davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (DC)

In reference to the Fair Credit Reporting Act : These following accounts are violating my consumer rights by reporting wrong information, putting deleted accounts that were removed recently without notifying in XXXX buissness days in the past. Lastly my rights to privacy are violated. ALL OF THESE ACCOUNTS ARE REPORTING DIFFERENT DATA FROM ( OPEN DATES, BALANCE, CURRENT BALANCE ETC ) ON XXXX, XXXX, XXXX. WHICH PROVES MY STATEMENT TO BE TRUE. IF ACCURATE THEY SHOULD ALL REFLECT WHICH THEY DONT. 

PLEASE DELETE LISTED ACCOUNTS FROM ALL BUREAUS IMMEDIATELY. 

XXXX XXXX Acct # XXXX Navy FCU Acct # XXXX NAVY FEDERAL CR UNION Acct # XXXX NAVY FCU Acct # XXXX XXXX XXXX XXXX Acct # XXXX ALL OF THESE ACCOUNTS ARE REPORTING DIFFRENT DATA FROM ( OPEN DATES, BALANCE, CURRENT BALANCE ETC ) PLEASE REMOVE 15 USC 1681b Consumer agencies are not allowed to report without my written instruction on my consumer report ) 15 USC 1681 section 602 A. States I the consumer have a right to privacy 15 U.S. Code 1681 ( a ) - Congressional findings and statement of purpose- The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

15 USC 6821 Privacy protection for customer information of financial institutions ( a ) Prohibition on obtaining customer information by false pretenses It shall be a violation of this subchapter for any person to obtain or attempt to obtain, or cause to be disclosed or attempt to cause to be disclosed to any person, customer information of a financial institution relating to another person. 

15 U.S. Code 1681I-Certification of accuracy of information- States that once deleted from my consumer file it has to be reinserted unless i am informed no later than XXXX business days. I HAVE NOT RECIEVED THAT FROM IT BEING REMOVED TWICE OVER THE YEARS. 


I DO NOT WANT A DISPUTE I WANT REMOVAL IMMEDIATELY BECAUSE MY RIGHTS ARE BEING PUSHED TO THE SIDE
Consumer complaint received 2024-10-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK (TX)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper XXXX validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2024-09-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (GA)

I have notified your company/person that I am a victim of identity theft. Here I am attaching an Identity theft report. You may not furnish information to a CRA regarding the fraudulent account or debt. FCRA 623 ( a ) ( 6 ) ( B ) YOU ARE IN DIRECT VIOLATION OF THE FEDERAL GUIDELINES YOU MUST FOLLOW. DELETE THE ACCOUNT
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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
Consumer complaint received 2024-10-05
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL (TN)

Around XXXX, XXXX, I purchased furniture from my local XXXX XXXX XXXX store using a loan service provider of their selection, Synchrony Bank. My monthly payments toward this loan began in XXXX, XXXX. My XXXX XXXX bank account shows I have made my online payment every month since before the due date of the XXXX, listed on the Synchrony bank statement, in an amount of more than the minimum payment due. In XXXX, XXXX, I sent online payment from my XXXX XXXX bank account on XX/XX/XXXX. My Synchrony account shows this payment posted with them on XX/XX/XXXX. Then, on XX/XX/XXXX, they charged me a late fee of {$30.00}. When I received my XXXX statement, I noticed this erroneous charge. I called them to dispute this erroneous late fee and the customer service rep said he would remove it because he could see they received my payment on XX/XX/XXXX. I then paid my XXXX payment which they posted on XX/XX/XXXX. My Synchrony account shows they refunded me the late charge on XX/XX/XXXX. Then Synchrony turned right around again and charge me a late fee of {$41.00} again on XX/XX/XXXX. And did the exact same again in XXXX. They received my XXXX payment on XX/XX/XXXX, then charged me a late fee of {$41.00} on XX/XX/XXXX. I have called them to dispute these erroneous fees, which they can clearly see I have made my payments. I was told today, there was nothing they could do because I was being charged these late fees and my account was showing past due because I made my payments too early. They said their system has my billing cycle ending on the XXXX of the month, and because I paid my payment early, they posted my payments to the previous month, which I had already paid for, which makes their system show that I was past due for making my payment of that month. I asked them to fix this because it isn't right that I am assigned late fees and past due amounts because I pay them 'too early ', which somehow translates to their system determining that too early means late. They have refused to fix this and have told me there is nothing they can do for me. I explained that I have read their billing statement in its entirety and there is nothing listed in their statements to notify customers that if they pay their payment too many days ahead of when its due, then they would be charged late fees. So, this bank gets to collect fraudulent LATE fees from customers because the customer paid TOO EARLY. And then their actions also effect the customers credit score. So the customer also takes a hit to their credit because this bank says 'hey, you paid us too soon and our computer system can't handle it. You need to start paying right before its due or we are going to charge you late fees for being too early. '' How does this make sense? How is it right that Synchrony bank gets to make their own definition for the word late?
Consumer complaint received 2022-08-22
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. (FL)

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

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-08-22
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. (NY)

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

15 U.S.C 1681 section 602 Ay 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 2024-10-06
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (FL)

In early XX/XX/XXXX, I canceled an order of bandages for my husband from XXXX for XXXX because he passed away. I paid off the Synchrony Bank/Amazon credit card for the XXXX bandages and closed the account. I pay off all my credit cards monthly. XXXX sent me a condolence letter immediately. When I checked my credit report at the end of XXXX the Synchrony Bank account was showed as paid off and closed. At the end of XX/XX/XXXX, XXXX sent a box with a few boxes of bandages, not the {$720.00} worth of my original order. My family and I called XXXX 14 times and each time XXXX said, " We will call you back in two days ''. Of course, they never did. All we wanted to do was return the package. In XXXX XXXX finally said that they were rescinding the order and that they credited us. At the end of XXXX Synchrony Bank/Amazon reopened my account without my knowledge or permission and the statement said I had a balance made on XX/XX/XXXX of {$750.00}. The statement did not say what was bought or from where. Synchrony Bank refused to speak to me informing me that my access to information is limited and sent me a letter that I found threatening. I did send them a letter in return with a copy of my bank statement showing that the statement they sent me in XXXX had been paid in full. I have not heard from them, but my credit report shows that the account is open and is in dispute. How can they close an account stating that it was paid in full and never any late payments and reopen an account and put charges on it three months after it was closed? I tried to get onto Synchrony Bank 's website, where I had paid my bill, and could not access the site. I also tried to get onto XXXXXXXX XXXX  website and I could not access this online site. When I called the number on the websites I was told by both companies that I do not have an account. I never received a statement from Synchrony Bank in XXXX, XXXX, XXXX, or XXXX. I was surprised when they sent me a statement in XXXX for something purchased in XXXX on an account that had been paid and closed. Even if it was not paid in full they should not been able to add a purchase on a closed account. Not only is Synchrony Bank perpetrating fraud against me, but is also making changes to my credit report. If Synchrony Bank refuses to communicate with me and can close and open credit card accounts in my name charging me for items I never ordered or received and can not afford to pay for what is my recourse?
Consumer complaint received 2024-10-27
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. (MD)

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  # XXXX ; Account Name : XXXX XXXX  XXXX ; Account Name : 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.

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 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

This is a formal complaint that you are reporting inaccurate credit information on my credit report. The below-referenced account shows the date last active which is a violation of the FCRA. All data furnished should be consistent and accurately reporting. There should not be 2 different dates reporting to both Equifax and XXXX. The incorrect listings are lowering my credit score unnecessarily, and this is also preventing me from purchasing a home. Furthermore, I had an agreement with XXXX XXXX to remove this account from my credit report once account was paid. The account was satisfactorily paid in 2022 so I am confused as to why this information is being furnished to Equifax and XXXX. I am enclosing a copy of my credit report. Please remove this account from my credit report XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-05
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (NJ)

On XX/XX/2024 I wanted to apply for a Lowe 's store credit card. I used their prequalify tool to check whether or not I would be qualified for anything. Their prequalify took is located here ( https : XXXX? XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX ) Upon entering my personal information including my phone, address, email, SSN, Lowe 's prequalify tool which is managed by Synchrony Bank showed that I was pre-approved for their Consumer MyRewards call with a starting limit of of {$1000.00}. However I did not accept at this time. 

The next day ( XX/XX/2024 ), i went back to Lowe 's website and proceeded with the application process because I know that I had received a pre-approval the day before. I went through the application process and Synchrony Bank pulled my XXXX report ( shown as a hard inquiry ). To my surprise, Synchrony Bank/Lowes decided to deny my application. This is unacceptable business practice to be leading me as a consumer on, to apply for their store card yet ended up denying my application. Also it resulted in a hard inquiry which lowered my credit score. This is unacceptable. I called into Synchrony Bank/Lowes credit card time and spoke to many agents as well as " XXXX - XXXX '' who refused to help me. They acted like it was my fault that I got denied! I was not going to apply but Lowes/Synchrony presented me with misleading and deceptive information. I ask that CFPB seek maximum punitive damages on my behalf for being mislead.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (TX)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2022-10-11
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. (NJ)

I submitted a letter to the 3 Credit Bureaus to remove these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX Address : XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : Dear XXXXXXXX XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

This complaint pertains to late payments erroneously recorded on my credit report. Upon careful examination of my records, I discovered these inaccurate entries. Despite having submitted correspondence about this issue more than 30 days ago, I have yet to receive any response or adequate validation.
Consumer complaint received 2024-10-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Systems International, Inc. (TX)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2022-08-22
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: Experian Information Solutions Inc. (MO)

This isn't my account. I was never the owner of this account. This account is not mine. This is unacceptable and offensive to me! This account is not mine.
Consumer complaint received 2022-08-22
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: Experian Information Solutions Inc. (TX)

I went to the dealership on XXXX XXXX and applied for a car loan from XXXX XXXX XXXX XXXX, and they stated they would be the only company to run my credit. However, I got a copy of my credit report and there are several inquiries from other companies that I did not authorize to check my credit report. I also did the same process on XXXX XXXX with XXXX XXXX XXXX to obtain a car loan, they stated only their company would check my credit and there were several companies that checked my credit resulting in several credit inquiries. I have tried to contact the companies and the credit bureau to have them removed but they refused to remove them.