davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (DC)

To Whom It May Concern : I have disputed a delinquent charge that was originally XXXX XXXX, then XXXX XXXX d/b/a as Pay Pal Credit. I had established an online line of credit in XXXX with XXXX XXXX XXXX, which later became Pay Pal Credit. The line of credit was not a credit card account. I never have a credit card for either bank. From XXXX to XXXX I utilized the line of credit for several purchases that were mostly interest-free as long as the balances were paid in full within usually six months from the date of purchase. When I made the last payment of {$3.00} to Pay Pal Credit on XX/XX/XXXX, I considered it the last payment to close out the account. I did not understand what the {$3.00} represented because I had not, nor would I have charged such a minuscule amount. 
During this same period of time, I also used XXXX XXXX as a transfer agent to shield my online cash purchases that were paid from my XXXX XXXX personal account. This did not involve any credit extensions to me, because they were all cash payments taken from my bank account. I never had a problem with the payment being paid to the merchants ever. 
However, on XX/XX/XXXX, XXXX I was notified by Pay Pal Credit that effective on XX/XX/XXXX, that the lender of my Pay Pal Credit account would become Synchrony Bank. I did not see this as affecting me because I had sufficiently paid my Pay Pal Credit account in full on XX/XX/XXXX, as I stated above. 

That notwithstanding, XXXXSynchrony Banks somehow usurped my online cash XXXX XXXX transfer agency account and charged my closed Pay Pal Credit account in XX/XX/XXXX for 5 separate XXXX  rides totaling {$37.00}. See below as appears on a consolidated statement from Pay Pal Credit : XX/XX/XXXX - {$1.00} paid from my bank account, XX/XX/XXXX - {$7.00} XXXX pending, XX/XX/XXXX - {$7.00} XXXX pending, XX/XX/XXXX - {$6.00} XXXX Ride, XX/XX/XXXX - {$5.00} XXXX pending, XX/XX/XXXX - {$9.00} XXXX pending. 

The XXXX charges were to be paid through the XXXX XXXX transfer  facility that is linked to my XXXX XXXX Bank account. Rather, Synchrony Bank assumed the ownership of XXXX XXXX and proceeded to obscure the two accounts, then adding interest to claim {$190.00}. This amount should have been taken out of my XXXX XXXX XXXX  Account. It was not a charge by me because I had closed my line of credit with Pay Pal Credit. Upon taking ownership of XXXX XXXX, Synchrony Bank confounded 6 XXXX charges of {$37.00}, parlayed it into {$190.00}, then sold that amount to a debt buyer, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX has reported this to credit reporting agencies, which is negatively impacting my credit report. I always pay my obligations on time. This was accounting trickery by Synchrony Bank to garner more profits. 

I believe this was a deliberately fraudulent act because my XXXX XXXX XXXX account was always funded. If there is more documentation necessary, I will be pleased to provide it.
Consumer complaint received 2022-07-11
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. (AZ)

I XXXX XXXX, have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX XXXX with the XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment EQUIFAX XXXX XXXX XXXX AND XXXX ARE BREAKING THE LAW. Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I, XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( s ) be removed from the following account ( s ) immediately. XXXX XXXX XXXX
Consumer complaint received 2022-07-11
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: MECHANICS BANK (NY)

According to my most recent credit report, your company is currently reporting to the credit bureaus that I applied for credit with your organization. I did not grant you authorization to review my credit report. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the main credit bureaus. 

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.
Consumer complaint received 2022-11-30
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. (CA)

I sent a letter addressed to the 3 Credit Bureau requesting to conduct an investigation and correct the information being reported. The 3 credit bureau must validate this account in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct from erroneous reporting. 
XXXX XXXX XXXX XXXX XXXXXXXXBalance : {$230000.00}
Consumer complaint received 2023-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

The following XXXX XXXX 's did not have approval, permission or authority to run my Credit. Nor do I have any credit with these XXXX 's. On XX/XX/XXXX and XXXX and XX/XX/XXXX and XX/XX/XXXX I contacted TransUnion Credit Bureau and requested these Inquiries be removed as these Companies did not have permission, approval or authority to access my credit report. 

XXXX XXXX Requested Credit Report on XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose INSURANCE UNDERWRITING. Attached is the docu sign contract and my name is not on the contract nor signed by me, XXXX XXXX XXXX Requested Credit Report on XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX  Requested Credit Report on XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX, MN XXXX. 

XXXX XXXX XXXX Requested Credit Report on XX/XX/XXXX Location XXXX XXXX XXXX XXXX, WI XXXX Phone ( XXXX ) XXXX Inquiry Type Individual
Consumer complaint received 2021-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$510.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX Owed : {$780.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$800.00} XXXX XXXX XXXX  XXXX Balance Owed : {$3500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$750.00}
Consumer complaint received 2023-01-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SECURITY FINANCE CORP (OH)

In XXXX, I had a car loan on a XXXX through XXXX XXXX. They increased my payments by at least a {$100.00} more a month. I had many discussions with the company and was told that if I let them take the vehicle back, all further debt would be erased considering they could sell the vehicle for more than what was owed. The entire time I had that vehicle, there was nothing but issues with it. I had to replace brakes, tires, the fuel pump, rust spots, and much more than I can hardly remember. Now, Professional Financial Services of Ohio LLC., is claiming that I never made a court hearing in XXXX XXXXXXXX XXXX XXXX  back in XXXX ( I was living in XXXX  and had never received any mail, emails, phone calls, etc. about a court hearing. This money that they claim I owe, isn't even on my credit report. And now PFS of Ohio is coming after me for it again with 17.950 % interest tacked on. I do not owe this money and I am appalled that this is something I'm dealing with nearly a decade later!
Consumer complaint received 2022-07-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Social Finance, Inc. (VA)

On XX/XX/2022, opened new checking and savings account in response to {$300.00} bonus offer for {$5000.00} direct deposits. Having met the direct deposit condition on XX/XX/2022 and waited the required payout time, contacted company on XX/XX/2022, and was informed I did not qualify since I had a previous bonus for a Sofi XXXX account. However, I presented the screenshot of the terms at the time of account opening which did not preclude this during a chat session. Agent informs me the terms had not changed but I provided evidence that the terms were changed when the company extended the bonus offer on XX/XX/2022. Because my account was opened under the attached terms, my eligibility remains valid and I ask CFPB to enforce the {$300.00} bonus payment.
Consumer complaint received 2021-03-25
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. (CA)

The credit reporting bureau, Equifax, consistently provides low scoring and incorrect/outdated information. How can they justify a XXXX point difference between them and the other two credit bureaus in scoring my information? This shows incompetence and Equifax needs to understand that their practices impact people 's lives and ability to receive the proper credit ratings to acquire things needed in life. I want to sue them for this huge difference in reporting and inadequate claim processing.
Consumer complaint received 2022-07-20
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have sent XXXX XXXX, tax transcript from IRS, and proof that Capital One Auto finance can not report a charge off that has been claimed on our tax return on my consumer report. XXXX will not delete capital one auto finance from my consumer report, once a XXXX is given and included on taxes, this charge off is now consider income. Income is not reported on credit, unless there is a new law that you CFPB have made up and I have not found it in the laws from CFPB and federal bureau have been put in place.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I request that under the fair credit law the following hard credit inquiries be deleted : XXXX XXXX  XXXX XXXX XX/XX/XXXX - because said account was consulted and opened without my consent and later when I performed the respective credit checks it was closed at my request as it was not an identified account. 
XXXX. XXXX XXXX XX/XX/XXXX because said hard inquiry was made under an LLC not under my personal credit, which under the fair credit law this hard inquiry should not exist in my personal report
Consumer complaint received 2021-01-25
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. (NJ)

I mailed the first set of letters to the bureaus stating the accounts were not mine and submitted proofs stating as such. The letters were sent via certified mail and tracking history showed them being delivered on XX/XX/2020. After no response for over 30 days, I sent subsequent letters which were delivered on XX/XX/2020. I still received no response and sent more letters that were delivered on XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. I realize due to the global pandemic the system is slow but for a 30 day time limited investigation to take over 200 days days and still no results to be mailed to me nor show on the credit report is just plain disregard for my rights and the federal law under the FCRA. This is my last option before I take this case through the legal system.
Consumer complaint received 2020-11-18
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: ENCORE CAPITAL GROUP INC. (AZ)

My credit report shows an amount due Midlands Credit in the amount of XXXX. 
I have never done business with Midlands Credit. It shows an address on XXXX XXXX in XXXX XXXX XXXX and I have never lived there. 
Please let me know what I must do to have this mis-information removed. 
Thank You, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-02
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

There are too many inaccuracies in my report and i have filed disputes with EXPERIAN on the dates below EXPERIAN. 
- XXXX XXXX XX/XX/2022 It is over 90 Days i still do not have a response or report of investigation, that is if they did any. It is obvious that i am taken for granted and they are taking advantage of the situation and they are depriving me of my right to dispute. The report has caused me great distress and XXXX. 
According to the FRCA Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted immediately.
Consumer complaint received 2022-08-05
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)

On XX/XX/2022 XXXX PM Equifax issued a national announcement stating that Equifax issued wrong credit scores for millions of consumers. Due to this I am not disputing but demanding that Equifax remove any and all erroneous accounts on my consumer report for the failure of consent and privacy per 15 U.S. Code Subchapter II - FRAUDULENT ACCESS TO FINANCIAL INFORMATION. Additionally, Equifax failed to exercise their grave responsibilities, they were unfair, impartial, and did not respect my right to privacy per 15 U.S. Code 1681a - Definitions ; rules of construction & 15 U.S. Code 1681b - Permissible purposes of consumer reports Lastly, never instructed them to furnish this report or to create this report and never consented to this report in the first place per 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports
Consumer complaint received 2021-01-25
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)

XXXX XXXX XXXX On XX/XX/XXXX i reached out to Experian because the date of last activity shows XX/XX/XXXX on Experian but on XXXX shows XX/XX/XXXX. The date of status in the report they sent to me shows XX/XX/XXXX with payment history starting on XX/XX/XXXX which is over 90 days for when it was opened. The balance on this Collection continues to increase with my credit report on XX/XX/XXXX has a balance on XXXX of {$4900.00} and Experian has a balance of {$5000.00}. The report sent by Experian does not show the required Disputed notes on the account and shows a balance of {$5000.00}. How is this collection account showing in a closed status with the balance increasing every month? In the account history you sent to me shows every month the BALANCE has been increasing. 

This account is inaccurate and needs to be deleted immediately XXXX XXXX XXXX XXXX On XX/XX/XXXX I reached out to Experian because the High balance on this account is {$2500.00} with a balance owed of {$2300.00}. Experian responded XX/XX/XXXX stating the account was charged off for {$1700.00} but has a past due balance of {$2300.00} but no answer to how the high balance would be {$2500.00} or how an account can have a past due balance of {$2300.00} when it was charged off for {$1700.00}. The date of status in the report they sent to me on XX/XX/XXXX with the payment history shows 30 days late XX/XX/XXXX and 60 days Late on XX/XX/XXXX, C on XX/XX/XXXX and then CO XX/XX/XXXX. The information does not add up on this account. 

This account is questionable with a High balance of {$2500.00}, Charge off balance of {$1700.00} and a past due balance of {$2300.00}. This account is also missing the required Disputed Remarks which is a violation. Please delete this inaccurate unverifiable account.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Hello, I contacting CFPB because XXXX XXXX  XXXX has me listed as being late 30 days back in 2017 and that is not accurate. I have never been late with them. I reached out multiple times to have it resolved but it's still on my report. This is causing major issues as i'm trying to purchase a home. Thank you for your help!
Consumer complaint received 2021-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge 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: Bread Financial Holdings, Inc. (OH)

An account was open with Comenity Bank XXXX XXXX XXXX XXXX in XXXX of 2021. The opening balance on the card was {$5000.00}. On 4 occasions the credit card company has been paid. XXXX {$500.00}, XXXX {$350.00}, XXXX {$250.00}, and {$350.00}. Totaling {$1400.00}. The checks sent to the correct po box XXXX with the correct account number on them have been received and cashed by the company. However, on SEVERAL occasions I have reached out to the company with no luck. 

After entering a formal dispute with the company, they still reported delinquency to credit score agencies. I was also told that they believe one of their employees may have stolen this money. 

Comenity is still harassing me for past due money, in which I have paid.
Consumer complaint received 2022-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge 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: DISCOVER BANK (FL)

Two unauthorized charges for {$100.00} and {$99.00} at a XXXX gas station in California were made to my Discover card on XX/XX/2022. I have disputed these charges multiple times and Discover alleges that they are valid. I live in Florida and was in-state at the time and could not have made these charges, but they refuse to remove them from my account permanently.
Consumer complaint received 2021-01-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: World Omni Financial Corp. (FL)

Went to Toyota in XXXX XXXX XXXX, FL on XX/XX/XXXX and was trading in my lease to purchase a Toyota XXXX XXXX. Dealership failed to notify me of interest rate prior to signing documents of the loan term, did not disclose full loan amount and pressured me into purchasing warranty I did not really want. I had fraudulent accounts on my credit report and did not know at the time, which results in my outrageous interest rates. When signing documents at the end, When asked the interests rate the employee said he will tell me at the end. He scrolled through paperwork quickly and had me initial only. Did not allow me to read what I was signing even though I had asked to. Told me he will go over it after I sign it. Sales associate states that the vehicle price was totaling below the sticker price and after signing onto my SETF account I see the cost is much higher than sticker price.
Consumer complaint received 2022-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX. In accordance with the Fair Credit report 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 is also states a consumer reporting agency can not furnish an account without my written instructions.