davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: SYNCHRONY FINANCIAL (OR)

I got harrassing phone calls from XXXX XXXX. They claimed i had an unpaid Paypal credit card. I said I had NEVER Had a paypal credit card i got letters and many angry, harrassing calls from XXXX XXXX. 

I have a fuXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

They asked me to confirm personal info which I challenged and they said they would mail me some report. 

I got a letter, attached, from XXXX XXXX. I looked up Synchrony Bank. They apparently bought Paypal Credit. Someone must have FRAUDULENTLY used my ID to charge over {$900.00} on a Paypasl credit card. With interest, due to this FRAUD, Syncrhony Bank claimed that I owed more than {$1200.00}. 

I got more harrassing phone calls. 

They sent a form to fill out to dispute the claim and I took a Saturday XXXX  to go to a bank and have it notarized. I scanned it, emailed it in and mailed it in via USPS.
Consumer complaint received 2018-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc. (MN)

I have tried to contact XXXX XXXX many times via phone. I previously had my report frozen with them requiring a lot of unneeded information. They do have a number so they can call you back, but with all the bulk of information. I have already given them. I feel I shouldnt have to wait for them. 

My issue is if IDA has changed to XXXX. Is my credit freeze still on my report?
Consumer complaint received 2020-09-03
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LOBEL FINANCIAL CORPORATION (CA)

I obtained a loan for a vehicle that turned out to be a lemon in XXXX of XXXX. I voluntarily gave up the vehicle. The company sold the vehicle at auction for more than I owed. I was told the debt was settled. Then in XXXX I received a notice if wage garnishments from the loan company. I then found out they lied to the courts about serving me any documents. Again in XXXX they lied again about serving me and was granted another judgement against me. This is the worst type of fraud. Now they keep reporting this to the credit bureaus as a new debt every so often so it doesnt come off. I cant afford a lawyer and as they use the courts that are located 100s of miles from me I dont see how I can fight it.
Consumer complaint received 2022-10-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (NV)

XXXX XXXX contacted me to attempt to collect a debt for consumer phone service. I reported this as fraud, which XXXX XXXX refused to accept. After escalating with the FCC and other regulators, XXXX XXXX changed their opinion and confirmed, in writing, from their Executive Response team on XX/XX/2022 that the debt was indeed fraudulent, and I have " been absolved of all financial responsibility for this account. '' Despite these findings, XXXX XXXX transferred the fraudulent account to a collections agency who has since filed a collection on my credit report. I expect XXXX XXXX to accept responsibility for their actions and honor their commitment to address this situation as the fraud it is and direct their collections agency to fully remove this derogatory information from my credit report. XXXX XXXX File No. XXXX.
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Please refer to previous CFPB report number XXXX letter attached. I contacted the Credit bureau Experian to advised that my report was inaccurateXXXX XXXX shows charge-off effective as of XX/XX/XXXX this account was opened in XXXX and charged off on XX/XX/XXXX as reflected in their response in this letter. All bureaus were notified along with CFPB however inaccurate information is currently being reported.
Consumer complaint received 2022-10-25
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. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2021-11-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (MI)

The CBE group continues to call my business on a daily basis, XXXX to XXXX times per day. When I have contacted them to remove my phone number from their call list they continually tell me that they have. We do not have any outstanding debt that they are servicing and there is no reason for their daily phone calls. I can not resolve this situation through the CBE group and am requesting that I can block their number XXXX from calling again.
Consumer complaint received 2020-09-03
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: CITIBANK, N.A. (TX)

TRANSACTION DATEXX/XX/XXXX DESCRIPTION XXXX XXXX, XXXXBESTBUY AMOUNT {$180.00} STATEMENT DATE XX/XX/2020 REFERENCE NUMBER XXXX TRANSACTION ID XXXX MERCHANT CATEGORY XXXX TYPE PURCHASE
Consumer complaint received 2020-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bonneville Billing and Collections (UT)

Bonneville is reporting 2 erroneous debts on my credit file that are not mine. These accounts are my Ex wife 's. I have spoken with my attorney and he confirmed that i am not responsible for that debt. This needs to be removed off of my credit file immediately. I do not owe this debt, this debt is not mine.
Consumer complaint received 2022-05-14
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. (GA)

Im XXXX my wallet was lost or stolen. In XXXX I found multiple accounts on my credit that were not mine. I resided in XXXX Texas at the time and filed a police report and a complaint with the FTC and forwarded the documents to the credit bureaus. Equifax and XXXX have both refused to remove the fraudulent accounts. In early XXXX I started receiving alerts that my social security number was found on the dark web. I contacted XXXX and Equifax again to notify them of this and again they failed to protect me as a consumer and by placing a fraud alert on my credit profile and removing the accounts. The XXXX POLICE DEPARTMENT POLICE REPORT NUMBER IS XXXX this report was filed in XXXX and provided to both Equifax & XXXX at that time Ive attached all of the paper trail for this for review and below each account is listed that does not belong to me and is a result of identity theft. 


15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency.

Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. 






XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1000.00} Closed Below are the credit inquiries that do not belong to me! 

XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX These are showing on XXXX and XXXX credit reports
Consumer complaint received 2024-09-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: DISCOVER BANK (NV)

I lost my phone, which had my wallet attached to it. Including my Driver License, multiple debit and credit cards, XXXX card and other items. Someone found it and began using my cards without my authorization. 

On Sunday XXXX XXXX someone used my debit card from checking account at Discover Bank, at a casino for the amount of {$3600.00}. Immediately after discovering usage on my debit card I contacted discover and began a dispute. They gave me provisional credit, and then several weeks later I received a letter stating my claim had been denied because the merchant provided proof that it was a valid charge. Since I never authorized this transaction, I contacted Discover bank and they sent me the information the merchant was using to claim it was a valid charge. The information they provide was from the XXXX XXXX stating the transaction was done and verified by ID to match the card, I explained to Discover that my entire wallet was lost including my Driver license and that if the merchant didnt verify the debit card and ID belonged to the person using it, then that was not my responsibility. I sent in a statement including all this information and also proof that I had lost my phone and had to purchase a replacement. Discover Bank reopened the investigation and again denied my claim. Once again I called and they used the same phrase, about the debit card and ID name matching so it was a valid charge. They suggested I do a police report to reopen the claim and investigate again, which I did, only to have my claim denied again. They are refusing to show me video or camera surveillance of the person using the card to verify it was not me. I did not make this transaction nor did I authorize it, so I really need help having them investigate properly.
Consumer complaint received 2020-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

My FICO Score dropped 40 Points for NO REASON and no explanation was given. 
I tried reaching out to Experian and they told me to Contact FICO  directly. How do you do that? I did not open any new accounts. I was on time on all of my payments. I did not add to my existing debt. No new inquiries were made. There is no reason for a drop, let alone such an enormous one. I have worked extremely hard to get my credit up to the 780s and for it to drop so fast so suddenly without cause is very alarming and upsetting. I don't know who to contact to try and obtain more information, or who I can speak with to try and find a resolution. Any help you could give would be most appreciated. Thank you
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

l am a natural person, I am a living human being, I have rights under 15 USC 1681. XXXX is governed by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because ; According to 15 USC 1681 E ( B ) : I have the right to accurate reporting of my accounts and the information reported by this company is incorrect. Acct number XXXX XXXX services XXXX. In XXXX of 2017 XXXX XXXX illegally repossessed a vehicle I had with them. XXXX then sold the car at auction and failed to either notify me of the sale or accurately record the sale to my account. The account is reported as if I still owed the full balance ( not including the sale of the vehicle ) when in reality the car should have sold in excess of {$35000.00} and I should have been due some amount of equity returned from the sale.
Consumer complaint received 2018-12-04
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. (NY)

Equifax is repeatedly falsely verifying inaccurate late payment information regarding XXXX XXXX XXXX XXXX on my credit file.

I have been complaining to Equifax and the CFPB about this matter for almost a year, but nothing has been done.

Upon information and belief, no one from Equifax has taken accountability for my credit disputes, therefore no one from Equifax can testify in court against me.

Is it going to take millions of Americans to start submitting certified/notarized/sworn Affidavits of dispute, that would be filed with massive Federal Class Action complaints, to get Equifax to adhere to the law? Clearly, Equifax does not complete reasonable dispute investigations for consumers. From my personal experience, Equifax conducts investigations based on hearsay, which should cost them billions in Fair Credit Reporting Act violation fines and punitive damages.

I have been advised to provide Equifax and the CFPB with this Affidavit included in this complaint and wait for a response from Equifax. This CFPB complaint, all responses, both prior and present, documents, this Affidavit and possibly the Affidavits of others will be submitted to a consumer attorney in the event I become the lead Plaintiff in a Class Action suit against Equifax to claim damages for myself as well as millions of Americans who have been affected by Equifaxs FCRA violations.

I was informed by XXXX XXXX XXXX XXXX that no one from Equifax has contacted them regarding these inaccurate past late pay disputes.

PLEASE SEE THE ATTACHED AFFIDAVIT OF DISPUTE REGARDING MY CREDIT FILE.
Consumer complaint received 2021-02-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (NJ)

I have a predatory loan with Santander. I was informed in XX/XX/2020 that I am a part of the Santander settlement lawsuit. I was granted an extension due to the fact that my loan is a large payment with significant fees in XX/XX/2020 but the payments are scheduled to resume. 

I reached out to Santander in XX/XX/2020 because no one had notified me yet regarding the Santander lawsuit. I was told that it is " a process ''. I expressed my understanding and requested a permanent forbearance until I was notified of my portion of the settlement. I explained that I am struggling to live due to the pandemic and I am concerned that my file shows a significant violation of my rights. Until I know that I am not entitled to the title to the vehicle and loan forgiveness, I requested payments to cease. I have not received a response.
Consumer complaint received 2018-12-04
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: SYNCHRONY FINANCIAL (GA)

I applied for a Wal-Mart Store Card on XX/XX/18 which is offered through Synchrony Bank out of XXXX FL. On XX/XX/18, I received an electronic letter informing me that my application was denied because of some key factors that adversely affected my credit score. 

My complaint is the credit score Synchrony Bank pulled on me is inaccurate. My credit score with the 3 credit bureau 's are higher than what Synchrony Bank has reported. Another key factor that adversely affected my score with Synchrony is " Too few open end accounts ''. This is inaccurate based on my credit scores listed with the credit bureaus. The bureau 's report the following open accounts which are in good standing and current ( i.e. Student loans, XXXX  XXXX Credit Card and XXXX Credit Card ). 

When I search the address for Synchrony Bank online, it doesn't give an address in Florida and I'm concerned that the address given for Synchrony Bank on the letter that is listed in XXXX Florida is incorrect. 

Synchrony Bank states that my credit is XXXX. The 3 credit bureau 's report my credit score 's over XXXX. Your assistance on resolving the big gap in scores is greatly appreciated!
Consumer complaint received 2020-09-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX Ccs Collec Opened XX/XX/XXXX + {$160.00} Original creditor : XXXX  Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious Ccs Collec Opened XX/XX/XXXX + {$160.00} Original creditor : XXXX  I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in  the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2020-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: E*TRADE BANK (CA)

I have been unable to withdraw cash at ATMs with my debit card or get cash back at the Point-of Sale ( Tried to withdraw cash on Friday XX/XX/XXXX ). I tried to call the bank on XX/XX/XXXX but the wait time was more than one hour, I gave up. Tried to call them today XX/XX/XXXX, have been on hold for over an hour, still no response. Tried their chat today, wait time indicator says 140 minutes. I also sent a message on XX/XX/XXXX via the secured message center on the Etrade mobile App. As of of XX/XX/XXXX, I still haven't heard back from Etrade via the secured message center. Etrade seems completely unresponsive to customers.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (FL)

I had a problem happen with my chase XXXX bank account that started on XX/XX/2022 with a customer of mine XXXX XXXX. She had paid my company for her long distance move for a cost of {$4600.00} paid with 2 separate checks one for {$2000.00} and the second for {$2600.00} on XX/XX//2022. After the customer paid the following day she wanted to cancel so I refunded her in full the {$4600.00} deposit and canceled the service. I told XXXX allow 24 - 48 hours for the funds to be available in her checking account and she confirmed with me that she understood. The following day on XX/XX/2022 I noticed that one of the checks she paid with for {$2000.00} was charged back after I had paid her the full deposit back of {$4600.00} and the {$2000.00} was deducted out of my XXXX  account. XXXX XXXX now had a total of {$6600.00} which is {$2000.00} more than what I refunded. XXXX stopped speaking to our company and staff and when I asked her about this she then threatened me with false reviews and claims towards my company and refused to give back the additional {$2000.00} she had taken. I notified chase bank and they put a stop payment on the {$4600.00} reversing it back to me so I could recoup the {$2000.00} loss on XX/XX/2022. On XX/XX//2022 I noticed on my statement that the reversal failed and went back to XXXX XXXX. I went to Chase bank and showed them what happened and they refused to help me and said I had to make a claim and need to handle with the customer. The customer XXXX refused to speak with me and continued to threaten me with false claims and reviews if I did not stop contacting her. When I tried to submit a claim with Chase bank they did not accept it and would not let me file. I then went to the police station and filed a police report against the customer that I then took back to Chase bank and showed them and my statements a second time of what happened. They started to take my case more seriously and told me they would help me out and recoup the funds. Since XXXX of 2022 Chase Bank has not done anything for me and when I ask for updates they don't give me any answers or try to help. They assisted this customer with taking additional money from my business and when I speak to the police they tell me this is a clear case of fraud. I need help now I am a small business owner and have been taken advantage of by my own bank J.P Morgan Chase Bank.