davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: EQUIFAX, INC. (FL)

This is a response to complaint XXXX To Whom It May Concern, You stated that these inquiries are a matter fact. PROVE IT! I asked for you to provide validation of these inquiries and you failed to do so. I will ask one more time to provide validation. You also stated that per the FCRA these inquiries are not routinely removed. I really need to pay attention to what is going on here. I did not give authorization for the inquiries provided so they should not have been placed on my consumer report! That is the reason that I am asking for documented validation with my wet ink signature bearing authorization for these inquiries and also validation showing that I gave permission for this information to be furnished on report as well. I, the consumer and natural person am telling you that I did not authorize anyone employed by these companies to make any inquiry and view my consumer report. These are violations of the Fair Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy. You took a companies word ( hearsay ) for it and just placed these inquiries on my report with receiving validation. 

Once again, please validate this information with these companies and provide me with full documentation associated with these accounts bearing my signature, authorizing an inquiry. 

I also demand you XXXX to produce a contract between you and I, the consumer and natural person bearing my signature showing that I gave you permission on my behalf. 

Pursuant to the FCRA 15 USC 1611 anyone willfully or knowingly providing false information and/or inaccurate information is subject to certain penalties. 

I know that you did not do your due diligence in validating this information before you decided to furnish because you would not have been able to validate this information as I did not provide consent to these inquiries. 

In the absence of such documentation bearing my signature, I formally request again that these unauthorized inquiries be removed from my consumer credit report immediately that you maintain under MY social security number. 

Please be advised that I expect a response within 15 days from the receiving this notice. 

Inquiries in question : XXXX XXXXne Bank XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX : XXXX ' XXXX in good faith. Without prejudice. All inalienable rights reserved. 

Any extra info needed : XXXX XXXX XXXX : XX/XX/1990
Consumer complaint received 2022-09-25
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 (PA)

On XXXX XXXX XXXX I made a complaint that I was charged twice for an online purchase. The first charge was cancelled by phone to the store ( XXXX 's ) the order was made. The amount in question ( XXXX ) was never to this day removed. I have called several times reached out twice by mail and even consulted XXXX XXXX. The only thing Synchrony Bank has done is deferred late charges. To date they still want a balance of XXXX. Thru all the months of grief and aggravation I am ready to just give up. If you can help Thank You. Sincerely and mentally exhausted. XXXX. P.S. I know it is not a lot but it is the principal of the whole problem.
Consumer complaint received 2022-08-22
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. (TX)

XXXX XXXX XXXX is reporting inaccurate information. I have never signed any contract with this company. Shows original creditor to be XXXX XXXX XXXX, I do not have any dealings with this company. They have bought inaccurate information and it is a fraud account. There is no account number.
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am a natural person, i am a living human being. I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681 and they have violated my rights several times, I demand that the accounts listed below be removed immediately based on 15 USC 1681 which states that I have the right to privacy and did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance witn the Fair creair reporing act. The List or accounts berow nas viorared my rederally protecred consumer rignts to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXXXXXX XXXXXXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATION/XXXXXXXX  XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followinc items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-04
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. (TX)

There was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt, according to the FCRA ( credit bureaus and the court system has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. 

In accordance with the Fair Credit Reporting Act XXXX account # XXXX and XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states i have the right to privacy.

15 U.S.C I681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2022-09-25
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: U.S. BANCORP (WY)

On XX/XX/2022, US Bank sent a letter indicating that I had unpaid XXXX  charges on my vehicle and the bank had received a letter from the XXXX XXXX XXXX in Colorado indicating the amount of the tolls and multiple fines/ citations as a result of the tolls not being paid on time. The tolls were for travel on XXXX where tolling is by camera or toll box only ( i.e., there is no way to pay while passing through the tolls ). Because the vehicle is leased, it is registered to US Bank. When the tolling company sends a bill, the bill goes to US Bank. Over several months, US Bank did not pass these bills along to me or add them to my monthly bill. After several months, the tolls accumulated and so did citations for lack of payment. In the XX/XX/2022, letter US Bank stated that if I did not pay the tolls, US Bank would pay them, pass the charges on to me, AND add another fine. I spoke to US Bank customer service in XXXX / XX/XX/2022 and spent well over an hour with an agent who was kind but completely unhelpful. My understanding is that she was filing an internal complaint on my behalf with US Bank. Several months have passed now, and I have received no response from the bank. To ensure further fines did not accumulate, I called XXXX and requested that the citations be waived. XXXX could not waive all the citations but reduced the total to ~ {$100.00}. A few dollars in tolls turned into a large expense for me because US Bank did not properly pass along bills it received for my vehicle. US Bank also does not have an effective complaints process. These practices amount to unfair consumer practices that I believe are a violation of UDAAP. I lost money because US Bank does not have internal processes to properly manage leases. While the payment of tolls is my responsibility, I can not pay tolls on a toll-by-camera road if the bills are never sent to me. Further, US Bank 's employees are inadequately trained and its complaint procedures appear to be a complete sham.
Consumer complaint received 2023-01-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Unifin Inc. (FL)

This bottom feeder debt collection agency which purportedly purchases debts for pennies on the dollar is attempting to collect an alleged debt. The alleged debt is time barred from any credit reporting which they should already be aware of. Furthermore, I received a letter dated XX/XX/2023 from this company. By way of this complaint, the business is to cease and desist all communication tactics. Reference number : XXXX.
Consumer complaint received 2022-08-23
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. (SC)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX  XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, SC XXXX ; XXXX XXXX XXXX WAY XXXX XXXX, SC XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance XXXX {$35.00} ; XXXX  XXXX Balance : {$33.00} ; XXXX  XXXX Balance : {$35.00} ; XXXX  ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$100.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2022-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

In accordance with the Fair Credit Reporting Act, the accounts listed below have violated my rights : -XXXX XXXXXXXX, {$720.00}, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$540.00}, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$11000.00}, XX/XX/XXXXXXXX XXXX XXXX {$1200.00}, XX/XX/XXXXXXXX XXXX  {$660.00}, XX/XX/XXXXXXXX XXXX XXXX XXXX {$340.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX, {$400.00}, XX/XX/XXXX 15 U.S.C. 1681 section 602 A. states that have the right to privacy.

15 U.S.C. 1681 section 604 A. also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

On XXXX XXXX XXXX  I opened a Checking Account with Citibank online and funded it with {$1000.00}. 

On Tuesday XX/XX/ I received an email congratulating me on my enrollment in the Member Cash Checking Offer. This email stated I would be eligible for up to a {$1500.00} Cash Bonus if I deposited {$200000.00} or more within 20 days of opening my account. 

On XXXX XXXX XXXX  I deposited {$220000.00} into my account which was within the 20 days of my opening my account on XX/XX/XXXX. The program required me to maintain the balance for 60 days- which I did ( well over 100 days ). I kept the balance over {$200000.00} until XX/XX/ when I eventually started transferring the money to other accounts and it dropped below the {$200000.00} I never received my bonus cash. 

On XXXX XXXX  I reached out to my banker via email to try and resolve this. I've been told that the Promotional Dispute team is looking into it. It is now XX/XX/XXXX and I have not been paid my promotional amount and I feel as though the bank doesn't care to resolve this. 

I consulted an attorney and she recommended that I try this route before taking legal action.
Consumer complaint received 2022-09-25
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. (NJ)

Hello, My name is XXXX XXXX. I noticed Thursday XX/XX/2022 these accounts that I have listed have been opened using my personal information. I am requesting the following accounts be removed from my credit report. I am a victim of identity theft. I did not make any of these charges. The last few years Ive had to jump around a lot from place to place because I was not in the best space mentally and that led to me becoming unstable in other areas of my life. See, I lost my girlfriend a few years ago and she was eight months pregnant with our baby girl. A driver under the influence rammed into my girlfriends vehicle. Neither one of them made it and that turned my world upside down. I stayed place to place where ever I could and my personal information was stolen in the mist of it all. Please delete these items as soon as possible. I reached out to the companies and they have done nothing at all to help me! I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (NY)

I graduated XX/XX/XXXX and was told I'd get my security deposit of {$500.00} back within 2-3 business days. I did not receive it so I contacted customer service and was told I had to wait a full 30 days to give postal the " proper time '' to deliver my check. They confirmed my shipping address. 

I waited a full 30 days ( and then some ), and I contacted customer service again on XXXX through the chat feature and was told they would resend. I also called on XX/XX/XXXX. They told me they would re-send the deposit and that I should receive it soon. Yet again, I did not receive it and I contacted customer service again on XX/XX/XXXX ( another full 30 days and more ) and was told AGAIN that I had to wait another full 30 days for my deposit before requesting for another check. I am extremely frustrated as my security deposit of {$500.00} has not come back after I was very timely on all of my payments. I should not have to wait 2 months to receive a security deposit and when asked for them to investigate, they said I had to wait another 30 days...
Consumer complaint received 2022-06-08
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: EQUIFAX, INC. (FL)

I have disputed these inquiries on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and also via phone on XX/XX/XXXX directly with EQUIFAX and they have not been removed. 

Equifax : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX C Date of inquiry : XX/XX/XXXX
Consumer complaint received 2022-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AmeriCollect (NC)

Americollect, Inc are reporting two alleged debts to My Consumer Report and also are in violation of 15 USC 1692c ( a ) ; communication without prior consent. 
15 USC 1692e ; using false deceptive or misleading representation and also in violation of 15 USC 1681 ( a ) ( 2 ) must have written instructions of the consumer to whom it relates I have disputed the items with the company I've sent in several letters and upon them calling me to ask me about the debts no letter was responded too. 

This is also identity theft by obtaining personal information without prior consent in creating an account in my name without my knowledge I understand 18 u.s.c. 894 will also be violated once a police report is filed and it's already been stated to them that they are in violation of these other codes and nothing has been done I'd also like to point out according to the nmls consumer access website they aren't legally allowed to do business in the state of North Carolina
Consumer complaint received 2022-07-04
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. (CT)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/XXXX, with follow ups disputes on XX/XX/XXXX, XX/XX/XXXX and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attached and help to resolve this matter soon as possible.
Consumer complaint received 2022-09-25
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. (SC)

I sent letters to the credit bureaus on XX/XX/22 and XX/XX/22 about the accounts listed below. These accounts are showing late payments and I am sure I have never been late. I have requested a statement proving the late payments, but no verifying document has been received. The following accounts are reporting incorrectly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: U.S. BANCORP (MN)

My car was broken into wallet and credit cards was stolen fraud happened to my account fraud department froze my account so I wasn't able to make payment because I didn't have credit cards and they froze my account so I received 60 day late on credit report l.Since than I have made payments to get back on track. Police reports were made in XXXX and XXXX of 2022 Elan financial credit card.
Consumer complaint received 2022-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

I, XXXX XXXX, attempted to open a joint checking account at Chase Bank with my husband, XXXX XXXX, shortly after our marriage to deposit the checks that were given to us jointly although made out to one or the other of us. I went individually to the Chase branch in XXXX XXXX XXXX XXXX, and informed them of my wish to open a joint checking account. They said that was fine as long as my husband went into another Chase branch and finished opening the account. He went within two days to a branch by XXXX XXXX XXXX XXXX to finish opening the account, and was told by the representative there it was complete. I then proceeded to deposit checks made out to both him and me on the Chase mobile banking app. I deposited a total of {$5300.00}. Unfortunately, the person who was helping my husband did not actually complete registering him for the account despite telling him that he had, and so the checks I deposited that were written to my husband were marked as fraud. My husband returned to that Chase branch to clarify what had happened, we went together to a Chase branch in XXXX XXXX, NY to tell them and provide proof that XXXX XXXX was present with his government issued ID and saying it was not fraud that XXXX XXXX tried to deposit checks written to him from our wedding, and we called the complaint escalation number three times. We were told by everyone that the only way to resolve the fraud complaint was for Chase to contact the people who had written the checks I deposited under my husband 's name and confirm with them that there was no fraud. However, there were {$3100.00} worth of checks I deposited under my husband 's name, each one written in $ XXXX {$300.00} increments, and none of our wedding guests picked up the phone when Chase tried to call them to clarify. As far as we know, they called from an unknown number and Chase would not tell us if they left a voicemail. They also wouldn't tell us if they tried to call the wedding guests more than once. Chase closed the account, refunded me the checks written out to me ( for a total of {$2200.00} ), but still over a year later has not refunded the {$3100.00} in checks written to my husband that I tried to deposit because of this theoretical concern of fraud even though we clarified with them that there was no fraud. The issue was ultimately Chase 's mistake because an employee at their XXXX XXXX branch did not register my husband to the account despite verbally telling him that he had. Chase have given us no alternative path to resolution and has told us that there is no one higher in the organization that we can contact. They have held our {$3100.00} for over a year. 

The account was a Chase Total Checking account number XXXX.