davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NY)

I was notified on XXXX/XXXX/19 by my free credit monitoring service that my Discover Card account had been closed by Discover on XXXX/XXXX/19. Discover never contacted me to tell me my account had been closed. I called and spoke to customer service and was informed that the account was closed due to " business reasons '' and that they had no further information they could give me. They informed me I could not re-open the account and there was no one else I could speak to who could assist me further. They only offered to send me an address to which I could send a letter, but the email I was expecting with that mailing address never arrived. At a minimum I would like a thorough explanation of why my account was closed, and I would appreciate having the account re-opened.
Consumer complaint received 2022-03-28
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. (CA)

I am a victim of identity theft and I need help because my credit has been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2019-08-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (WA)

I recieved my back pay of almost 30000 usd I got XXXX in cashiers checks and after buying a vehical and some online purchases that I returned a loan company made bad deposits and I got charged for them the chase bank closed my account with a remainder of at the least XXXX usd still in there and didn't give me the rest of my money  plus this loan company has followed me from wells Fargo to chase bank to key bank and is still calling saying now that they are the us government grant department and I got approved for a loyalty grant of XXXX  usd which is about the amount they have stolen from me over about a ten year period.  I would really like to get my money back and I have made police reports and they haven't done anything please help me out
Consumer complaint received 2018-07-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: JPL Recovery Solutions (TX)

This collector has been calling about a debt and been calling posing as a law enforcement agency for years and I would like for them to cease communication altogether and stop the harassment. They have yet to be able to provide information on the alleged debt and have threatened to either sue or arrest me which is illegal according to the FDCPA
Consumer complaint received 2018-01-25
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

I believe the past due balance and last payment are not correct. 
1-TFS Account history document and deficiency document show different numbers, The balance, vehicle sale and all numbers dont much. which numbers are correct? 
Account history document : the Loan balance in XXXX, Vehicle sale {$12000.00}, Past due balance {$3400.00} Deficiency document shows : the Loan balance in XXXX, Vehicle sale {$13000.00}, Past due balance {$3700.00}. 
I am requesting that you send me an explanation of the methods used, and a description of the records reviewed. 
2-XXXX My last payment was for the month XX/XX/XXXXas shows on the account history document also on right side showsXX/XX/XXXX ( 30 DPD ). Refund from Gap insurance isnt a payment.
Consumer complaint received 2021-12-15
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. (MD)

On XX/XX/2021 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, Transunion and XXXX in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ).

I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that 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. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.
Consumer complaint received 2021-12-15
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: Medical Society Business Services, Inc. (AZ)

This company " Bureau Of Med Economics '' and XXXX XXXX are in violation of my Hippa rights. I've attached correspondence between myself and this company. They've provided my my health records with providing my a Hippa signature... .This is a violation of the Fair Credit Reporting Act. I do intend on filing a Lawsuit should this account not be deleted from my credit report.
Consumer complaint received 2022-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

I opened a MasterCard with Comenity Bank BJ 's My Perks on XX/XX/22. Shortly after opening the account, and the entire Comenity Bank BJ 's My Perks online and phone customer services became unavailable. This lasted from XX/XX/22 through XX/XX/22. This brand new account obviously had no prior balance, as it was only opened on XX/XX/22. Despite this, Comenity Bank BJ 's My Perks issued my first statement on XX/XX/22 and charged me finance charges. These charges violate their own terms and conditions, as there is no prior balance subject to finance charges. Pleae review attachment and view page 3. Comenity does not answer online secure messages or answer the customer services #.
Consumer complaint received 2021-12-15
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: Experian Information Solutions Inc. (TN)

I wrote a letter about accounts that may be found in my credit file that were erroneous and inaccurate not long ago, and I'm disappointed that they're still there. I do not verify such accounts, which is a violation of the Fair Credit Reporting Act 's US Code 1681 Accuracy and Fairness in Credit Reporting.
Consumer complaint received 2018-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY (AL)

I am an authorized user. I have been in contact with the Executive Office since XX/XX/2018. The account is not appearing on XXXX, XXXX, and XXXX.
Consumer complaint received 2021-12-15
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: EQUIFAX, INC. (TN)

I wrote a letter about accounts that may be found in my credit file that were erroneous and inaccurate not long ago, and I'm disappointed that they're still there. I do not verify such accounts, which is a violation of the Fair Credit Reporting Act 's US Code 1681 Accuracy and Fairness in Credit Reporting.
Consumer complaint received 2018-07-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (CO)

I have been over sea with my company from XX/XX/XXXX- XX/XX/XXXX. And I have a collection company Phoenix Financial Service Trying to collect a medical debit for {$2400.00} from XX/XX/XXXX I was never in a medical ins tuition. this is a fraudulent account and want it removed from my credit
Consumer complaint received 2022-03-28
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. (NC)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-02-15
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. (PA)

To whom this may concern, my name is XXXX XXXX, this statement is being composed by myself. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose 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 instruction of the consumer to whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding removal of this account. The following accounts were not authorized by me and I request removal : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have called TransUnion 13 times between XXXX and XXXX to remove fraudulent information just to be continually redirected or told to call consumers for letters. Customer service reps just seem to spit off automated responses. I have sent 3 dispute letters over the same inquiries. This third one certified to ensure delivery. It's bad enough people have to deal with fraud but getting the help you need to remove it is latter 's, a million phone calls, more letters and jumping through hoops of fire!
Consumer complaint received 2021-12-15
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have disputed {$94.00} charge from XXXX XXXX XXXX on my Capital One XXXX XXXX ending with XXXXCapital One is refusing to honor the dispute, even though I have provided statement from XXXX which shows that I paid the full amount corresponding to my stay in XXXX as well as a signed letter to Capital One stating the same. 

I have called Capital One three times to resolve the matter but their agents refuse to handle the dispute.
Consumer complaint received 2021-12-15
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have sent several correspondence to the Credit reporting agencies and they have failed to respond to my request for an investigation. Also XXXX stated that they verified my information but have failed to respond to my request for a Method of Verification letter.
Consumer complaint received 2021-12-15
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: SYNCHRONY FINANCIAL (NY)

So contact Banana Republic after discovering that hard inquiry on my reported to credit bureaus. Which I was unaware at that time. Then realized that this was result of misinformation that was given by a sales associate that had assure my what she was doing a soft inquiry to see if I was offered a credit increase which would consider as a soft credit since I already had a Gap Store Credit Account already. I made myself very clear when ask about processing as a hard inquiry & sales associate response was this is soft credit that would not cause drop in score. I explained I didnt want anymore hard inquiry because recent inquiries that were on my credit report. I acknowledged prior that I already had a Gap credit card that can be use already at Banana Republic & Old Navy. So only if was XXXX ( aka XXXX XXXX ). But taking advantage as well as deceived by the sale associated who manipulated that situation by given inaccurate information regarding inquiry. I connected merchant in order for this issue to get resolved, but XXXX attempts ( XX/XX/21, XX/XX/21, & XX/XX/21 ) which I was transfer to credit issues department which had then spoken XXXX then XXXX. Then I attempted to reach out to them again & was told that a compliant/report was issued to be corrected information regarding the unauthorized credit reporting. I also had similar issue wXXXX XXXX XXXX when I change my mind before credit was ran, I was told that she suspend the application then it should fall off or removed for incomplete application which takes XXXX hrs. But instead it wasnt which had resulted it being reported as a hard inquiry on credit report.
Consumer complaint received 2021-12-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well.
Consumer complaint received 2021-12-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have asked XXXX and Transunion to remove both Bankruptcies from my credit report. I have had several years of perfect on time payments at 100 % but these bankruptcy cases both have prohibited me from owning a home no matter how hard I try! XXXX is XXXX and XXXX XXXX XXXX and XXXX was a XXXX XXXX that was converted in error because I filed prematurely in error and had not waited the allotted time, but XXXX and XXXX are reporting a dismissal of XXXX but in fact its still a XXXX XXXX dismissal, and should only be accurately reported from 2018 and I only have 7 years on my credit. As I BELIEVE THE LAW TO BE AS FOLLOWS : The FCRA states only the legal maximum amount of time bankruptcies can appear on your report and not the minimum. This means a bankruptcy can be removed earlier than the legal maximum, but it must be proven that it is misreported, ( XXXX XXXX conversion ) unsubstantiated or otherwise found inaccurate. The Fair Credit Reporting Act, 15 U.S.C. Section 1681 et seq., is the law that controls credit reporting agencies. The law states that credit reporting agencies may not report a bankruptcy case on a person 's credit report after XXXX ( XXXX ) years from the date the bankruptcy case is filed, I am at XXXX and 10 months from case XXXX. Generally, bad credit information is removed after XXXX ( XXXX ) years. Please help me one and for all! I exhausted for fighting for my rights as I HAVE FILED DOZENS OF COMPLAINTS AND WOULD LIKE THIS TO BE THE LAST ONE FOR YEARS TO COME!
Consumer complaint received 2021-12-15
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: GOLDMAN SACHS BANK USA (FL)

Apple card responded to a prior complaint stating the dispute was reopened, I was given a temporary credit and they send information to me to respond to complaint. Despite numerous calls and feedback through prior complaint here - still No contact with anyone dealing with dispute, letter sent to me had no details on it. 

However new issue is that company has removed from account credit limit the amount under dispute. Punishing me the client and restricting my ability to use card. This is unacceptable - why issue me a credit thrn take way the ability to access that amount.
Consumer complaint received 2021-12-15
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: EQUIFAX, INC. (GA)

I have asked EQUIFAX and XXXX to remove both Bankruptcies from my credit report. I have had several years of perfect on time payments at 100 % but these bankruptcy cases both have prohibited me from owning a home no matter how hard I try! XXXX is XXXX and XXXX XXXX XXXX and XXXX was a XXXX XXXX that was converted in error because I filed prematurely in error and had not waited the allotted time, but EQUIFAX and XXXX are reporting a dismissal of XXXX but in fact its still a XXXX XXXX dismissal, and should only be accurately reported from 2018 and I only have 7 years on my credit. As I BELIEVE THE LAW TO BE AS FOLLOWS : The FCRA states only the legal maximum amount of time bankruptcies can appear on your report and not the minimum. This means a bankruptcy can be removed earlier than the legal maximum, but it must be proven that it is misreported, ( XXXX XXXX conversion ) unsubstantiated or otherwise found inaccurate. The Fair Credit Reporting Act, 15 U.S.C. Section 1681 et seq., is the law that controls credit reporting agencies. The law states that credit reporting agencies may not report a bankruptcy case on a person 's credit report after XXXX ( XXXX ) years from the date the bankruptcy case is filed, I am at XXXX and XXXX XXXXXXXX  from case XXXX. Generally, bad credit information is removed after XXXX ( XXXX ) years. Please help me one and for all! I exhausted for fighting for my rights as I HAVE FILED DOZENS OF COMPLAINTS AND WOULD LIKE THIS TO BE THE LAST ONE FOR YEARS TO COME!
Consumer complaint received 2022-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AE)

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 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I sent a letter to XXXX, XXXX, and Equifax advising them that the information on my credit report was incorrect. I sent in my driver 's license, Social Security Card, and a piece of mail with my current address in which I reside. All I received was a letter stating that I must send in identification to change the information. I provided my letters sent in XX/XX/2023 and all I've gotten in return is a letter stating to verify who I am.
Consumer complaint received 2021-12-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (NY)

In XXXX of XXXX we began a traditional mortgage refinance with Citibank. Our refinance loan was approved in XXXX of XXXX and the closing was scheduled for early XXXX. The day before closing Citibank had not provided the lawyer with necessary documents so the closing was rescheduled for the following week. The following week Citibank had still not provided the documents to the lawyer so the closing was again canceled. A week later Citibank notified us that they had switched systems internally and had to move our loan and loan documents into the new system. They informed us that we would not have to provide any additional documents and that they would take care of all of the transfers while honoring the original terms. This turned out to not be true, documents that had already been provided were asked for again. Further more Citi asked for new documentation that had not been asked for in the original loan package. In XXXX of XXXX Citi reversed its decision and told us our refinance was no longer approved. ( An action that falls under deceptive mortgage practices ). When we complained to Citibank stating that our loan had previously been approved and they can not reverse this decision they reopened our file. Since then ( XXXX ) Citibank has continuously asked us for documents. Very often the documents being asked for have been provided or addressed multiple times. XXXX employees have apologized and told us they dont understand why our refinance has not been approved. It seems Citibank is using a circular request for documents as a stalling process and means to not approve a previously approved loan, this has also corresponded to Citibank learning that I was XXXX and planned to take XXXX XXXX
Consumer complaint received 2022-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have submitted Identity Theft reports and required documentation for proof of my identity to credit bureaus along with requests for complete credit file disclosures from the companies listed but Ive only received credit reports. Im asking for all the information and documentation that each agency has stored on my file. A full individual file disclosure associated with my identity so I can confirm the accuracy of the information in the file.