davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX 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 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 2020-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (ID)

I will start off by saying that I have a XXXX  % XXXX person and received benefits to that effect. 
XXXX XXXX I misplaced my liquid Chase Debit card. 
I Preformed corrective actions to stop the usage of this card. 
There is no way to get ahold of Chase at all these days apparently no matter what the circumstances are after XXXX XXXX. which is ridiculous. 
Previously I was able or anybody was able to go into a branch location and have a temporary card issued that worked. 
Now apparently they've made that impossible to do so therefore you have no ability to receive to retrieve money and let you go into a bank branch I am XXXX  % XXXX that is almost impossible to do. 
Explained my situation to the bank and let them know that this is unacceptable because advice as somewhere and I have no means to pay for let 's say a ride or whatever they put my life in danger. 
So finally yesterday I finally got them to agree to do anything and that was to expedite the card because they still had not even sent it after 5 days they were still processing it unbelievable. XXXX get expert I get through XXXX   which I received when I went to go activate the card through the phone number and the instructions they gave which I followed to the letter of the law meaning I dotted every I and crossed every T and these that it was activated but go to use it it wont-work there is no way for me to use his cart there's no way for me to get ahold of anybody this is unbelievably beneath contempt and I believe that this is a in my opinion their way of actually ... Retaliation which is against the law and I would like some kind of response from somebody that's in a position of authority that regulates these banks and their ways of doing business to have a conversation with me against the despicableness of Chase Bank
Consumer complaint received 2023-07-13
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. (VA)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2024-10-27
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (FL)

To whom It May Concern, I am filing a formal complaint against CareCredit, issued by Synchrony Bank, regarding unauthorized and unsafe charges applied by XXXX XXXX XXXX to my account. Due to the serious nature of the incident, which nearly cost me my life, I am requesting the XXXX XXXX XXXX XXXX assistance in resolving this matter. 

Details of the Dispute : On XX/XX/year>, I visited XXXX XXXX XXXX for dental treatment. Unbeknownst to me at the time, the procedure was administered by an individual claiming to be a dentist, who I later discovered was unlicensed since I had health issues. This unlicensed individual performed substandard and incomplete dental work, jeopardizing my health and safety. I had to not only re start my dental work but he caused me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sides. Upon further investigation, I found that this individual has a criminal record, which further underscores the negligence involved. 

To address this situation, I took the following actions : XXXX. Filed a Police Report : I promptly filed a police report to document the incident. The report includes details of the unlicensed provider and criminal background information. 
XXXX. Attempted Resolution with CareCredit/Synchrony Bank : I reached out to CareCredit/Synchrony Bank to dispute these charges and seek a reversal based on the fraudulent and dangerous nature of the service. Unfortunately, no resolution was reached. 

Given the unlicensed treatment, incomplete services, and extreme health risks involved, I firmly believe these charges should be removed from my account. Synchrony Banks refusal to take action in such a serious matter raises concerns about consumer protection and financial accountability. 

Requested Resolution : I am respectfully requesting the CFPBs assistance to ensure the reversal of these charges by Synchrony Bank, as I should not be held financially responsible for fraudulent and dangerous services that were not delivered as promised. 

Thank you for your time and assistance. I am prepared to provide all necessary documentation, including the police report, criminal background information, and any additional records, to support this dispute. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

I have always been able to get my free annual credit report from Equifax on-line XXXX XXXX XXXX  This year, after trying multiple time on multiple days, I would only get a message that said I had to call in to the Customer Care Team. Upon doing so, the prompts are very time-consuming, confusing, and difficult to get through. Some of the prompts directed you to sign up for an Equifax account, which I do not wish to do. Two weeks ago, when I first navigated the prompts to what I thought was the correct location, I ended up at an automated system where I entered information to receive the credit report by mail. What showed up in the mail was not a credit report, but instead a Research Request Form. Today, I called again, and this time was actually able to eventually speak to a person. Supposedly, I am now to receive the credit report by mail. I will wait to see if this mailing is indeed the credit report. 
My complaint : Obtaining the Equifax annual credit report is a very difficult and confusing process. It apparently is not possible on-line anymore. I would ask that Equifax make it a straight-forward and transparent process to obtain one 's annual credit report on-line.
Consumer complaint received 2019-05-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (IL)

I am current on my payments so far. 
The problem is I am late on the month of XX/XX/XXXX and the month of XX/XX/XXXX the XX/XX/XXXX payment has already been paid and yes maybe the other payment I have paid them a bit late but I am current.

I am experiencing a fraud situation with the bank that I currently make the payments with.

There was fraudulent activity going on and as I have disputed the transaction and open a claim complaint with the bank. They said it would take up to 90 days to solve this matter and because it was more than 2000 dollar they need to further investigate. My account was hacked as some hacker took my debit card numbers and hack them and used them in the state of Ohio and California I live in Illinois and have not shopped in those states.

I have informed me.cooper about my situation and they have denied to help me by not reporting it to the credit bureau as late payment and also to wave the late fees for XX/XX/XXXX and XX/XX/XXXX but they refused to as I explained the reasons of why I need there help its just the late fees. They have already issue a new late fee this month but I sent them a pdf letter explaining the reasons of what was happening with the bank account and they still refused to not wave the late fees. I am very happy that they have gave me all this much help but I need help now too this late fees were not my fault as I intend to pay o time before the XX/XX/XXXX or XX/XX/XXXX of echa month to avoid the late fee charge.
Consumer complaint received 2024-01-11
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Williams & Fudge, Inc (CO)

on XXXX I received a letter from Williams & Fudge. demanding me to pay a bill from XXXX XXXX XXXX And XXXX XXXX. This is totally made-up information here. THIS IS NOT TRUE. They also have been sending one of reps. to my door and he's been hiding his face from our ring cam. But we have him on film This is harassment from Debt collector XXXXXXXX XXXX XXXX. Their address : XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX Tel # XXXX. Person of contact XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX SC XXXX
Consumer complaint received 2019-02-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Optio Solutions, LLC (AZ)

Attempted to acquire written proof of debt as allowed by law. Company refused. Company refusing to take any payment less than the full amount or likewise. Company acting unprofessionally making threats to damage my credit. Company does not appear to be licensed in the state of California under assumed name and company refused to provide licensing information. Company tactics are meant to scare and demean person.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2023-01-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (CA)

On XX/XX/XXXX I paid off my new car loan with Kia Motors Finance with a {$2000.00} overpayment. Kia Finance acknowledged receipt of the {$2000.00} overpayment. Since that date I have called them on at least 20 occasions, each time I get a completely different story. On XX/XX/XXXX I was told the check was in the mail and was given a tracking number, but never received a check. I never received the check and when I called I was told it was never mailed out. In XXXX I was told I had to prove I made the {$2000.00} overpayment. I e-mailed the electronic statement from my back to Kia Finance showing the {$2000.00} payment. On XX/XX/XXXX I was told the refund was approved and when I called today, XX/XX/XXXX, I was told it had not been approved. Kia Motor Finance, XXXX XXXX XXXX XXXX, XXXX XXXX, California XXXX
Consumer complaint received 2024-01-10
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: Experian Information Solutions Inc. (MS)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$17000.00}
Consumer complaint received 2024-01-08
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: The Aligned Company DBA Extra (FL)

I am writing to file a formal complaint against the creditor Extra regarding the inaccurate and inconsistent reporting of an account listed on my credit reports. Despite numerous attempts to rectify these errors with both the credit bureaus and Extra, my concerns remain unresolved. The account in question is detailed below : XXXX and XXXX report conflicting information for the same account : - XXXX reports the payment status as " Pays account as agreed, '' while XXXX states " Credit line closed/not paying as agreed. '' - XXXX lists the worst delinquency as " 120+ days past due, '' whereas XXXX XXXX " 180 days delinquent. '' - Discrepancies exist in the reporting of late payments : XXXX records a XXXX late payment in XX/XX/2022, while XXXX denotes a XXXX late payment in the same month. 
- The two-year payment history exhibits inconsistencies, with several months of unreported data. 
- XXXX specifies the date closed as XX/XX/2022, yet XXXX does not indicate a date of closure. 
- There is no dispute remark, despite this account having been previously in dispute. 

For your reference, I have included a copy of how the account currently appears on my credit reports as supporting evidence.
Consumer complaint received 2024-04-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc. (CA)

XX/XX/XXXX Reference XXXX I received a letter dated XX/XX/XXXX from Unifin XXXX Inc. / XXXX XXXX XXXX / XXXX, IL XXXX - XXXX " ... trying to collect a debt for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. '' THIS IS NOT MY DEBT THIS ALLEGED DEBT IS XXXX XXXX XXXX Information states " as of XX/XX/XXXX the amount owed is $ XXXX. '' California 's Statute of Limitations for debt is XXXX years - state 's XXXX of XXXX XXXX XXXX. XXXX ; this alleged debt is nearly XXXX XXXX XXXX. 

This alleged debt is not mine ; this alleged debt is " time-barred. '' The Use-By-Date has expired! 

Stop all contact, regardless of the communication ( s ) channel ( s ).
Consumer complaint received 2021-02-01
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (CA)

There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't Navient sued by Cfpb before for not applying payments to consumers accounts correctly?
Consumer complaint received 2024-09-24
Product: Student loan — Private student loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/Barclays Bank XXXX XXXX XXXX XXXX, DE XXXX Dear XXXX XXXX, I hope this letter finds you well. I am writing to formally request a copy of the IRS Form 1099-C for a debt that was charged off and reported by your company on my credit report. The details of the account are as follows : Account Number : XXXX Date of Charge-Off : XX/XX/XXXX Amount Charged Off : {$45000.00} I believe that the issuance of a 1099-C is required under IRS regulations for the cancellation of debt, and I would appreciate your assistance in ensuring that I receive this form promptly.

Please send the 1099-C form to the address listed above or provide instructions on how I can obtain it. If there are any additional steps I need to take to facilitate this process, kindly let me know. 

Thank you for your attention to this matter. I look forward to your prompt response. 



Sincerely, XXXX XXXX
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

On several attempts I have notified Equifax in writing and via disputes CA FED Bk CT, XXXX is incomplete and inaccurate, but Eqauifax refuses to follow the law set forth by FTC and FCRA by violating my consumer rights under 15 U.S.C 1681i ( 5 ). I have send proof of documentation from Pacer ( Public Records, XXXX XXXX XXXX Courst, and the source cited by Equifax which is XXXX XXXX XXXX. It is clear that no investigation has been reasonable done if at all because there are several incomplete and inaccurate information being reported on my credit report.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer
Consumer complaint received 2024-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'd like to dispute the reporting of a late payment on my credit report.I have contacted the bank regarding this late payment, and they have approved updating the accounts to " open/never late. '' The bank has acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. 
According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. Therefore, I kindly request that you update this account to reflect that it has never been late. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (SC)

Certified Letter sent to collection XXXX XX/XX/2018 to ask for verification.. letter sent to credit agency on XX/XX/2018 addressing the verification issue. another letter was sent to agency on XX/XX/2018. Company is still not providing me with a signed copy of the contract with XXXX XXXX XXXX. equi verification that is in compliance with the fair credit reporting act and must be deleted from my credit file Still no resolution and it is XX/XX/2018.
Consumer complaint received 2020-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK (GA)

In 2005 I was added as a user on my grandmothers Discover credit card. Since then I have never had possession of a Discover card to use or account access to pay anything on the card. It was strictly for her to use and help build my credit. Now 15 years later my grandmother has had two XXXX, several hospital stays and is currently in XXXX which resulted in two missed payments to Discover. I learned about this when I ran a credit report to get a mortgage loan on a house, when I contacted Discover about this for resolution, they refuse to remove me as a user on the credit card, which is all I asked of them. I contacted them twice In fact in which the last time they informed me the account would have to be paid in full and closed or one of us would have to die to be removed from the credit card.