davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (GA)

I C SYSTEM ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$380.00} which appears on my credit report. I believe this information to be inaccurate and potentially fraudulent, as I do not have any contractual relationship with I C SYSTEM. Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute any information that is incomplete or inaccurate on my credit report. 

To date, I C SYSTEM has failed to provide me with the original contract bearing my wet signature or proof of identity verification. Without these documents, they have not substantiated their claim that this debt belongs to me.
Consumer complaint received 2019-05-22
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NJ)

Ive had the Synchrony Bank/XXXX credit card for several years before they closed my account. Four years ago I lost my full-time job so I was struggling with keeping up with payments. Up to this point I didnt have any problem paying the bills on time. 

Ive contacted the company several times during my financial hardship and kept on stressing that I do not want the account closed, but that I would pay off whatever was on it ; there wasnt a lot. I told them I would keep sending money in, and not use the card, until it was paid in full. Consumers are always told to stay in touch with the creditor, and I did. They kept on assuring me that I was doing the right thing by staying in contact with them, sending in payments even if it didnt cover the monthly amount, and that my card would not be cancelled. 

A few months after I had gotten my balance down to XXXX, and paid off everything ( even the late fees, etc. ), they send me a letter that they cancelled my card. My credit score was climbing back up, and I get hit with this! They gave me the form letter about my credit report saying that I have too many derogatories and too many accounts past due. Now my credit score has gone down because of the nonsense these companies are allowed to create. 

They lied, their business practices do not keep the consumer in mind, and something should be done to them!
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Consumer complaint received 2016-12-12
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: POPULAR BANK (NY)

I made a request to Banco popular XXXX times-one by phone, XXXX in person and XXXX by fax to change my ACH debit account number. Nothing was done. They continued to take the monthly payment from the account that I no longer wanted them to use. Last month, They took my payment XXXX {$120.00} XXXX from the old account and a week later they took an additional {$48.00} from the new account. I called customer service on XXXX/XXXX/16 and I was instructed by an employee named XXXX to fax statement screenshots to start an investigation. After I faxed the documents that day, an auto email was sent acknowledging receipt. but I have not heard anything from " XXXX '' nor have I received any resolution or even a timeframe of when the issue would be resolved. In addition to the unauthorized amount of {$48.00}, my financial institution ( also my employer ) charged me an insufficient funds fee of {$35.00} ... Changing the ACH account number has been such an execise in futility, that I no longer want the change. I am in the process of closing the new account for fear of Banco Popular is using my number to pay another client 's loan. I usually receive a monthly notice of the payment for the regular amount but did not receive XXXX for the mysterious {$48.00}. I can only assume that my account information went to the wrong person. This fiasco started on XX/XX/2016 when I walked into the XXXX XXXX branch to make the second request.Months earlier, I called XXXX but no forms were ever sent to me as promised.
Consumer complaint received 2024-10-06
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: M.A.R.S., Inc. (OK)

I left the apartment with XXXX balance in my account. They are SAYING i left THE APARTMNEMT dirty, and the kitchen countertops ad to be replaced due to damage. i WOULD LIKE TO HAVE SOME PICS SHOWING THAT ( IT IS MY RIGHT ) THEY CAN NOT JUST GIVE ME PAPER SHOWING WHAT THEY HAVE DONE WITH OUT ANY PROVE PICS. ALSO, i WOULD LIKE TO SEE PICS OF THE OTHER DAMAGES. ALSO MAY i KNOW THE COMAPNY THAT CHANGE THE kitchen countertops AND SEE RECIPET A PROVE THEY HAVE REPLACET IT ALREADY AND HOW MUCH. AND OTHER RECIPT SHOWING THE COST OF THE REPAIR AND PICS OF THE APARTMENT AFTER ALL THE REPAIR HAS DONE.
Consumer complaint received 2017-01-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Ive initiated several disputes with Transunion over the last year for erroneous accounts that are not mine. I '' ve followed every step they 've outlines and that your site has told me to do. Still having issues with some accounts because Iguess they want to collect more money from these creditors because they get paid to report negative. It 's hurting my family. below are some documents i sent to them on several occasions. It really seems they keep accounts/collections on credit reports because the credit bureau will make more money the longer it 's there. Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX are one in the same but neither one can really help ... .... So how is it the bureau claims to have all the info nut they ca n't find me in their system ... I think me and millions of americans are being lied to by the credit reporting agencies. Hope the fines keep coming. This is ridiculous. 

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. Also attempted to contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX per the address listed on my credit report and the letter got returned. I sent it to the bureaus and they ignored it. Please help if you can thank you.
Consumer complaint received 2024-11-02
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. (FL)

I have identified accounts on my credit report that I did not authorize or open. These accounts are fraudulent and do not belong to me. I have contacted the credit bureaus and creditors to resolve this issue, but these accounts remain on my report. I am seeking assistance to have these unauthorized accounts permanently removed.
Consumer complaint received 2024-09-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MO)

Federal Loans used to attend XXXX XXXX  from  over 17 years ago were determined to be fraudulent and discharged by the Federal Government in XXXX. Applied for discharge for remaining Private Loans and received below generic statement. 

Loans - - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX " Response from Navient - Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. '' If the Federal Government has ruled XXXX committed misconduct and discharged my Federal Loans, what SPECIFICALLY would disqualify me from having the remaining Private Loans discharged?
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (SD)

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.

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 2024-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (OH)

My chase Morgan Prime Visa was declined at the moving truck company. Chase Morgan banker says it's over the limit. A {$1200.00} charge was made to my card by movinghelp.com. They also made a charge for {$130.00}. The {$130.00} was correct. The {$1200.00} incorrect. 

I stood in the rain outside the moving truck company, to make a clear communications to Chase Morgan bank employees and other financial institutions. Chase Morgan employee refused to temporarily raise my credit limit until they were paid for the documented closure and refund already made by XXXX  Chase Morgan bankers were unwilling to credit my account or help in anyway. Thus, I was unable to get my moving truck to Florida. So, I sit in a hotel for two additional nights. My XXXX, Ohio moving team, paid for the {$130.00} by XXXX, rescheduled my appointment to help. 

Based upon my legal and business experience, Chase Morgan bankers are committing a crime of aiding and betting the erroneous actions of those scamsters and embezzling. The card owning victims suffer much pain and suffering due to the culprits actions.
Consumer complaint received 2019-05-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (NY)

While I was XXXX overseas in XX/XX/XXXX my wife ( at the time ) opened up at Paypal Credit Card with my personal information without my consent or knowledge and without having a Power of Attorney. She spent upwards of {$5000.00} and I was never notified or told about this until XX/XX/XXXX. Paypal Credit called me to collect this debt in XXXX of XXXX and told me that since I was married at the time of the account being opened that I am still responsible for paying the debt. I filed a police report and had the account closed and investigated for fraudulent activity but XXXX has denied my claim multiple times saying that they will outsource the debt to a Collection Agency who will report this to my Credit. I  did not receive any merchandise and had no knowledge of this account being opened prior to XXXX.
Consumer complaint received 2016-05-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I received a copy of my TransUnion Credit Report File # XXXX, XXXX issued XXXX/XXXX/2016 and am disputing some items that need to be corrected. I have numbered these disputed items. The reasons why some of these items are inaccurate, outdated information and should be corrected are indicated below. I am requesting the name to be corrected and records removed or deleted : The name XXXX XXXX is spelled incorrectly on the form XXXX XXXX
Consumer complaint received 2016-10-19
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Santander Consumer USA Holdings Inc. (CA)

I believe that I am a victim of predatory auto loan. I was not qualified to get a car at the time that I was looking but the sales people assured me that they would be able to get me a car no matter what. I did not have income at the time of the loan so they used my boyfriends income to make it look like I had a source of income. Is that not fraud? I was in a desperate situation at the time of the loan and I believe they took advantage and knew I was going to be stuck in a loan that I could not afford. My contract was never explained to me and no options where ever presented as far as interest rates, term, etc.
Consumer complaint received 2024-09-25
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

I periodically receive notices about an account in collections with a {$3300.00} debt. Now the debt is with I.C. System, but it's been with XXXX other agencies in the past couple of months. Each time I am alerted about the negative consequences to my credit score, I attempt to try and figure out what it this debt is. After calling the bank, all three credit bureaus ( twice ), freezing credit, adding fraud alerts, and calling XXXX / XXXX again this morning, they've told me to file a complaint with the CFPB, and XXXX has started the dispute process. I've spent probably XXXX hours on the phone dealing with this credit report account that no one can " pin down '' any information for. 

This first started when I received a letter in the mail in XXXX or XXXX of this year, I called about it, they told me the debt was for XXXX to call them, that they no longer had the debt. I am a current XXXX customer in good standing, I called and asked about it, they have no knowledge of the debt and said everything was fine on their end. 
That same day, I called all three credit bureaus, who said there were no accounts in collections for me and that this looked like a third-party agency attempting to collect a debt. Fast forward to today, XXXX alerts me via email that my credit score is being dinged, I call them, they transfer me to XXXX who is starting the dispute process.
Consumer complaint received 2024-09-25
Product: Credit 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: ROBINHOOD MARKETS INC. (CA)

I fell victim to a scam of an online gaming/casino site. This is my second complaint through CFPB about this. I am disputing charges because products provided to me were NOT AS ADVERTISED. This was not addressed in my last complaint ( see attached ). I tried to dispute the charges in the amount of {$33000.00}, but am unable to get my money back due to Robinhood Credit Inc. not doing their due diligence initiating an adequate investigation. I have written letters to and tried to dispute these charges with Robinhood Credit Inc.. I have not yet paid any of the charges due to me still disputing the charges with them. I am not satisfied with the results of the disputes made with Robinhood Credit Inc.. I don't feel like they made a valid effort on their part to assist me as a customer and consumer. I did not see any evidence of any real effort on their part to determine whether or not XXXX XXXX was in fact an illegal scam site, designed to lure people like me and steal their money. Products provided by XXXX XXXX do not have any value! They use advertising to provide some fraudulent coins. XXXX also blocked my account now. In my own investigation, I have learned there are multiple lawsuits against XXXX for operating an illegal gaming site and for fraud. Robinhood Credit Inc. has not conducted any sort of investigation into the veracity of these complaints, which it should have done. Attached here are three pieces of evidence proving that XXXX XXXX is a scam website, stealing victim 's money and NOT PROVIDING WHAT IS ADVERTISED. Exhibit A : XXXX is forced to cease operation in Delaware. Exhibit B : XXXX faces class-action lawsuit in Georgia. Exhibit C : XXXX and State regulators increase pressure to shut down XXXX. I also deserve my money back because of Fair Credit and Billing Act ( FCBA ) and Federal Law ( 15 USC 1666i ). See attached law.
Consumer complaint received 2016-11-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (OH)

We are coming out of a bankruptcy and XXXX XXXX turned over the account to Navient. My complaint is that this company sent correspondence ( e-mail ) to us that went to junk mail. We never received nothing through the mail. No phone calls. Than on XX/XX/2016 we received a automated phone call ( SCAM ) I thought. Turned out I 'm late on payments that I did n't even know I had. I will be contacting the Ohio attorney general and also with my State Rep.
Consumer complaint received 2019-10-10
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. (MN)

I am a victim of ID Theft and have contacted Equifax 's fraud department as well as it's consumer relations and provided them with a police report as well as an FTC affidavit for credit inquires that are as a result of ID theft. Equifax is asking me to contact the creditors who inquired, however when I contacted the creditors, they are referring me back to Equifax. This fraud inquiries are severely hurting my credit. 

XXXX XXXX XXXX Sales Financing Inquiry date : XX/XX/XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX XXXX XXXX  Auto Financing Inquiry date : XX/XX/XXXX XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX XXXX XXXX Complete Dept. Stores Inquiry date : XX/XX/XXXX XXXX XXXX Furniture, Etc. 
Inquiry date : XX/XX/XXXX XXXX XXXX National Credit Card Cos. 
Inquiry date : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-09-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (PA)

Dear Sir or Madam, I am writing to formally file a complaint against Venmo, a service of XXXX XXXX XXXX, regarding the handling of my recent dispute case ( Case ID : XXXX ) for a transaction dated XX/XX/, in the amount of {$160.00}. 

On XX/XX/, I filed a dispute concerning this transaction, which I believe was processed incorrectly. However, Venmo has denied my dispute, stating that the transaction is " consistent with my payment history. '' I believe this conclusion is unjust and does not reflect the facts surrounding the transaction. 

Despite providing all necessary details, I feel that Venmo 's review process lacks transparency and fairness. The denial did not adequately address my concerns or provide sufficient information regarding their investigation process. 

I would like to request the CFFB 's assistance in investigating Venmo 's dispute resolution practices, as they seem to undermine consumer protection and may violate regulations surrounding fair treatment of users. 

I appreciate your attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (OH)

I do not recognized the reported NTL Recovery Agency. Debt collectors are bound by the FCRA, as well as the FDCPA ( Fair Debt Collection Practices Act ). They must be able to provide proof that I owe the debt. Collection Agency have not complied with FCRA not FDCPA practices. Their no actions had caused me to be denied personal loans and had continued to affect my credit scores. I hereby request this collection be immediately removed from my credit files.

NTL Recovery Agency must be legally allowed to collect the debt and they must be licensed to collect in your state.

They must be able to provide proof that I owe the debt. As of the date of this letter, this had not been accomplished. NTL Recovery Agency must be legally allowed to collect the debt and they must be licensed to collect in your state.

As a consumer, I have the legal right to dispute the validity of any collection inquiry, or account on my credit report. The debt collector or XXXX XXXX must provide documented proof that they have followed all applicable laws and regulations. If they fail to provide this proof, then the credit bureaus XXXX XXXX XXXX ) are required to remove the negative items from my report thusraising my credit scores. XXXX has continued to report reference collection notices, with a total disregard to applicable laws and regulations. {$540.00}