davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Someone is fraudulently opening credit card accounts under my name with Bank of America. Bank of America is very difficult to work with and they will not remove fraudulent reports on my credit report. I have made reports to the three credit reporting agencies. Bank of America simply replies to a request by verifying that the account was closed but they do not acknowledge proof that I requested the account and they do not direct the credit agencies to remove the fraudulent account information. What options do I have to correct this? Phone calls to Bank of America customer service are almost impossible for getting anywhere with this problem. Any suggestions welcomed. Thank you, XXXX XXXX
Consumer complaint received 2017-01-02
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Ad Astra Recovery Services Inc (CA)

AD ASTRA RECOVERY SERVICES is an in-house collections company owned and used by XXXX ( XXXX ) Unless I am mistaken, Payday Lenders are not permitted to report derogatory information to the XXXX credit bureau agencies They have reported information of an alleged debt to the XXXX credit agencies which, in turn destroyed my credit
Consumer complaint received 2022-10-18
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. (AR)

Pursuant TO 15 USC 1692J XXXX XXXX  IS IN VIOLATION OF MY RIGHTS DUE TO UNLAWFULLY DESIGING AND COMPELING FALSE INFORMATION TO FURNISH ON MY COSUMER REPORT. KNOWING SAID FURNISHING WOULD CREATE A FALSE BELIEF. 
YOU ARE IN VIOLATION OF 15 USC 1692e AS WELL DUE TO THE AMOUNT OF THE ALLEGED DEBT THAT IS FURNISHING ON MY CONSUMER REPORT. 
XXXX XXXX  IS A THIRD-PARTY DEBT COLLECTIOR AND IS IN VIOLATION OF 15 USC 6802 DUE TO HAVING MY INFORMATION WHEN IN FACT XXXX XXXX WAS THE COMAPANY I DID BUSINESS WITH. 
XXXX XXXX  IS ALSON IN VIOLATION OF 15 USC 1692G DUE TO THE FACT THAT I DID NOT GIVE YOU WRITTEN CONSENT TO FURNISH ANYTHING ON MY CONSUMER REPORT. 
NOT ONLY ARE YOU IN VIOLATION BUT YOU ARE ALSO IN RETALIATION DUE TOTHE FACT THAT THERES AN OPEN CASE ON THIS XXXX XXXX AND YOU TURNED AROUND AND REPORTED THIS FALSE ALLEGED DEBT ON MY CONSUMER REPORT I ALSO HAVE PROOF OF THE CASE AGAISNT XXXX XXXX FOR REPOSSESSION AND ALSO BREACH OF CONTRACT AND XXXX XXXX  TURN AROUND AND FURNISH FALSE INFORMATION TO MY REPORT
Consumer complaint received 2022-03-10
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. (OK)

I the consumer, in fact, am a victim of identity theft and pursuant to 15 USC 1681c-2 I am re-questing the block of such information resulting from such identity theft from my consumer re-port. I am fully aware that pursuant to 15 USC 1681c-2 ( c ) the consumer reporting agencies have the authority to decline or rescind requests to block information. My request was not made in er-ror nor is there any material misrepresentation by me the consumer so my request should not be declined.
Consumer complaint received 2022-03-10
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means XXXX has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-18
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (TX)

On XX/XX/22 I made a purchase at the XXXX XXXX with the XXXX XXXX XXXX. It was for a phone and XXXX XXXX plan for {$1000.00} and {$19.00}. I was unhappy with the purchase and returned the phone to XXXX. On XX/XX/22 XXXX XXXX issued a refund of the original purchase to the card I used for the purchase. 

Synchrony never applied the refund to my account. I verified the refund had been issued by XXXX XXXX and then contacted Synchrony. I initiated a dispute and received my first response on XX/XX/22. They issued a refund for {$19.00}. I followed their procedure when a dispute is not resolved and submitted a fax of the email showing the refund for the full amount had been issued by XXXX XXXX. On XX/XX/22 I received an email stating they would not be issuing a refund because " According to our records, you entered into an agreement with the merchant for the charge in question. As the merchant sets the policies regarding cancellations or refunds, please contact the merchant directly for any additional questions. ''
Consumer complaint received 2022-10-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: U.S. BANCORP (MN)

On XX/XX/22 I had XXXX check deposited into my bank account. The funds were fully available to me and I made a credit card payment of XXXX dollars. On XX/XX/22 they charged the check back and made my account negative. They are now holding two of my checks and a cash payment from the government and say they can't tell me when it will be available.
Consumer complaint received 2022-10-18
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: Credit Karma (TX)

Credit Karma said i was Pre-approved for loan with XXXX XXXX on XX/XX/XXXX, XXXX just to get denied and now i have a hard inquiry on my credit and my score dropped also.
Consumer complaint received 2022-10-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

got email that paypal charging me {$690.00}, for XXXX  XXXX  XXXX gb.sent from XXXX  XXXX  to my email, that came under XXXX. i do not have a paupal account, this has happen before with paypal, had to close all my account, open new one
Consumer complaint received 2022-10-18
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. (DC)

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

XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX  XXXX : # XXXX, XXXX  Now : # XXXX, XXXX XXXX Bank # XXXX, XXXX  : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

A couple sold us two kittens. XXXX XXXX XXXX company was supposed to deliver them. The whole operation is fraudulent. They gave confirmation of order, documents, tracking number and way to check on their site, XXXX https : XXXX Chase has now informed me the accounts have security and fraud flags - but still allow people to send money. Why? If you've been caught or under review why aren't XXXX services paused for those accounts and any money that's pending held? I don't get why they'd continue to allow fraudulent accounts to remain on their platform and use their services if they've known that there's an issue. 

Kittens : {$400.00} ( 2 payments of {$200.00} ) Shipping ( additional cost ) : {$300.00} ( they demanded {$850.00} to rent a specific carrier for the kittens to be sent in- which they promised to refund- have not delivered kittens and they have not refunded ) Other contacts they provided that are part of the operation were : They referred to themselves as " XXXX  XXXX 's '' and on the documentation for transport it says " signed by XXXX XXXX '' but these are the names they had in email and requested XXXX sent to : XXXX XXXX XXXX XXXX XXXX XXXX ( also XXXX account ) XXXX : Name : XXXX XXXX email : XXXX Name : XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX email : XXXX ( XXXX for XXXX XXXX  ) XXXX  : Name : XXXX XXXX XXXX XXXX XXXX  XXXX Tracking code : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: MARINER FINANCE, LLC (GA)

On XXXX XXXX XXXX, the branch manager of Mariner Finance called me inquiring about a suspicious check deposited on XX/XX/2022 allegedly by myself. I have no knowledge about the deposited check or the account that was automatically created by the deposit check. Apparently, my information has been stolen and used fraudulently to create this account. I have not been burglarized.
Consumer complaint received 2022-04-23
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: EQUIFAX, INC. (TX)

Upon reviewing my credit file, incorrect information were found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : XXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$1900.00} Equifax XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX Balance {$2800.00} XXXX : XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$2800.00}
Consumer complaint received 2022-03-10
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: JPMORGAN CHASE & CO. (FL)

Hello, as of tonight I was catching up on some bills and saw that my credit report changed on my XXXX XXXX account. Ive never bother with checking that stuff because its not always accurate. Well I clicked on it and saw that there is multiple delinquent account reports affecting my credit that belongs to my ex husband and somehow my name is attached to his account. We have been separated since 2020 and waiting on divorce to be finalized, Ive never used his account nor do I have any access or cards to his account, this is all stuff that needs to be reporting and affecting his credit status, not mine. Its showing JPMCB which I do not have anymore as of 2020 when I switched to a new bank. Please remove this from my credit report with these inquiries showing as far back as XXXX when it started to arise.
Consumer complaint received 2022-10-18
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: FMA Alliance, Ltd. (MD)

I received a letter from FMA Alliance , Ltd in XXXX Texas asking for payment for a bill that did not give me proper time to pay it. It's been less than 6 months since I was notified of the balance on an account where I went to an XXXX XXXX due to acute problems with XXXX. Extensive test were done, I was diagnosed with XXXX XXXX XXXX XXXX, which occurs frequently. I was sent to a therapist for treatment and put on medication to control the XXXX attacks. I am not disputing I owe the amount, but I am however disputing not being given enough time to pay the bill. My husband was recently diagnosed with XXXX as a well as being diagnosed with XXXX. His treatments, testing and medications are taking us to the poor house. We have a great amount of medical bills that I'm trying to juggle. It seems every little amount of debt is being put on my credit record, even before I can get them paid. It's very discouraging to be XXXX XXXX XXXX trying to balance having to go back to work to pay doctor 's bills and others intentionally trying to ruin my credit rating. I would like XXXX XXXX XXXX XXXX to remove this erroneous bill from my credit report and XXXX XXXX, who are the providers of my medical services for XXXX to refrain from sending damaging information that's causing destructive occurrences on my credit rating
Consumer complaint received 2022-10-18
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. (WI)

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 XXXX XXXX XXXX XXXX  Account number : XXXX, Account name : XXXX XXXX XXXX XXXX XXXX A Account number : XXXX, Account name : XXXX XXXXXXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX XXXX XXXX Account number : XXXX, Account name : XXXX Account number : XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account Name : XXXX Account XXXX : XXXX, Account name : XXXX XXXX  Account number : XXXX, & Account name XXXX XXXX XXXX Account number : 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 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 2022-10-18
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL (GA)

Hello Consumer Affairs and XXXX XXXX XXXX I am submitting a complaint to you regarding XXXXXXXX XXXX XXXX XXXX. I have had credit XXXX XXXX on my PayPal Credit line and on my PayPal XXXX account. I initiated a debit cancelation claim for both PayPal credit lines to be paid off due to my XXXX due to a car accident I was involved on XX/XX/XXXX. I also submitted a second debit cancelation claim due to a second car accident I was involved in on XX/XX/XXXX. 
I was instructed by XXXX  customer service representative on XX/XX/XXXX to have the physician forms completed and signed by my doctor. I received the forms from XXXX  XXXX  customer service with assigned claim number XXXX. My primary care physician completed that forms back on XX/XX/XXXX I communicated with XXXX  XXXX  Customer Service representative multiple times regarding this claim via phone. I also sent them emails. I spoke with the customer service team in XXXX and XXXX XXXX. Shortly after that I could no longer reach XXXX  XXXX  customer service team by phone, XXXX  XXXX  website, nor by email I tried to upload my documents and physician forms to XXXX  portal. Unfortunately, when I attempted to access their website I received a web page error message saying the web page not found. I tried to reach XXXX XXXX  by email go multiple times. I received every time I sent an email that the email address XXXX could not be reached, mail delivery failed, and email inbox full error messages. I have tried to call XXXX  XXXX  customer service team at XXXX multiple times XXXX. Unfortunately I would constantly receive the message saying that they are having technical issues. We are working to have it resolved quickly and swiftly as possible. and to contact XXXX for service. When you call that number the number belongs to Synchrony Bank who tells me that they cant do anything for XXXX  XXXX is a third party they offer to their cardholders such as myself. This issues with XXXX  XXXX  has been unreachable since XX/XX/XXXX. It is now XX/XX/XXXX. That phone message is still stated to this day when you call XXXX  XXXX  customer service number XXXX How long does it take for a corporation to fix their technical issues? XXXX is still charging me for the XXXX  XXXX  fee on my borh by credit cards they are suppose to cover but are not.

I Mailed XXXX  XXXX  my Physian 's forms and medical suppprting documents for XXXX XXXX XXXX XXXX certified mail. Those documents was sent certified mail on XX/XX/XXXX. It was confirmed that XXXX  XXXX  received the certified mail XX/XX/XXXX. I still have not received any responses from XXXX  XXXX  company. 

Resolution : Pay off all credit card balances per my claim submitted and per XXXX  XXXX  XXXX guidelines states. 
Credit back insurance fees charged to my credit cards paid from XXXX XXXX due to company not in operations and not functioning due to technical issues per the phone recordingXXXX XXXX 
XXXX XXXX XXXX XXXX CC : XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-03-10
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)

15 U.S. Code 1681- Congressional findings and statement of purpose- ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

15 U.S. Code 1692k - Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX OF XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXXXXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXXXXXX Bank Credit Cards Inquiry date XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-08-03
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. (OH)

Have accounts appearing on my credit report that are effecting my household negatively and i have tried to contact the company and have gotten nowhere because I do not know any details about these account, what I do know is what is listed below. The account info that is listed on my credit report is listed below. 

1 ) XXXX Account # XXXX opened XX/XX/2008 credit limit {$4000.00} balance owed {$6000.00} 2 ) XXXX Account # XXXX opened XX/XX/2008 credit limit {$3800.00} balance {$4700.00}