davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

On XX/XX/2023 money was withdrawn from my checking account. Five transactions were made from an ATM machine in XXXXXXXX XXXX. Three for {$300.00}, one for {$280.00}, and one for {$100.00}. I filed a dispute and a few days later chime informed me that during their investigation they found no error so no funds would be credited to my account.
Consumer complaint received 2022-05-15
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. (GA)

1 : XXXX XXXX XXXX XXXX XX/XX/2021 ( Ive contacted this company to remove inquiry but to no avail. ) 2 : XXXX XXXX Used Cars- inquiry from XX/XX/2021. 

3 : XXXX XXXX XXXX inquiry from XX/XX/2021 4 : XXXX XXXX inquiry from XX/XX/2021 XXXX : XXXX XXXX XXXX- inquiry from XX/XX/2021 XXXX : XXXX XXXX- inquiry from XX/XX/2021 7 : XXXX XXXX XXXX XXXX inquiry from XX/XX/2021 8 : XXXX XXXX XXXX- inquiry from XX/XX/2021 9 : XXXX XXXX XXXX inquiry from April 2021 10 : XXXX XXXX XXXXXXXX XXXX XXXX- inquiry from XX/XX/2021 2021
Consumer complaint received 2022-10-06
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. (MI)

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, Base on, 15 U.S. Code 1666 ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor, because I am a victim of identity theft! Please remove these accounts as soon as possible! 

Based on. 

1

5 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of my information, the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt.

Its been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

XXXX XXXX XXXX  has been going under three names in my credit report as : XXXX XXXX XXXX  XXXX XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ). As of this date XX/XX/XXXX they were removed twice and reappears on my report under one of the different names. Please remove this account as soon as possible! 


UNAUTHORIZED ADDRESSES : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Accounts : XXXX XXXX  Bankruptcy Account XXXX Account XXXX Balance : $ {$0.00} XXXX XXXXXXXX XXXX XXXXt XXXX Account XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Account Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Number : XXXX Account Opened XX/XX/XXXX Balance : {$420.00} XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX Account Opened : XX/XX/XXXX XXXX : {$420.00} XXXX XXXX : Inquiry Name : XXXX XXXX XXXX XXXX XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX  XXXX Inquiry Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX
Consumer complaint received 2023-03-09
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. (GA)

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

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXXL ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2022-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (NY)

This happened with Barclays credit card two days ago and they haven't resolved the problem. I checked my checking account as I do every morning to avoid surprises. Unfortunately, I noticed a double charge of {$350.00} from Barclays on that account in regard to this credit card payment. I automatically called their customer service, spoke to the manager who insured me that many customers, especially customers from U.S have been calling in that regard, and they are working to fix the problem. Because I already paid my credit card bill and budget my account accordingly, this checking account went on overdraft mode, and I was forced to quickly replenish my account to avoid fees. The manager promised to do everything at her end to fix the problem before the end of the day. Unfortunately, I woke this morning and noticed that my checking account was credited and debited right away. I called again spent time explaining again, and they apologized and promised to fix it. I believe that they have a breach in their security system, which is really alarming. As of the time I am writing this they haven't fixed the problem.
Consumer complaint received 2022-08-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EOS Holdings, Inc. (PA)

I am XXXX submitting this complaint against EOS CCA and there is no third party involved. EOS CCA did not provide me with sufficient documentary evidence such as tracking number or some type of signed delivery slip by me the consumer, proving that I received and was made aware of collection activity of this alleged debt, this alleged debt had been fraudulently placed onto my consumer report with forethought and malice to being harm to me and my financial reputation. They did not follow the proper procedure under the new FDCPA laws Effective XX/XX/2021, an amendment to Regulation F, which implements the FDCPA, in which protects consumer from improper reporting.
Consumer complaint received 2022-08-09
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. (TX)

XX/XX/XXXX of 2022 I submitted a dispute with XXXX 's National Consumer Assistance Center regarding account XXXX XXXX. This account has been reporting inaccurately for almost two years now. Every time I try to dispute this account, XXXX update the account with new information and the information that's being updated is still inaccurate. According to the FCRA, I have the right to an accurate credit report and this account has been a burden in my life because of the way the account is being reported. It's been reporting inaccurately for almost two years now and it's continuing to be updated with inaccurate information. This account is also being reported inaccurately across all three major consumer credit reporting bureaus. XXXX along with the other two credit bureaus Equifax and XXXX is violating my rights. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ]
Consumer complaint received 2022-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (TX)

unlawfully garnished the accounts Financial institution for processing illegal, out-of-state garnishment orders against its my bank account. Financial institution unlawfully froze my account, garnished funds, and sent payments to fake creditors based on out-of-state garnishment fake court order. Its a fake order because it was not a judge or real court meaning being recognized by the state constitution. There is not proof that a real court order exist, a real judgement and writ of execution to collect a debt does not exist. All writs and process issuing from a court of the United States shall be under the seal of the court and signed by the clerk thereof. Also the program that claimed to be creditors are not listed as debt collectors and not registered with the Secretary of State of Florida to do business or to be able to collect a debt. They did not credit me anything, they have not validated any debt or given any consideration to I. Equity will not allow a statue to be used as a cloak for fraud. 

Unlawful garnishment that has injured me and caused involuntary servitude. Financial institutions cooperation with corsairs ( con-artists ) at the expense of me. Also if debt can only be paid with gold and silver according to the article 1 section 10 of the u.s. constitution why did that take currency from my account. 

garnishments that are usually designed to make sure people have money left to live on following garnishment. Financial institution left my account balance was left to XXXX balance. 

I do not ingress in florida where the fake order was established.
Consumer complaint received 2023-03-09
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: EQUIFAX, INC. (LA)

The unverified accounts indicated below were reported on my credit report in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I value your help to REMOVED a portion of the data XXXX my credit file that came about because of a FRAUD yet I have an Accounts 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 # XXXX. 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 Balance : {$9800.00} XXXX XXXX Balance : {$470.00} XXXX OF XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$2300.00} XXXX  XXXX Bankruptcy Reference # : XXXX Liability : {$0.00}
Consumer complaint received 2022-05-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BROKER SOLUTIONS, INC. (GA)

New american funding has handled my entire loan modification unprofessionally. They said it takes up to 60 days to process but it took longer because their staff is unprofessional, unorganized and unethical. I have been stressed beyond measure because I can not get a payoff quote to sale my house. There customer service reps are all untrained and give different info depending on who you speak with. Supervisors are never available and its impossible to speak with a manager. My issue has been escalated for 3 months and this company has done nothing but slow the process and make mistake after mistake.
Consumer complaint received 2023-03-11
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. (IA)

I tried resolving this matter several Times with Equifax no resolution. I also listed All Fraudulent inquiries as well. Please allow Equifax Consumer Affairs Dept resolve this issue. 
Thank you again XXXX XXXX
Consumer complaint received 2022-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: First Technology Federal Credit Union (GA)

I am trying to get assistance and resolution for non payment of an account bonus with XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I submitted an application for a new checking account based on an offer XXXX XXXX was running for a {$300.00} bonus. The checking account needed to be opened using a promo code XXXX. During the application process, I received an error but the account was still opened per an email I received on XX/XX/XXXX. On XX/XX/XXXX, I called XXXX regarding a question had on a different promotion related to the share/savings account, but also inquired about the promo code for the new checking account. The rep I spoke with advised that she saw I was enrolled and that I just needed to fulfill the requirements for the checking account each month which were XXXX. To be enrolled in e-statements, XXXX. Have a monthly XXXX deposit of {$1000.00} or more, and XXXX. Have at least XXXX debit transactions that totaled more than {$500.00}. 

I proceeded to use my account and complete the activities necessary to qualify for the bonus. At the end of XX/XX/XXXX, I realized that I had still not received the bonus. I contacted XXXX XXXX on XX/XX/XXXX inquire about it. The rep I spoke with stated that she did not see the promo code added to my application or account, so she submitted case # XXXX to the marketing team to have it applied. She contacted me back the same day and advised the case had been approved, would be reviewed by their team to confirm the qualifications had been met, and that this process would take about XXXX weeks. 

After XXXX weeks had passed, the bonus was still not showing in my account. I contacted XXXX XXXX again on XX/XX/XXXX. The rep I spoke with stated the bonus was denied because I did not meet the qualifications. After we discussed the dates and transactions on my account, the rep reviewed my account with the help of her XXXX and submitted another case # XXXX. On XX/XX/XXXX, I received a return call from her stating that the marketing team had denied the case because they said I did not meet the qualification for the XXXX of XXXX, specifically the transaction total, however this is not correct. 

Based on my review of the account, My statement cycle in XXXX was from dates XXXX and when you look at my full transaction history, I have the required number of transactions, total debit card spend XXXX {$500.00} for said transactions as well as the necessary ACH deposits. The specific transaction that pushed my total debit card spend was made on XX/XX/XXXX, in the amount of {$520.00}. Per the rewards tracker portal that XXXX  XXXX  has, they are categorizing the transaction made on XX/XX/XXXX as part of the statement cycle dated XXXX, which is disqualifying the bonus. Page XXXX of my Full transactions statements file shows the transaction was dated XX/XX/XXXX. I have also included the rewards statements for dates XXXX & XXXX showing where the debit card totals are showing the incorrect sums.
Consumer complaint received 2022-08-01
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. (GA)

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$1100.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-08-23
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 (LA)

Regarding Ashley Furniture - Synchrony Credit Card Since I complained AGAIN in XXXX they lowered my credit limit from {$1100.00} to {$260.00}. They said that it was due to my credit score. But my credit score was higher than it was when I was originally approved for the card. Lowering my credit limit caused my credit score to drop XXXX points!!! 
On XX/XX/2022 I entered an order online for a dresser/mirror combination for {$550.00}. I decided that I didn't want it and canceled it XX/XX/2022 online. It was canceled within XXXX hours. After it showed up on my account as delivered I sent in a dispute form. I called Ashley Furniture and they told me to get in touch with Synchrony Bank. I called Synchrony in XXXX, XXXX, XXXX & XXXX. The last time I spoke with someone there, he said that the cancellation was just entered in XXXX and I would have to wait TWO MONTHS for it to show up on my account. Now, even though they owe me {$550.00} I keep getting emails telling me that my payment is late. I have kept paying the payments early so it wouldn't adversely effect my credit rating. But I'm not going to keep paying them while they owe me money!! According to them I owe them {$58.00} that is showing late on my statement.
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

XX/XX/XXXX. XXXX XXXX date of birth XX/XX/XXXX social ends XXXX XXXXMy complain.i always pay money I use on my credit card on time, I make sure every week I pay money have used. yesterday XX/XX/XXXX at XXXX the credit bruel put me in collections/charges and drop my score points, and update was saying XX/XX/XXXX when we are still in XX/XX/XXXX At XXXX I need some explanation they tell me why. I tried took to customer care they said they don't not.
Consumer complaint received 2022-05-15
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. (FL)

I have submitted disputes to you amd i didnt get a response within 30 days and yall are required by law to do so. Please investigate my disputes, please. Thank you
Consumer complaint received 2022-08-01
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. (MD)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections XXXX09 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below. 
XXXX XXXX XXXX Balance : {$270.00} XXXX XXXXXXXX XXXX Balance : {$510.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX : {$16000.00}
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: Experian Information Solutions 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. 

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
Consumer complaint received 2022-05-15
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 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 2022-05-16
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. (AL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-15
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 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.