davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I have received a credit report that suggests I owe you something, but I have not seen any evidence to support this claim. Therefore, I demand that you dismiss all claims against me and remove any negative reports about me, especially if the reported items lack mandatory document evidence of verified factual proof of claim, reporting truth, accuracy, correctness, completeness, fullness, timeliness, ownership or responsibility of claim/reporting, and/or compliance with certified Metro 2 format reporting standards. I also demand that you prove your lawful authority to conduct business with me, as I will not conduct any business interaction with you under duress. If you fail to comply with this demand within 20 days of receiving this notice, you must immediately and permanently cease all derogatory or injurious actions against me, including but not limited to reporting or collecting unverified, untrue, invalid, or non-compliant claims or debts. 
Please be aware that any such behavior could be considered criminal harassment or extortion, and I will take appropriate legal action. Therefore, please rectify any alleged chicanery-laden subterfuge on my credit report by removing any delinquently reported items. 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (PA)

My CareCredit payment was due XX/XX/2021. I mailed it on the XXXX, though it was cose to pickup time, and may have been picked up on the XXXX. 

It should have been there in the XXXX it was processed on the XXXX. When I called about the late fee, they said I had already had it waived 5 times and the couldn't do anything about it. Unless the law has been changed, as long as the payment is postmarked by the due date, it is legally on time. All prior waving of fees was for the exact same reason. 

If it is good enough for the IRS, why is not good enough for the banks?
Consumer complaint received 2018-12-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Admin Recovery, LLC (MA)

Caller called 4 times in less than 24 hours including calling my workplace and did not verify my information before going into a statement on collecting debt. He called on XX/XX/18 at XXXX XXXX ( left a voicemail ) and called immediately again at XXXX XXXX. He then called on XX/XX/18 at XXXX XXXX and then called my workplace at XXXX XXXX. I told him not to call me repeatedly. 

The company name was identified as Admin Recovery.
Consumer complaint received 2021-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AMERICAN EXPRESS COMPANY (MI)

Transferred to XXXX financial to handle payment processing in early XXXX alleging " acct significat past-due ; '' pmts on-time ; changed to another collection agency for processing pmts. no contact ; could retrieve statments using URL available through instructions. Told acct not handled by American Express. I have not received statments in nearly four ( 4 ) months despite continuing to reside at same address. 

Received first communication from second agency XXXX on XXXX XX/XX/XXXX claiming " opportunity to regain card membership. '' Prior reinstatement agreement cancelled by AMEX alleging " significatly past-due. '' In light of this " offer '' allegation of serious past-due payment seems to have been ploy to reduce risk exposure by cancelling out garunteed reinstatment of high-tier card ( platinum ) to place in lowest-tier card without any benefits with annual fee. 

AMEX claims this " new '' reinstatmenet through XXXX is because of my prior " relationship '' with Amercan Express, yet it was that same " relationshp '' American Express alleged caused the account to be closd in XXXX after a double-payment in an alleged single statement period caused computing system to allege payment was late for subsequent month ( s ). This was also after AMEX " lost '' a two-thosuand dollar payment that was wired to them through the FED a few months prior in that same year.
Consumer complaint received 2017-05-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCC Business Services, Inc. (GA)

NCC BUSINESS SERVICES XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Reporting to my credit X/XX/17. Negative impact to my credit by NCC Business Services. I never received any written knowledge of this debt. I do not have any known knowledge of this debt nor the reason as to why I am being affected by the debt. I request validity of the debt, including signatures, photos, any pertinent information that can confirm the validity and ownership of this debt.
Consumer complaint received 2021-11-04
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. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters since XX/XX/2021 with regards to my request of removing the items in question and my last request was sent XX/XX/2021. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-07-19
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (MD)

On XX/XX/2022, I sent Synchrony/Mattress Firm a certified letter regarding the account in question, in which they are claiming that I owe {$580.00}. I explained to them that I do not owe what they are saying I owe and the letter was a formal notice that their claim is disputed. I also requested validation ; that is competent evidence bearing my signature with my social security number, showing that I have ( or ever had ) some contractual obligation to pay them. In addition on XX/XX/2022, I sent another certified letter and this is my 2nd attempt trying to get this resolved and OFF my credit report.
Consumer complaint received 2022-07-19
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. (CA)

In accordance with the Fair Credit Reporting act 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 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 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 XX/XX/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 2022-07-19
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: NAVY FEDERAL CREDIT UNION (FL)

There are several inquiries on my credit account that should not be there. I have already contacted the bank and other financial institutions regarding the hard pulls. I will like these removed asap. These hard inquiries are affecting me in many ways.
Consumer complaint received 2022-07-19
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX # XXXX, Gap # 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 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 XXXX XXXX XXXX XX/XX/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 2024-02-21
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (CT)

Based on a recommendation from XXXX XXXX I opened a credit card account with Ally Financial Inc . The premise behind opening this account was due to the fact that XXXX XXXX and Ally Financial stated that this would improve my credit score. In addition, they both recommended that I utilize this card to pay gas and food bills. So, I did.

I pay off all of the charges that I incur on a biweekly basis and have never missed a payment. Ally 's website confirms the aforementioned information. My credit score went down by over XXXX points and is still dropping. There is no reasoning for this. 
I contacted customer service as was told that the negative credit was due to using their credit card and nothing to do with my payment history. Note : Again, I pay off my balance on a biweekly basis. This is false advertisement by XXXX XXXX and a scam by Ally Financial Inc . Please advise.
Consumer complaint received 2022-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a letter to the 3 Credit Bureaus last XX/XX/2022 requesting the investigation, verification and update of these suspicious accounts I found on my Credit Reports. I think that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against the 3 Credit Bureaus because because of their willful non-compliance of the dais FGCRA statute. These accounts were already included in my prior complaint last XX/XX/2022, and I'm including it again. The following accounts : XXXX XXXX XXXX XXXXXXXX XXXX Owed : {$6600.00} DEPTEDXXXX XXXX Balance Owed : {$23000.00} DEPTEDXXXX  XXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} ; must be updated to reflect accurate information on my Credit File.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-07-19
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/2022, I completed an application to open an XXXXInherited IRA XXXX with Merrill/Bank of America due to the death  of my mother. I was initially asked for a copy of my driver 's license and social security card which I provided. They also asked me to confirm any dollar amount of an auto loan debt or credit card that I currently owned- which I confirmed. 

The Representative asked me if I was currently employed and I explained to him that I was not at the time. The representative asked if I was previously employed and I explained to him that I was. I provided to him my last paystub that also had my current address on it. 

In addition- he asked if I could provide a utility bill and I explained to him that I am currently living with a relative and that the utilities are not in my name. He then provided a list of documents that I could select from for address verification. I chose the 'W2 ' option which I provided him a copy of. 
I received an email yesterday XXXX, 2022 asking for additional information. I now feel that I am being discriminated against.
Consumer complaint received 2022-07-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (TX)

On XXXX I attempted to make my credit card payment online using the same information I have used before and I got an error payment not processed. Checked all info is the same complete and accurate. Asked me to call a number. I tried again today XX/XX/19 got the same message then I called the number listed. Then used the automated system to make payment but again I got a recording that payment can not be processed. When asking to speak to someone recording says they will charge me XXXX dollars to make a payment with a representative, which sounds abusive because I have been trying through the free options and its impossible. It is unfair to pay fees when I have been trying to pay and system is not working. Makes me feel they are trying for clients to get charged fees. Anyways even when I tried to talk to someone kept me waiting for XXXX for a live rep no response yet. Its been impossible to resolve this issue.
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (MI)

I submitted a disputed regarding an inaccurate bankruptcy account that Lexis Nexis has under my name and social security number. I also requested Lexis Nexis to freeze any information they have under my name and social security number. I exercised my rights by submitting a written dispute with my name and full social security number. In turn I was refused a freeze and refused a dispute unless I provide them with more personal info e.g. my driver 's license number etc. I already provided them with my full name, address and social security number. This company is providing others inaccurate information that someone else published inaccurately.
Consumer complaint received 2016-02-29
Product: Credit card — 
Issue: APR or interest rate — 
Company: AMERICAN EXPRESS COMPANY (AL)

American Express has changed my promotional 0 % APR to the 29.49 % penalty APR, claiming that a payment by my bank was returned unpaid. However, my bank tells me that this payment was fully honored by them. As a result of Amex 's actions, I have been charged {$54.00} in illicit interest ( in addition to what may be charged on the XX/XX/XXXX statement ), and my {$5.00} payment was not properly applied to my account. American Express customer service representatives have been unable or unwilling to research the issue.
Consumer complaint received 2018-03-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (MD)

I am a XXXX XXXX XXXX XXXX XXXX XXXX veteran. I am unemployable as I am almost XXXX XXXX. I have a student loan with American Education Services. I was paying them up until my unemployment check was available. Now, I rely only on my XXXX compensation check from the VA to sustain myself and my family. It is already hard enough to make ends meet, as I have a son in college and a XXXX years old daughter. I have tried many times to ask to cancel my loan, or at least to reduce my monthly payments, but I was denied each and every time. I have sent all documentations they have requested that show my XXXX, but their answers still the same, I have to pay {$750.00} each month. Now, they send me to collection. Would please help me. Thank you.
Consumer complaint received 2022-01-19
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: Experian Information Solutions Inc. (GA)

Over the past 2 months I have sent 2 letters to the credit bureaus about accounts in collections. I asked for validation and original contracts for each collection. The accounts still remain and have not been fully validated.
Consumer complaint received 2023-08-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CA)

On XX/XX/2023 I received a wire for {$15000.00} when the wire was received I went to wire the money to another party in US Bank called me from the fraud department and shut down my account immediately. I was told within XXXX hours a letter will be mailed to me explaining that the end of the relationship it is now XX/XX/XXXX. I am yet to have any letter and they are still with holding my funds. I spoke to the supervisor. He said that hes not allowed to speak to me cause Im no longer a client and that I would have to wait up to XXXX calendar days for my funds. There was no fraud that occurred at all in the money can be proven from the sender. US bank is holding my money, which they have the right to close my account and in the business relationship, but have not sent me any type of formal letter and they said I can wait till XXXX or XXXX at the latest. This was on a recorded line. I am requesting that US Bank release my funds as my account is still active on hold, and I have automatic payments that are bouncing left and right that are starting to affect my credit due to the fact that theyre withholding all my funds to my name.

US Bank does have the right to close accounts but I do have the right to be notified within a timely manner in a form of US mail since electronic mail is. No longer available because they have shut down my accounts but my account is still active within the bank.

There has to be some type of legal remedy and a letter that must come to me stating that my account is on hold under review, etc. etc. instead US Bank send you directly off the line stating that the department that is reviewing it and closes it will not be available to speak to anyone as they are in a secure environment I want my funds released in a form of a cashiers check his promise, and I have not received one letter or any type of communication, and when I asked for my balance, they said I could not get it because theyre not allowed to disclose it because Im not a client where are my funds
Consumer complaint received 2022-07-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (MN)

My account was frozen and closed by CitiBank. I was informed of this via email, and it happened immediately - I could not dispute it. I have an outstanding balance of {$1500.00} remaining in the account. I was told that I must wait for them to complete the full closure process and I will not receive my funds ( the {$1500.00} ) until 30-60 days, and that the funds will be sent via a check in the mail. I have attempted to contact CitiBank multiple times and have spent approximately 8 hours on hold or on the phone with agents. On the most recent call, today ( XX/XX/2022 ), the representative hung up on me after I expressed my concerns.
Consumer complaint received 2022-07-19
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: CAPITAL ONE FINANCIAL CORPORATION (MS)

In accordance with a fair credit reporting act [ XXXX XXXX  # XXXX, XXXX  XXXX XXXX XXXX, CAPITAL ONE # XXXX ] has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy.

Under 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-03-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MA)

XX/XX/2018, Amount {$350.00}, companies involved : Chase and XXXX I purchased XXXX XXXX tickets through XXXX but fell for a scam. I sent payment through Chase/XXXX but never received the tickets. 

I called Chase within 10 minutes when I realized that I was the victim of a scam and spoke to at lease three Chase employees on the phone. But they claim there is nothing they can do to stop the payment and even told me I shouldn't file a police report because I initiated the payment!!! The payment was actually showing pending for at least five hours on Chase.com but Chase did not do anything about it.

I also filed a police report on this crime to my local police department a few hours later.