davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-20
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. (OH)

XXXX XXXX XXXX is a closed account and shows a XXXX of {$3700.00}. 
XXXX XXXX XXXX was reported on in XX/XX/2016, and now states an open date of XXXX XXXX, which is completely false and inaccurate. I have no knowledge of either account.
Consumer complaint received 2021-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (OH)

I have had a 'medical ' credit card account with Synchrony Bank for years. To my knowledge, I had never missed a payment towards my bill. 

In XX/XX/2021 I added a 'new payment method ' to my account with Synchrony Bank ( medical credit card ). This payment method was my XXXX Checking Acct '. I did this so that my payments towards this credit card would be taken out of my XXXX since the credit card is specifically for medical billing and my HSA is for medical, as well. 

After setting up the payment info electronically, when it was time for my regular monthly payment to be taken out of my XXXX, 2 payments did not go through. I contacted Synchrony and learned that 'something was wrong ' with the account number with the XXXX  Checking account that I added to my Synchrony account as a 'payment method '. Synchrony told me my account was okay and that I did not need to worry about making any payments until my next bill. 

I contacted my credit union and learned that due to security reasons, my HSA Account number reflected on my XXXX XXXX Statement was missing 'certain numbers '. As a result, that's why the payment transfer did not go through successfully ( I didn't have ALL of the account number when I set up the transfer ). I was not aware of this security protocol when I set-up the transfer between XXXX and Synchrony. 

In XX/XX/2021, I abruptly learned that my Synchrony Bank credit card was closed. The credit card company never called and informed me that there was something wrong with my account and that my account was at risk for closure. So, I called Synchrony Bank and spoke to a Supervisor. The Supervisor informed me the reason for my account closure was due to 2 missed payments in XXXX. I informed the supervisor what happened regarding the mishap ( account number ) between my XXXX and Synchrony. I informed her that I spoke directly to Synchrony 's Call Center when this mishap occurred and they ( the agent over the phone ) told me there was no problem and I did not need to make a payment until the next time by bill was due. The supervisor responded and said 'Synchrony Bank has the right to close accounts whenever they want '. She ignored the fact that their agent lied to me and never told me my account was at risk for closure. 

I asked the Supervisor for the phone number to a person above her and she reported there was no number, that the only way for me to reach someone else would be to write a letter. I reiterated that 'no number ' was available for another supervisor, and she reported 'no '. 

Since this incident occurred, I no longer have a medical credit card to help me with the burden of medical expenses. As I mentioned already, my credit is in great shape and I had never missed a payment. I feel Synchrony Bank needs to be investigated and as a consumer I did everything that I was told to do by their agent, however ; my account was closed and my concerns were ignored.
Consumer complaint received 2022-04-01
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. (NC)

To CFPB In accordance with the Fair Credit Reporting act these creditors has violated my rights. 

XXXX Act # XXXX -XXXX Act # XXXX -XXXX XXXX Act # XXXX -XXXX XXXX XXXX Act # XXXX -XXXX  Act # XXXX -XXXX  Act # XXXX -XXXX Act # XXXX -XXXX XXXX XXXXXXXX Act # XXXX -XXXX  Act # XXXX XXXX Act # XXXX -XXXX  Card Act # XXXX -XXXX XXXXXXXX Act # XXXX -XXXXXXXX XXXX XXXXXXXX Act # XXXX -XXXX  Act # XXXX -XXXX XXXX Act # XXXX XXXXXXXX XXXX  Act # 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 a account without my written instructions
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

The credit bureaus violated my given rights under 15 USC 1681 According to : 15 USC 1681 Section 602A States I have the right to privacy According to 15 USC 1681 Section 604 A Section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions According to 15 USC 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX
Consumer complaint received 2022-10-20
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)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

On XX/XX/22, I deposited a check for {$35000.00} at Citibank Branch Located at XXXX XXXX XXXX, XXXX XXXXXXXX XXXX. The check was deposited into my Business Checking. Account name : XXXX XXXX XXXX, account number XXXX. I am a signer on the account and my name is listed on account. 

The check was made out to me, XXXX XXXX and was issued by CA Covid19 Rent Relief Program through their bank XXXX XXXXXXXX XXXX XXXX. 

Approximately {$18000.00} was made available immediately I withdrew {$8500.00} as I was told by the teller at this location that they did not have enough cash on hand to deliver rest of the cash that was not on hold Teller advised that the release of the full amount of funds would occur on date XX/XX/22 On date XX/XX/22 I was informed that my account is being investigated and would likely be closed because of the amount of the check in question I was advised via customer service on date XX/XX/22 that my funds would not be available for XXXX days until an investigation has completed and account closed, at which time a check will be issued for funds in my account. 

My account is legitimate, my check is legitimate, I am legitimate This type of policies and or reckless rules should be outlawed If my account is being closed then I should be able to immediately withdraw my funds. They are essentially holding my funds in limbo with no cause. 

These funds are for government funded rent relief that I desperately needed to keep up with my mortgage. They are sabotaging any relief from the covid pandemic that I was about to receive, through laws that were passed by congress. 

Regulators and the Federal Reserve should put an end to this practice conducted by Citibank. 




I would like the Release of Covid 19 Rent relief Funds issued by the state of California, that is being held unlawfully and without legitimate cause. Since the check has already cleared, the funds should immediately be released to my possession. 

Congress passed laws passed laws to help people affected by Covid get relief, but this relief is being sabotaged by Citibank.
Consumer complaint received 2022-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (TX)

I received an email from Citibank on XX/XX/XXXX that they promised I can get {$700.00} cash bonus if I open a new account and deposit {$50000.00} for keeping XXXX. Since XX/XX/XXXX the XXXX time I called the Citibank to confirm if I can get the cash bonus, they said no problem, I at least called them again and again on XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX XXXX, XXXX XXXX ( supervisor XXXX ) XXXX. Every time they told me different thing. Yesterday I sent them a letter as they requested but I really feel frustrated to trust them anymore. For ending my half year suffering from the Citibank, please I submit this complaint to your bureau. Appreciate for your time and look forward to your response.
Consumer complaint received 2022-10-20
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)

On XX/XX/XXXX, I sent out certified mail letters to each Credit Reporting Agency regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and verified everything as accurate. 

This is false because there are a number of inaccuracies on my consumer report that still remain. 

1. This can not be a repossession because FIRST SERVICE CREDIT U has never owned the car in the first place. If I bought this car from a local car dealership, how can they repossess something they have never even owned in the first place? Therefore, it is being reported as inaccurate. 
XXXX XXXX XXXX XXXX Account Number : XXXX 1. I never gave this creditor my written consent to run my credit, therefore, it is fraudulent and this is violating permissible purpose and needs to be removed. 
XXXX  Date of inquiry : XX/XX/XXXX XXXX. I never gave this creditor my written consent to run my credit, therefore, it is fraudulent and this is violating permissible purpose and needs to be removed. XXXX Date of inquiry : XX/XX/XXXX XXXX. I never gave this creditor my written consent to run my credit, therefore, it is fraudulent and this is violating permissible purpose and needs to be removed. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX. 
4. I never gave this creditor my written consent to run my credit, therefore, it is fraudulent and this is violating permissible purpose and needs to be removed. 
XXXX Date of inquiry : XX/XX/XXXX XXXX. I never gave this creditor my written consent to run my credit, therefore, it is fraudulent and this is violating permissible purpose and needs to be removed. 
XXXX Date of inquiry : XX/XX/XXXX XXXX. I never gave this creditor my written consent to run my credit, therefore, it is fraudulent and this is violating permissible purpose and needs to be removed. 
XXXX Date of inquiry : XX/XX/XXXX XXXX. I never gave this creditor my written consent to run my credit, therefore, it is fraudulent and this is violating permissible purpose and needs to be removed. 
XXXX Date of inquiry : XX/XX/XXXX XXXX. These late payments need to be removed because Equifax is reporting me being 60 days late in XX/XX/XXXX when my XXXX XXXX shows I paid on time in XX/XX/XXXX. 
XXXX XXXX Account Number : XXXX They have failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ).

I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). They have 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. 

Please delete these items from my consumer report.
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC (FL)

I have disputed this to try to get it corrected and nothing was ever done. There is an account Flagship Credit Accept showing I owe a balance of XXXX which is not right. Insurance paid off this loan. Please help assist me to get this removed as it is inaccurate
Consumer complaint received 2022-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NJ)

Due to illness, I cancelled a trip that I paid for using my Chase Visa Card. This card provides travel insurance in case of illness. I submitted the claim for {$7100.00} on XX/XX/2022 and promptly supplied all of the various requested documents to Card Benefit Services which manages the claims process. I called and emailed a dozen or so times and have been advised that no additional inform

ation or documentation is required from me, but the claim is still being processed. It appears that Card Benefit Services/Chase Visa makes every attempt to delay or not pay claims, perhaps hoping that some people will give up on chasing their claim payment.

Card Benefit Services has arranged their claims review and processing to be as difficult and time-consuming as possible. Contacting Card Benefit Services to inquire about the status of the claim payment results in a run-around response, with no other avenue for a claimant to obtain a proper response or satisfaction.
Consumer complaint received 2022-10-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (NJ)

On XX/XX/XXXX I called PNC branch in XXXX, NJ to lock my HELOC and was quoted 5.54 %. I was advised I would need to sign a document and never received it. We assumed that the rate was locked since the call was on a recorded line and the quote was provided per fed regulations. XX/XX/XXXX we saw that the rate had jumped and our statement showed the rate had not been locked as agreed. We called the branch who told us that she was not able to assist us and transferred our case to a customer service representative. He told me that because we didn't pay the {$100.00} fee that PNC charges and didn't sign the document ( we never received ), that the lock was not placed and therefore we would need to pay the higher rate. To date, our rate is 2 points HIGHER than the rate we were quoted on XX/XX/XXXX and still climbing. To date, we have still NOT received the document needed NOR the {$100.00} fee applied by the bank. We just want the rate we were quoted to be honored. We placed it on a recorded line with the branch manager. She gave us the rate quote and the terms of the rate as required by lending guidelines. However, after that the rate was not locked and is now costing us HUNDREDS of dollars in excess costs as they have not resolved this and keep stating that it's our fault. 

They explained the fee and the form that needed to be signed are only a PNC overlay and not an industry standard. We feel that their delaying of locking and resolving the issue is predatory and would like assistance to get our rate locked at the disclosed and quoted fixed rate of 5.54 %. As of today, we are Still not resolved. We have made several calls to PNC and are " escalated ''. We have not missed any payments and they have an automatic draft for the payments to come out. This is not fair to consumers and the overlay they have should NOT prevent a rate lock from occurring when it's recorded and quoted and in the file that we requested the lock appropriately.
Consumer complaint received 2022-10-20
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: ADP Inc. (NJ)

What happened was that XXXX XXXX XXXX who owns XXXX XXXX XXXX putted some of my wages on a Wisely card that he mail me to my home address and he only put {$920.00} ( not sure, but around ) and not the entire amount of money he owed me. I opened a case with the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX  against XXXX XXXX XXXX, with the Division of Wage and Hour. Claim # XXXX Employer # XXXX Anyway I didn't want to touch the money that was in that card just in case I had to show proof that he didn't pay me the full amount owed to me. So, the last time I spoke with XXXX XXXX XXXX ( Case Investigator in XXXX, NJ ) was like in XX/XX/XXXX, and he sent me a letter, dated ( XX/XX/XXXX stating that he had finished investigating my case and he was going to submit it to his supervisor. I tried calling XXXX XXXX several times and no answer. I finally call a number in XXXX and I was able to talk to some else and told me that the XXXX XXXX NJ had a case against XXXX XXXX ( she used a some sort of Legal term ). She told me that I might get my money in the future if XXXX XXXX sells one of his properties and gave me no hope that I will recover my money. 
So, I called Wisely and they said that my Wisely Card # XXXX XXXX XXXX XXXX Exp. XX/XX/XXXX had some kind of restriction and they told me that my balance was {$920.00} ( or so ). Anyway, then they said that my card # did not exist. I asked to speak to their supervisor, and they never did and hang up. I spoke to two other persons and I was told that the card did not exist. From my understanding they are trying to rob my money.
Consumer complaint received 2022-10-20
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX  Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # 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 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 2022-10-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY (GA)

I've demanded that WELLSFARGO AUTO PRODUCE THE ORIGINAL REATIL INSTALLMENT CONTRACT AND THIS IS THE 3rd TIME THEY SENT ME A COPY OF THE CONTRACT NOT THE ORIGINAL, SO IM DEFINITELY FEELING LIKE THEY ARE IN BREACH OF AGREEMENT. THEY REFUSE TO SEND ME A RECEIPT OF ALL 1099s and BONDS. I WANT TO BE SURE THAT I AM NOT DOUBLE PAYING AND IM PAYING THE CORRECT PERSON. I WANT THE XXXX BOOKKEEPING OF MY ACCOUNT NOT THE " TRANSACTION HISTORY '' IF YOU CAN NOT COMPLETE THE REQUESTS THEN I WILL ASSUME THAT WELLSFARGO AUTO AND XXXX XXXX ARE COMMITTING FRAUDULENT ACTIVITY AND WE COULD TAKE LEGAL ACTION. IF YOU CAN NOT PERFORM THE REQUESTED ACTIONS I WILL LIKE MY FULL REFUND OF PAYMENTS I MADE ON THIS ACCOUNT.
Consumer complaint received 2022-10-20
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: Exeter Finance, LLC. (IL)

In accordance with the fair credit reporting act this creditor ( Exeter finance ) violated my rights. Under 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under a open and consumer credit plan as late for any purpose
Consumer complaint received 2022-03-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (FL)

I don't know who this collection agency is or where did they acquire my information, hence I can not provide the last four digits of the account number. I never received notification of debt or a validation of debt per 15 U.S.C. 1692 ( G ). After I noticed the defamatory and derogatory mark on XXXX XXXX credit report I tried contacting them by phone to request an authenticated record per UCC 9-210, with no success. They have reported invalidated account information to the three main credit bureaus : XXXX, XXXX, and XXXX, without my written consent, per 15 U.S. Code 1611. This has been carried for over three years on the credit reports, hindering my right as a consumer and causing me distress on my day to day life. Its created a hostile martial environment as these diffamatory marks hurt my credit reputation. It is for this reason I am requesting AARON AGENCY off my credit report and I am seeking compensation per 15 U.S. Code 1611 ( 3 ) of {$5000.00}
Consumer complaint received 2022-08-03
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. (AZ)

I'm glad to see that my report has been improved in numerous ways, including the deletion of certain accounts that I had previously disputed. However, there are a few accounts on my report that are fraudulent and the result of identity theft. I'd like to ask for your assistance in getting rid of the remaining few items on my report. According to FCRA section 605b, credit bureaus are required to remove or block any accounts that have been listed on an identity theft report. To prevent fraudulent information from being submitted in my report, I've included a few papers. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX