-03-08
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. (VA)

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 U.S. Code 1681. 

XXXX XXXX XXXX : XXXX has violated my rights. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681c - Requirements relating to information contained in consumer reports. ( a ) Information excluded from consumer reports ( 5 ) 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. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 2019-11-26
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 (CA)

There is an inquiry from XX/XX/2019 on my credit report from SYNCB National Credit Cards/Airlines that I did not sign up for. I do not have a card or account with this company. I called the creditor at XXXX that was provided to me through XXXX XXXX. When I called they stated they already submitted a request for removal and that it was an incorrect inquiry. Then they stated in order to get it completely removed I needed to call XXXX Credit Bureau. I called them at XXXX and the phone lines were busy every time I called.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}.
Consumer complaint received 2023-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (WA)

XXXX XXXX wrote a check to me for {$1000.00} from XXXX XXXX. I deposited it to my account at Chase. XXXX forgot she had written it and turned it in as fraudulent. She then remembered and instructed her bank that it was good. Chase restricted my account anyway and it took a complaint to CFPB to get it unrestricted. Chase said it would not give me the {$1000.00} and to go back to the maker of the check. The funds were not returned to XXXX 's account. I would like to know where the money is.
Consumer complaint received 2023-02-28
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. (PA)

Account Name : XXXX XXXX XXXX Account # XXXX & Account # XXXX Violation of 15U.S.C 1681 ( S ) 2 -This is inaccurate reporting Therefore delete account off my consumer report And Delete account due to Violating FCRA Rights I sent a dispute registered mail with return receipt to all three credit reporting agencies on XXXX XXXX XXXX. The credit reporting agencies did not do an adequate investigation within 30 days violating 15usc1681e ( b ) ; 15usc1681i ; 15usc1681c ; 15usc1681n ; 15usc1681a ( 3 ) it is now XX/XX/XXXX, and the dispute still has not been initiated nor finished NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL The attachment shows 35 different reasons why this account shouldve already been deleted over a year ago The account not being deleted over a year ago, proves I am owed monetary compensation for the violations of the fair credit reporting act
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2023-03-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (TN)

chime.com is a scam they collect personal information and as soon as you receive money at the account they will lock it. 
I have created my account and without any email warning they locked it for security reasons showing an email I should email XXXX i have send multiple emails since weeks now and they do not reply! I dont even get a ticket reply this is a scam!
Consumer complaint received 2023-02-28
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: Experian Information Solutions Inc. (TX)

Since XX/XX/XXXX I filed a FTC report and also sent multiple letters trying to resolve this issue my XXXX and XXXX were completely updated and resolved. 
These unauthorized inquires I am not aware of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiry XX/XX/XXXX date of inquiry XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Card date of XXXX XX/XX/XXXX XXXX XXXX inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Card date of inquiry XX/XX/XXXX Date of inquiry XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Date of XXXX XX/XX/XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Financ Date of inquiry XX/XX/XXXX date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX
Consumer complaint received 2023-02-28
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: Experian Information Solutions Inc. (TX)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  OF XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or remove them immediately in my report : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (GA)

In the letter attached, there is no original proof of the last payment on this account for XXXX XXXX. Anyone can alter the actual dates on any given note ; including debt collectors, companies, etc.

As the FCRA states and estipulate, I need a re-investigation. First of all, because LVNV Funding LLC, is altering the original dates without actual proof of the contract. According to the note presented by XXXX themselves and/or XXXX. 

CFPB please look at the attached document. I have no use talking to this XXXX company anymore. According to the FCRA : Account information disputed by consumer meets FCRA requirements, explained on my credit report. 

LVNV is not following the law of the state incurred, there are many discrepancies on the dates without proof and the court dismissed the case. 

I will process a lawsuit against LVNV for damages, and misinformation of character, my lawyer will get in deep with this collection company soon if there is no resolution. I am completely tired of dealing with them, without no agreement. Last time I am requesting this LVNV remove the XXXX  XXXX account from my credit report.
Consumer complaint received 2019-11-19
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: Experian Information Solutions Inc. (DE)

Date submitted XX/XX/XXXX XXXX wireless cellular phone Account status is closed XXXX Texas {$1700.00} Sent to fraud dispute twice and nothing is happening. Someone does have my info and this is not the first time a phone account has been opened. Atnt closed a account due to it being opened in another state by someone who is not me. I received multiple letters of accounts being attempted to open but cant due to a freeze. 

This account is NOT mine.
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance {$2300.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance {$1800.00} XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (AK)

In XXXX of 2022 I applied for XXXX Mortgage assistance through the XXXX XXXX XXXX XXXX and my application was subsequently approved. 

Today I found out that my mortgage servicer- Citizens Bank XXXX XXXX Citizens One XXXX XXXX ) did not apply to be a vendor for the XXXX  program thus ultimately denying me the assistance that was granted. 

I would like to know : XXXX ) Why my mortgage company did not participate in the program and XXXX. ) What remedies are available for me to get my approved mortgage assistance. 

I understand that the application period for vendors to apply to the program is still open and am wondering how pressure can be exerted upon them to participate. 

thank you for you help in this matter, XXXX XXXX
Consumer complaint received 2023-03-07
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: Experian Information Solutions Inc. (FL)

I see XXXX and XXXX XXXX buy on my report. I did not do this. I contacted both companies they have no record of me by name, number, social or dob. They are inquiries and I have been assured no accounts exist active or otherwise.
Consumer complaint received 2023-03-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc. (PA)

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX  XXXX Balance Owed : {$3300.00}