davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-14
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Anv 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. 16815-2 ( A ) ( 1 ) A person shall not furnish an information relatina to a consumer to anv consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DLC, LLC (UT)

So Ive tried to dispute these accounts that show on my credit report and wasnt able to get this situation resolved. These accounts where opened with out my knowledge and i believe they should be taken off my credit! My identity was stolen when I lost or miss placed my wallet and my social security card was in it as well as debit cards and picture Drives license.
Consumer complaint received 2022-10-03
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. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (NY)

Was just reviewing my credit report due to a notification that indicated a change in my score and have noticed a hard inquiry without my consent to jpmcb as I have not made this attempt and/or applied to them in XX/XX/2022
Consumer complaint received 2022-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (MA)

My father XXXX XXXX passed away XX/XX/XXXX. 
We closed his account in XX/XX/XXXX ( spoke with XXXX ) ( we didn't close it last winter since some items like his internet were being charged to the account ) My father had the account set up for autopay coming out of his checking account. 
There was a debit for over {$800.00} for the credit card over the summer. 
Obviously my father is not charging to the account. 

I can not see the statements. I have made multiple requests over the last few months to get copies of the statements and info on the charges to his account. 
First I was told to wait 2-3 weeks until his account was in the probate department. Then I called " probate '' only to find out it is a collections agency. ( XXXX ) ( which they have now zeroed out his account ) but I still can not get access to his past statements to review for possible fraudulant charges. I have made requests ( XX/XX/XXXX XXXX, XXXX XXXX ). They keep saying they will send me something, and I have yet to received anything. My reference number is XXXX I have both his death certificate and letters of testamentary. 
Account number is XXXX citi mastercard
Consumer complaint received 2022-08-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MI)

I had this credit card which I believe was XXXX XXXXXXXX card my purse came up stolen with all my cards and other information my XXXX XXXX card was on of them with the sign in to my account I had written down in my purse I report it stolen with my identity they never lock or block my account so the person had my card had to been using my card repeatedly and some kind of way was paying my bill some type of way in they just kept using it until the run my credit up to XXXX something dollars in my credit limit was even that high so I don't understand how could they let someone charge that much on my stolen credit card XXXX XXXX XXXX they have did a court thing the have add on my credit report that's hurt my credit score they have sent it to a collection agent call PYOD LLC
Consumer complaint received 2021-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (MD)

Sunday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MD XXXX SSN : XXXX | DOB : XX/XX/XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : Account Name : SANTANDER Account Number : XXXX Reason : I don't recognize this account Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file. 

Thanks, XXXX XXXX
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (MS)

My record has been dismissed and expunged by a judge in Mississippi. This happened XXXX of 2020. 

Each time I apply for a job, I get a failed background check result under the category Other. There was XXXX charge however it lists multiple times under other statue numbers. It also reports a conviction. That isnt further from true. I wasnt convicted. 

Is keeping me from valuable employment opportunities and causing myself and my family intense stress and anxiety.
Consumer complaint received 2022-11-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (TX)

Apple Card/Goldman Sachs processed a payment for an ongoing subscription service I did not authorize. They then failed to send me a statement of make an effort to notify me of past due account reporting this a a delinquent account to the credit bureaus destroying my stellar credit rating over {$44.00}. 

I would not have been aware of this if it had not been for a credit monitoring service I have provided by XXXX. I paid this balance in an effort to mitigate the records but apparently, the damage has been done. I have closed this account but this report remains.
Consumer complaint received 2022-11-14
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. (FL)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -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 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 an account without my written instructions.
Consumer complaint received 2022-11-14
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: CITIBANK, N.A. (PA)

XXXX XXXX XXXX - Was told it was a soft inquiry XXXX Delete XXXX XXXX XXXX Bank XXXX Was told it was a soft inquiry - XX/XX/2022 - Delete Inquiry CITI CARDS CBNA - Was told I was pre-approved - XX/XX/2022 - Delete Inquiry CITI CARDS CBNA - Was told I was pre-approved - XX/XX/2022 - Delete Inquiry XXXX CARD - Was told it was a soft inquiry/pre approval - XX/XX/2022 - Delete Inquiry XXXX XXXX - Was told it was a soft inquiry loan - XX/XX/2022 - Delete Inquiry Cross XXXX XXXX XXXX Was told it was a soft inquiry I later took out a loan from them and now it appears twice - XX/XX/2022 - Delete Inquiry
Consumer complaint received 2022-11-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (NV)

Paypal , Inc. Paypal arbitrarily limited/froze my account of 21 years, without an explanation even after requests for one. They claim a violation of TOS but were not willing to explain to me what violation had occurred. I requested that the account be closed, and my linked financial information ( bank account, credit cards ) be deleted, out of concern for a potential security breach in the future. In other words, as I am not able to use the account, I want it closed. They will also not close the account, leaving my financial information extant for anyone to see and potentially misuse. I want the account closed, and my financials deleted, proof to my satisfaction. They are still refusing to do so. I have opened a case with the XXXX  about this to no avail. I never consented to Paypal 's permanent retention of my bank account information or credit card information, and I have never heard of a personal account being kept open but frozen when the customer wants it closed.
Consumer complaint received 2022-11-14
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)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please re-investigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. I am formally requesting to remove or update the following Accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission : XXXX XXXX Balance Owed : {$8400.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-11-14
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: U.S. BANCORP (VA)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 
Under 15USC1681 section 602 states I have the right to privacy.

15usc1681604A Section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. 
Under 15usc1666B a creditor may not treat a payment on a credit card account under an open end credit plan as late for any purpose.
Consumer complaint received 2022-11-14
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. (AL)

Upon reviewing my updates, unauthorized inquiries are being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX XXXX  XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX BANK Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (GA)

My complaint is with Care Credit. On XX/XX/XXXX, I had an outstanding balance of {$5000.00}. {$3100.00} was in " regular interest-accruing purchases '' ( or promotions that have run out and I'm now paying interest on ) and {$680.00}, {$190.00} and {$970.00} are promotional purchases. I investigated where my payments are going and none go to the promotional purchases. I looked up the contract. It specifically states you can decide where your payments are applied. Looking over my history - I see all payment go to the interest earning amounts so none go to the promotional amounts. Therefore, the promotions, for me anyway, have been useless, completely deceptive and have cost me {$100.00} 's if not {$1000.00} 's over the years. I called on XX/XX/XXXX to speak to customer service. First of all, you wait 30-60 minutes to reach someone. Then the person I spoke with could NOT understand, or did not WANT to understand how I wanted my payment to be applied. After much frustration, I asked for a supervisor and he would NOT transfer me. So, I started the process again. Waiting forever on hold then speaking with another man who was VERY understanding. After much discussion, he was going to apply {$140.00} to my {$680.00} promotional purchase, {$25.00} to the {$190.00} promotional purchase and {$170.00} to the {$3100.00} balance He even gave me details stating that I would then owe {$540.00} on the {$680.00} balance and {$170.00} on the {$190.00} balance and {$3000.00} on the {$3100.00} balance. After this payment posted it all went to the {$3100.00} balance. This will mean I never pay of the promotional purchases within their time frame. I called back on XX/XX/XXXX, only to wait again forever, and finally hung up. This is fraudulent behavior and I am willing to fight this to the end. There are a myriad of complaints about this company and nothing has seemingly been done by the XXXX. Care Credit 's website states payments can be applied as desired ( I'm sure it is within some guideline around minimum payments but that is NOT stated, however I paid well above the minimum payment required ). Researching I see that this has always happened with Care Credit on my account. I was very upset for days about this. Their practices are and fraudulent. PLEASE HELP. I WILL NOT SPEND HOURS WITH CUSTOMER SERVICE EACH MONTH TO CALL IN AND EXPLAIN MY DESIRE TO SOMEONE THAT " DOESN'T UNDERSTAND '' OR DOESN'T SPEAK MY LANGUAGE - ONLY TO HAVE THEM COMPLETELY LIE TO ME ONCE I GET SOMEONE THAT SAYS THEY WILL HELP. I will pay this off and never use this card, or any card, associated with Synchrony Bank again.
Consumer complaint received 2015-07-24
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

After experiencing a hardship period, we sought legal and financial counseling from bankruptcy attorney and HUD counselor. We filed bankruptcy, aggressively sought to devise and maintain family budget with every household member contributing to household expenses. This over a few months started to take some positive shape. We have been working with a HUD counselor to apply for a mortgage loan modification. XX/XX/XXXX we submitted out initial application packet with required documents via our HUD Counselor via HOPE Portal. This certainly gave us XXXX that our family would not lose the roof over our heads thru foreclosure. We understood that the application process would be much more streamlined end-to-end via our HUD Counselor who would directly upload all documents and communicated via HOPE portal with Bank of America ( BOA - my mortgage company ), What we have found is that we ( myself and HUD counselor ) have met all deadlines yet BOA keeps creating delays. I was strongly advised to file this complaint because BOA continues to sit on the documents uploaded in the HOPE Portal and allows them to expire month after month! Moreover, they have changed contact person handling my application XXXX times since the process was started in XXXX 2015. Each time a new Customer relationship manager ( CRM ) is introduced, they take weeks to familiarize themselves with my file and missing weekly update calls that they schedule with me thus allowing documents to expire again! Recently my newest assigned BOA contact surprisingly asked me to review, notarize and return within XXXX days some documents for our County Deed Recorder which was missed during my XX/XX/XXXX modification. This has nothing to do with the open XX/XX/XXXX modification application actively under review from what I understand OR does it? Bank of America offered me a {$500.00} incentive to compensate me for my time and effort in getting these XX/XX/XXXX modification documents completed, notarized and back to them asap!?! I do n't understand exactly know what to do with this unexpected element now in the mix - at the tail end of a new modification application! Firstly, I 'm not a legal person and want to make sure I am not doing something that will put me further in the hole financially!!! 
We were told a decision on the modification application would have been made weeks ago, yet they have managed to continue to delay a decision on our current modification application. We continue to sit on pins and needles wondering why?!?! XXXX will be here before we know it and still no answer .... Please help! Just HOPE we get a fair option or decision to make our life work for our family. Sincerely
Consumer complaint received 2022-11-14
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. (NY)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX* Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2022-11-14
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)

XXXX has lied about results on a dispute. I had no late payments and XXXX has had no communication XXXX. XXXX also denies my account is closed which was information also submitted by XXXX. XXXX gave me acces to documents demonstrating they made an error in reporting late payments
Consumer complaint received 2022-11-14
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. (NY)

I have wrote to each credit reporting agency and also called. They did not provide me with any information or help for these unauthorized inquires : 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
Consumer complaint received 2022-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (DC)

I have repeatedly disputed and disputed with Equifax regarding negative hard feelings inquiries should be deleted from my report as well as with XXXX but I feel like no matter what I do they are ignoring me regarding my credit report.
Consumer complaint received 2022-01-05
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. (LA)

I was taken advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and defamation of character.