davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-29
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)

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT 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. US DEPT OF EDXXXX : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXXXXXX 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 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 2022-11-29
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: CITIBANK, N.A. (NJ)

In Accordance with the Fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a Consumer reporting agency can not furnish an 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 2022-04-25
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. (PA)

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. 

( 1 ) XXXX XXXX XXXX Account # - XXXX has violated my rights. 

( 2 ) XXXX XXXX  XXXX Account # - XXXX has violated my rights ( 3 ) XXXX XXXXXXXX XXXX Account # - XXXX has violated my rights ( 4 ) XXXX XXXX Account # - XXXX has violated my rights ( 5 ) XXXX XXXX Account # - XXXX has violated my rights ( 6 ) XXXX XXXX XXXX XXXX Account # - XXXX has violated my rights ( 7 ) XXXX XXXX XXXX XXXX Account # - XXXX has violated my rights ( 8 ) XXXX XXXX XXXX Account # - XXXX has violated my rights ( 9 ) XXXX XXXX XXXX Account # XXXX has violated my rights ( 10 ) XXXXXXXX XXXX  XXXX Account # - XXXX has violated my rights ( 11 ) XXXX XXXX Account # - XXXX has violated my rights ( 12 ) XXXX XXXX Account # - XXXX has violated my rights ( 13 ) XXXX XXXX  XXXX Account # - XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may take 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 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 2022-09-21
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX/www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

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 XXXXXXXX Date opened XX/XX/XXXX Balance {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$38000.00}, XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$7900.00}, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Balance {$22000.00}, XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$950.00}, XXXX XXXX  XXXX Date opened Balance {$2700.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$6900.00} XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3900.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3500.00}, XXXX XXXX XXXX  XXXX. XXXX Date opened XX/XX/XXXX Balance {$4400.00}, XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$2100.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7900.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$4100.00}, XXXX XXXX XXXX ( Original creditor XXXX ) XXXX Date opened XX/XX/XXXX Balance {$9100.00}, XXXX XXXX XXXX XXXX ( Original creditor XXXX XXXX ) XXXX Date opened XX/XX/XXXX Balance {$1600.00}, XXXX XXXX XXXX XXXXXXXX ( Original creditor XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX Balance {$230.00}, XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$1300.00}, XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX ) XXXX Date opened XX/XX/XXXX Balance {$320.00}, XXXX XXXX  ( Original creditor XXXX XXXX. XXXX XXXX Date opened XX/XX/XXXX Balance {$10000.00}, XXXX XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX ) XXXX Date opened XX/XX/XXXX Balance {$1600.00}, and XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$9400.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-06-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Neon Newco Corporation (WI)

XX/XX/2022 received a XXXX Debit Card from XXXX. I did not open an account with them. I did not solicit their services. I attempted to call the company : ( XXXX ) XXXX and got the automated call run around with no option to talk to a real person. They referred me to their customer service email. When I attempted to call the other numbers for that company I was asked by recorded message to input account number which I did not do because I did not open an account and do not want to trigger activation.
Consumer complaint received 2022-11-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SYNCHRONY FINANCIAL (NY)

XXXX has sent me around XX/XX/2022, to what I believe is a false judgment against me. I was never served. The letter I got in the mail was not from an actual court. In it had collection relief companies to try and fix it. Since then, I have had random phone calls and random letters from debt collection attorneys " trying to help. '' I responded to the alleged judgement and never heard anything back. Then today, I officially got served. It is my understanding that a fake judgement is coercion by using fear and illegal to try and make me pay a debt to avoid court and other legal issues for the future. So, they falsely gave me a judgement that they did not file yet. So, it was a fake judgement to avoid the real judgement. The file I sent was the only thing I received in the mail prior to the actual legal judgment. The actual judgment was served to me XXXX.
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

INCORRECT NAME AND PLACE OF WORK REPORTED XXXX XXXX is my correct and legal name. Equifax reports it as XXXX XXXX It also reports my past place of employment as XXXX XXXX when the correct place is XXXX XXXX  These needs to be corrected asap
Consumer complaint received 2022-11-29
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: LEXISNEXIS (MS)

On XXXX XXXX, I notified the credit bureaus that the information on file is not correct. I am identity theft victim and according to Section 605B of the Fair Credit Reporting Act, which requires you to remove and block information that is on my file that I state is a result of alleged identity theft within 4 days after the notice has been received. 15 USC 1681 Section 604A states the consumer reporting agency can not furnish an account on my file without my written consent. I did not give written consent.
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-07
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)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (SC)

I received a copy of my credit report, to my surprise the bureaus are reporting the account # XXXX INACCURATELY. 

This collection account is reporting not only as OPEN but also shows a INCORRECT balance of across the three bureaus. XXXX has correctly deleted the aaccount at my request, XXXX and Equifax have not and are reporting inaccurate information. Equifax shows a balance of {$1900.00} and XXXX shows {$1900.00}. 

Also, not only are both XXXX and Equifax still reporting inaccurate and incorrect information that XXXX has already rightfully removed, but they show inaccurate date of last activity. XXXX reports XX/XX/2022, Equifax reports XX/XX/2022. 

Also, XXXX and Equifax both inaccurately report the number of closed accounts. They both report one, while XXXX correctly reports XXXX. The number of derogatory accounts id also inconsistent across the three bureaus. XXXX correctly reports XXXX, while XXXX and Equifax report XXXX. 

According to the FCRA, I have the right to an accurate credit report. It also states that reporting this harmful inaccurate information can allow me to sue for damages. 

Please Delete this account ( XXXX ) immediately from my credit report. Please provide me with a copy of my new credit report showing this account deleted upon completion, ( Account Name : XXXX XXXX XXXX XXXX  ) ( Account Number # XXXX ) Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy, completeness, and deletion of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-06-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUSTMARK CORPORATION (MS)

On XXXX XXXX using a XXXX XXXX  XXXX  XXXX XXXX to pay my local garage bill so i can get my tag at XXXX XXXX XXXX XXXX XXXX. The teller says can not used this card i thought it was local bank debt card so i took Trustmark bank card for XXXX XXXX XXXX XXXX for {$50.00} @ XXXX XXXX  Then Sunday XXXX Home Phone called XXXX Trustmark Case # XXXX XXXX XXXX {$76.00} for XXXX others are XXXX XXXX XXXX for {$250.00} And XXXX XXXX XXXX in XXXX, tn {$250.00} then it's look like Debit reversal {$250.00} that's was XXXX XXXX  Then XXXX  XXXX XXXX XXXX XXXX  Was {$86.00} on XX/XX/2022 for Fair Market Value prior {$86.00} on XX/XX/2022 for XXXX XXXX  and on XX/XX/2022 same amount same name. 
Thanks very much XXXX XXXX XXXX, Please let me know about this A.S.A. P.
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

XXXX XXXX  is not reporting payments for our home on our credit report. I was discharged and reaffirmed mortgage after bankruptcy through the HAMP program. XXXX  XXXX XXXX sold our mortgage to XXXX shortly after reaffirmation paperwork was complete. 
They need paperwork from me but they can not tell me exactly what I need and I want to sell the home soon. 
This happened XXXX - XXXX
Consumer complaint received 2022-11-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (FL)

We had an odd occurrence where our account was negative due to a few factors and things with my wife having to take some unpaid time off from work and some recent changes in our life, and when I contacted Chase to inquire about reversing the almost {$600.00} in overdraft fees, they stated they were able to only reverse ( 3 ) individual fees and not the almost {$600.00}. I explained that I have placed a lot of money through their bank as well as have ( 3 ) credit cards with them and that this is absurd. They stated they could place a request in, but it was subject to approval. Every morning I wake I am seeing more and more fees add up into my account and I don't get my Veterans Administration monthly XXXX Payment until the XXXX. I am a 100 % XXXX XXXXXXXX veteran, and my wife works from home. We are on a fixed income and are working on figuring some things out while trying to organize our finances and Chase is capitalizing by charging us exorbitant fees. This is extremely unfair treatment ofcustomers.
Consumer complaint received 2022-06-27
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. (NY)

To Whom It May Concern, Ive just reviewed my credit report and have noticed there are several inaccurate items on my report : In addition, there are a number of credit accounts that have been inactive for more than 7 years. As you know, the FCRA states that all credit older than 7 years should be removed from my report. The following accounts should be removed : PLEASE SEE SCREEN SHOT
Consumer complaint received 2022-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (OR)

Some how two months in a row I did not make the minimum payment by XXXX cents so of course my minimum payment went up the following month. When I paid the next month I paid more than the minimum due. My payment then jumped up {$5.00} to {$6.00} dollars more. I sent an e-mail asking why they would raise my payment. Their answer to me on XX/XX/2022 was " We reserve the right to change how we apply your payments ''. I have been paying on this card for years. I had a friend years ago tell me to pay off the card by writing on the check the amount of interest to be paid and put the rest towards the principle owed. Barclaycard refused to accept my payments under those terms. I feel it is not right that they can just change the rules to whatever suits them. Please tell me is this a legal practice? I feel I will never get this card paid off under their rules.
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I am disputing information that is incorrectly listed on my credit profile with all three major credit bureaus. 

The account is listed as XXXX Balance : {$4500.00} Balance Updated : XX/XX/22 Credit Limit : {$4500.00} This information is inaccurate as the credit limit is {$5000.00}. I have taken screenshots from the mobile app as well as the portal showing this to be correct which means that this must be reflected on my credit reports immediately. 

I have attached the screenshots as well as a copy of my ID for verification.
Consumer complaint received 2022-06-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IL)

XXXX XXXX XXXX, XX/XX/2022, XXXX I submitted a dispute with XXXX regarding XXXX XXXX XXXX breaking the Gramm Leach Bliley act 15 USC 6802. The reporting of these account ( s ) is/are violation of SC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 

XXXX refused to remove the creditor from my report.
Consumer complaint received 2022-11-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Synovus Bank (FL)

RECORD OF ACTIONS * Tuesday XX/XX/XXXX * Realized they were recording a delinquency * Tried to contact company on website * They do not have number listed * They asked for the account number * which you only get with the card we never received ) * XXXX * Called and spoke to employee # XXXX * XXXX * XX/XX/XXXX * He informed me that * we shouldve received the card since we sent it out * They have been reporting {$43.00} delinquency for the annual fee * I told him Id be happy to pay the annual fee, but since I never received one piece of mail I was not going to accept them reporting me late * I asked to speak to someone that could take that delinquency away. 
* He would not give me an account number or forward me to the the proper person who could help until I paid my late fee. ( Which was the very thing in question ) * Then he told me the only way to contact the people who could help was through FAX number. ( Which he refused to give me ) * CREDIT BUREAU * I contacted XXXX directly and disputed the charges * I also reported a fraud * File # XXXX * CURRENTLY * I have an pre-paid credit card account on my credit bureau that I applied for, was approved, never received and has been charging me and now has been showing me delinquent * I do not have a card, card number, account number, can not sign into the account, nor have I ever charged anything * The only way they will attempt to resolve is via FAX and only if I pay what I supposedly owe first
Consumer complaint received 2022-09-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (GA)

Kia Motors Finance issued me a check for {$4000.00} I never cashed it, it was stolen out my car I contacted kia about this matter 7 times insisting that they cancel it well they didn't so I called back again the lady stated that the check was cashed and will not be reissued this was a smack in the face this was a reimbursement check from the overage charges please help my family my son is XXXX and will be evicted soon I'm counting on this please look into this and re issue check XXXX XXXX XX/XX/1987 please mail to XXXX summer XXXXXXXX XXXX XXXX XXXX, ga XXXX