davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL ()

I paid Care Credit by mistake online on XX/XX/2020 for {$4800.00}. Care Credit account is handled by Synchrony bank. The payment was meant to pay my Visa account. 

XXXX XXXX  tried several times to contact Syncrony bank to return the mistaken payment but did not get any respond. Then I tried to fax the details of the payment I got from XXXX XXXX with request to return the mistaken payment. I did this three times in three weeks of XXXX but also went unanswered. 

I tried reaching out to Synchrony Bank customer service to get connected to their department that handled unapplied account payment but always put on hold and then disconnected. 

I used to have Care credit account but it was closed a long time ago. I don't owe them anything.
Consumer complaint received 2021-06-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (OH)

In XX/XX/2020, cash app allowed government benefits to be loaded on to their website. 
They promoted the pandemic unemployment by issuing an account and routing number. 
I allowed my brother to use my cash app to load his benefits and I paid him cash from my bank account. 
Soon after, my account was hijacked and I had to watch in real times as my money was sent to my late husbands aunt, XXXX XXXX ( XXXX XXXX, on cash app ). 
She took {$3900.00} and {$1500.00} back to back and also ran my card numbers at the local XXXX XXXX. 
I sent over XXXX messages to cash app, as they didnt have a customer service number, and I havent been helped. 
I called her bank, XXXX XXXX and also the police. 
As soon as she took the money, I was submitting for a refund. 
Cash app could have intervened, especially in a transaction so large, but they did not. 
One time, someone sent me {$500.00} and cash app put a delay on it for 24 hours. 
Why was she able to send a {$3900.00} transaction and a {$1500.00} with no hold, no review nothing. 
I was hacked and have had no justice since she lives in Florida, and I live in Ohio.
Consumer complaint received 2020-09-24
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)

In my last communication to Equifax Credit Reporting Agency, I  submitted an identity theft letter detailing the items that were fraudulent on my personal credit report. 

In response to my identity theft letter, Equifax advised that I attempt to reach out to the creditors to further dispute and resolve the items that were fraudulently listed on my personal credit profile. I have since done so with no resolve. 

I am now supplying Equifax with the initial letter that I submitted listing the items that were a result of identity theft on my behalf, along with a valid photo ID, a current bill, and a copy of the police report which details the items that were a result of identity theft so that they have documentation referencing the actual identity theft that has resulted in multiple inaccuracies being listed on my personal credit report. 

I have spent countless hours and lots of money sending certified documents to the credit reporting agency in an attempt to get the issue resolved and to prevent further delay in processing my requests.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after XXXX XXXX  It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section 611 ( a ), if these issues aren't investigated within XXXX XXXX, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I may have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the XXXX, XXXX, and Transunion data breach, which adds to my worries about the safety of my personal data.
Consumer complaint received 2024-11-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 XXXX 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 2019-08-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

I have a loan balance of $ XXXX with Navient. Every time I have called, I get the wrong information regarding my payment plan, Im told they didnt receive my paper work to lower my payment, and this has caused me not to pay. I am not going to pay until my payment is correct. Ive called them several times about my payment plan and Im getting the run around about the plan from different reps.
Consumer complaint received 2020-09-01
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. (GA)

THESE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE HAD MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-09-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Absolute Resolutions Corp. (MD)

I have an outstanding debt that I have been paying to Absolute Resolutions Investments , LLC ( XXXX ) through their collector, XXXX, XXXX, XXXX XXXX XXXX, XXXX ( XXXX ) The arrangement was formalized with a court hearing in XXXX. 
1 ) The company that I owed the debt to XXXX XXXX an affiliate of XXXX XXXX XXXX  sold the debt to ARI 2 ) XXXX XXXX   contracted with ( XXXX  ) to collect the debt 3 ) XXXX  sent me a letter dated XX/XX/XXXX advising that they now owned the debt and I needed to pay in full or make payment arrangements 4 ) I called XXXX and made arrangements to pay monthly letter of confirmation dated XX/XX/XXXX 5 ) During the time of the payment with no missed payments XXXX  sent me a confessed judgement letter to be signed by myself and to continue with the same payment arrangement as before. I did not sign it but continued to pay. 
6 ) Despite the fact that I was honoring the payment arrangement with no missed payments ARI/XXXX filed a lawsuit ( weaponizing the court system ) 7 ) Absolute Resolutions Investments filed for a judgement 8 ) I went to a court hearing XX/XX/XXXX where the attorney for XXXX  accepted a written payment arrangement which I have honored in exchange for dismissing the judgement 9 ) In XX/XX/XXXX for the first time a negative collections mark appeared on my credit report from ARI 10 ) I called ARI to find out why. They said that in XXXX they got permission to report debts to the Credit Bureaus and my payment arrangement does not exclude that 11 ) ARI has acted in bad faith. I honored the arrangement I missed no payments.

12 ) Their action immediately caused my credit report to drop by 23 points 13 ) The negative collection account report on my credit report affects my ability to get employment, my ability to get housing, my ability to get loans and if I get loans significantly increases my interest rate. 
14 ) ARI has significantly harmed a paying client/customer/debtor who is completely cooperating 15 ) The payment arrangement has not changed 16 ) This situation represents an abuse of their power and position 17 ) XXXX  sends me a mail confirmation of payment received each month 18 ) They sent me no other communication 19 ) There was no notice sent about their intent to take this aggressive and punitive action against me 20 ) I do not doubt that ARI have many accounts not paying as agreed. I have just received the same penalty as those debtors. ARI has not demonstrated the ability to responsibly use this powerful tool that they have weaponized against cooperating debtors 21 ) I am requesting that they remove this negative remark from any and all credit bureaus immediately
Consumer complaint received 2024-11-20
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX What happened : Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , The XXXX credit reporting agency , The XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX XXXX XXXX  of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a rental debt collection account opened from XX/XX/XXXX under account number XXXX that appears related to the aforementioned. These accounts have resulted in fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by each of your credit bureaus ; which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, as reported. The aforementioned accounts, collections, appearing on my consumer credit report maintained by your credit bureaus were not opened, made, or initiated by me. All of the aforementioned accounts, collections, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of identity theft and fraud.
Consumer complaint received 2020-09-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BBVA FINANCIAL CORPORATION (AZ)

On XXXX XXXX XXXX, I singed up for a XXXX 3 day trial for a website. At the time I signed up for the XXXX 3 day trial the website charged me for the XXXX trial AND a 18 month membership for XXXX that I did not authorize. Both charges occurred at the same time and are still on my account, even though I have gone through the dispute process. The bank declined my dispute siding with the website that fraudulently charged my account almost XXXX.

This is unacceptable in modern banking and internet era. This means anyone can just charge me whatever they want and I have no protections that the bank advertises. It specifically states on their website upon signing up and in the TOS that I am not liable for unauthorized charges, that is apparently false and or false advertising. It is obviously not true.

In addition to the fraud charges being allowed. The bank suddenly close out my ATM card without notifying me causing me issues at merchants and embarrassment which could have been avoided. After sending me the new card, the new card is being declined and turned off randomly with a code to the merchant that it is a fraudulent charge, again causing me much embarrassment with the local merchants.
Consumer complaint received 2020-09-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FORD MOTOR CREDIT CO. (CA)

complaint # XXXX i addressed not being able to dispute debt.in court the debt was showed paid with interest owed the judge gave them there interest and ordered them to return the rest of my money.The law firm of XXXX XXXX and associates acting for ford motor credit is trying to collect same debt court case # XXXX or XXXX
Consumer complaint received 2021-12-30
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: California Accounts Service (CA)

I was told about the debt over the phone by a nice woman, who explained my debt, and gave me the time frame to pay. Stated it was going to be non-delinquent until after XX/XX/22. Tried to make a payment on XX/XX/22 and the only available payment option for me is disabled until XX/XX/22...
Consumer complaint received 2020-09-24
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: Ascension Recovery Management (FL)

XXXX XXXX XXXX  sent a collection letter for XXXX XX/XX/2020, I sent a letter XX/XX/2020 to the collection agency : ASCENCION RECOVERY MANAGEMENT LLC XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX certified mail XXXX XXXX XXXX XXXX XXXX XXXX I requested VERIFICATION /VALIDATION of the debt, on XX/XX/2020 I received the proof of signature via usps, the person signed : Covid 19 THIS " AGENCY " is commiting FRAUD, they need to be investigated. 

XXXX XXXX XXXX has NOT PROVIDED any VALIDATION of ANY DEBTS!!! as of today.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XXXX XXXX under the account number ( private ), an an Charge account opened at XXXX on XXXX XXXX under the account number ( private ), a personal auto loan account opened at XXXX XXXX XXXX on XXXX XXXX under the account number ( private ), and a secured loan account opened at a secured loan account opened at XXXX XXXX XXXX on XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency XXXX XXXX of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to
Consumer complaint received 2020-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

I have a store credit card with Macys. In XX/XX/2020 they reported my account to the credit bureaus as late. I contacted them to advise them that I was affected by Covid-19 and had a temporary loss of employment. They sent me a letter stating their findings were accurate and that they could not remove the late payment status from my credit.
Consumer complaint received 2021-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 


I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person.
Consumer complaint received 2020-10-09
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (OR)

Hello, I opened a XXXX  aka " Amazon Prime Store Card '' card by clicking a link on my Amazon XXXX XXXX back in the  XXXX  of XX/XX/2020. Two months later I received a piece of mail that I owe Synchrony Bank money for inactivity {$12.00} per months. So I called them many times the phone number that was either not answering or answering with an automated message offering me few different ways to pay. Finally, I managed to have Amazon technical support to redirect my call to Synchrony bank to speak with a human and close my card. Nevertheless, Synchrony bank keeps harassing me applying late payment fees and submitting negative credit reports on me every month for the card I had never use. If only I knew there is an inactivity fee for the XXXX  card,  especially during COVID-19 times when everyone stays home, I would never click that " open a Store Card '' button in first place. 

Please help me to make them fix my credit report.
Consumer complaint received 2020-09-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (WI)

XXXX XXXXComenity Bank failed to give me proper validation of this debt. 

I mailed XXXX XXXXComenity Bank a debt validation request on XX/XX/20 certified mail # XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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 ot
her 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 2020-09-01
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. (OH)

On XX/XX/2020 and XX/XX/2020 I sent letters to Equifax to provide physical verification for accounts that are being reported on my credit report, and for those items to be deleted. After 30 days there was nothing sent to me to and items still show on my report. As of today XX/XX/2020 have still yet to receive any physical verification of these items belonging to me. Per section 609 of the FCRA they are required by law to provide this information, and if they can't the items should be deleted at once.
Consumer complaint received 2020-09-24
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)

I went to XXXX today ( XX/XX/20 ) as I've done several times over several years. But, today, when I went to pull the report from Transunion, there is a new *requirement* to provide my email address and phone number in order to get my credit report. 

These two pieces of information are not ( and should not be ) required to provide a credit report. 

I believe the company is using this information in order to collect more user identifying information about me to tie together for marketing or other purposes that benefit them. 

I'm going to the website that the FTC has said is the proper place to get a credit report, and I'm concerned that railroading people into providing *more* personal identifying information that is not actually tied to credit reporting is solely benefiting Transunion and not me as a consumer. 

This requirement should removed from XXXX immediately ( or at least be an optional field ) as I have the right to request my credit report without providing the credit reporting companies more personal identifying information.