davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synovus Bank (CA)

I purchased a XXXX XXXX from the vendor in XXXX XXXX. At their suggestion I financed the purchase with a deferred payment option loan. ( the loan was granted by XXXX ( this company is related to Synovus Bank ). The original loan was granted XX/XX/XXXX and was due XX/XX/XXXX ) Attention information Application ID XXXX Acct # XXXX The loan was suppose to be a differed interest loan ( see enclosed general purchase document with notation ref type of loan " Deferred Interest Plan '' " Total Prom Purchase Balance {$6900.00} ) See enclosed scan document I then received a bill from XXXX See enclosed this is an attempt to collect a debt. See enclosed scan document I immediately wrote them telling them no amount should be owed due to the type of loan received. I also told them to stop sending the notices. See enclosed scan document I the received a XXXX statement with an outstanding balance above the orginal purchase balance. See enclosed scan document
Consumer complaint received 2024-09-06
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: NAVY FEDERAL CREDIT UNION (VA)

Fraud Claim Denial Request for Explanation From XXXX XXXX XXXX, my husband and I celebrated my birthday in XXXX, XXXX. On XX/XX/year>, we attended an event hosted by XXXX in XXXX at XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We arrived around XXXX XXXX  and stayed for about 1.5 hours, paying {$360.00} for a two-person section, one hookah, and one bottle of XXXX XXXX XXXX XXXX The waiter took our card to the back for processing, and we were charged at XXXX XXXX. 
Upon reviewing our charges on XX/XX/year>, we discovered two unauthorized transactions. Navy Federal confirmed that the card was not swiped, and no PIN was used for these transactions. Initially, Navy Federal incorrectly stated that the fraudulent charges occurred at XXXX XXXX  on XX/XX/XXXX, leading us to suspect a taxi driver, as that was our last payment. However, our records showed that the first authorized charge was at XXXX XXXX  EST on XX/XX/year>, with unauthorized transactions occurring at XXXX XXXX  EST on the same day {$600.00} and {$600.00}, respectively. We were credited {$1200.00} while the investigation was ongoing. 
Months later, the {$1200.00} was debited from our account, leaving us in the negatives. When we contacted Navy Federal, we were informed that the fraud claim was denied. We were told that claims are managed by a third party who can not be contacted directly and were advised to submit an appeal with any supporting documents. 
I submitted a detailed two-page letter, including event photos, timestamps, and a flyer. On XX/XX/year>, I received a letter stating the appeal was rejected. I called the fraud department and was informed that detailed information could not be provided over the phone due to privacy concerns. I was instructed to send an e-message through the app for more details. 
On XX/XX/year>, I received a generic e-message stating that the decision was based on monthly statements, merchant documentation, and internal databases, but further details could not be disclosed due to compliance. 
I spoke with Supervisor XXXX, who attempted to arrange a meeting with the security team but was informed that the only information available was that there was conflicting information. I was told the only way to obtain further details would be through a court order. 
The emotional and financial strain of {$1200.00} in debt has been significant. Navy Federal 's lack of transparency and failure to provide a legitimate reason for the claim denial is unacceptable. It feels like we were scammed twicefirst by the fraudulent transactions and then by the bank 's inadequate response. This amount is substantial, especially given the current economic pressures, and has placed us in a difficult financial situation.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting correction of inaccurate late payments on my credit report for XXXX XXXXXXXX XXXX, covering XXXX, XXXX, XXXX, XXXX, and XXXX. The files demonstrate that monthly payments of {$520.00} were made, which contradicts TransUnion 's reporting. Following consultation with the creditor, they have requested removal of these late payments. Please verify the payments through the attached files. 
If failure to do so I will further this action with the FCRA.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WY)

In accordance with the fair credit reporting act everything has to be XXXX accurate on my credit report. The credit bureaus stated my account was properly invigated but how is that possible if the open date is inaccurate, the date of last activity is inaccurate, and the date of last payment is inaccurate.this is grounds for removal they also violated my rights under 15u.s.c1681 602A states I have the rights to privacy. 15u.s.c1681 604A section 2 states a consumer reporting agency can not furnish a account without my written instructions.also the credit bureaus took longer than 30 days to complete an investigation. Please remove the following accounts for several violations or I'm demanding {$1000.00} for the XXXX violations.inclosed is all of the accounts with violations grain # XXXXXXXX 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 2024-08-24
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. (SC)

As a federally protected consumer I am requesting the CFPB review this dispute regarding the credit reporting agency Transunion, XXXX, XXXX and the company XXXX XXXX XXXX. There is a need to ensure that the consumer reporting agencies exercise their grave responsibilities with fairness impartiality and respect for the consumer rights to privacy. 15 U.S Code 1681b permissible purpose of consumer reports. Subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 15 US code 1681c requirements relating to information contained in the consumer report. Any other adverse item of information other then records of convictions of crimes which antedates the report by more the 7 years should not be on the consumer credit report. By violating section 1681 b permissible purpose and 1681 c information contained in consumer report, credit reporting agencies seems to be in direct violation of compliance procedures under title 15 U.S Code 1681 ( e ) Compliance procedures.

For willful noncompliance results are civil liability {$1000.00} per violation according to 15 U.S Code 1681 ( n ) and 15 U.S Code 1681 ( o ). This account is adverse and causing extreme harm.

This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this dispute and investigation.
Consumer complaint received 2024-10-29
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: ALLY FINANCIAL INC. (NC)

I traded my vehicle XX/XX/year> and the payoff was received by ally bank on XX/XX/year>. From that date I was to receive a XXXX refund check within 60 days. 
Upon calling and asking for a status update, the gentleman said he did not have any other information when I asked to be escalated he hung up on me.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (IL)

Equifax support tells me they do not support multi-factor authentication for their site myequifax.com which is a huge security risk for my personal and credit information, and puts me at high risk for fraud and identify theft. How is it possible that our government allows Equifax to operate with such weak security? Just about every online service in the world has XXXX. This is outrageous!
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Formal Dispute Request for Removal of Incorrect Addresses, Names, and Employers I am writing to formally dispute incorrect information on my credit report related to my addresses, names, and employers. I have previously submitted disputes to correct this information, but my requests were ignored, and no action has been taken. As a result of your inaction, I am also filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) to address your failure to comply with the Fair Credit Reporting Act ( FCRA ).

Under the FCRA, you are required to ensure the accuracy of the information you report. The following inaccuracies must be corrected immediately : Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Incorrect Employers : XXXX XXXX FCRA Violations and My Rights According to Section 611 of the FCRA, you are required to investigate and resolve disputes within 30 days of receiving notice. If the information can not be verified, it must be corrected or deleted from my report promptly. Your failure to act on my previous disputes is a violation of this federal requirement.

Additionally, Section 607 ( b ) of the FCRA mandates that you maintain reasonable procedures to ensure maximum possible accuracy. The presence of inaccurate addresses, names, and employers reflects a breach of this duty.

Demand for Immediate Action and Penalties I demand that you : Immediately remove all incorrect addresses, names, and employers from my credit report.

Provide written confirmation of these corrections.

Ensure future inaccuracies are promptly addressed and corrected.

Apply all applicable penalties under the FCRA for failing to address these disputes properly and in a timely manner.

If the requested changes are not made within 14 days, I will pursue legal action for non-compliance and further escalate my complaint with the CFPB.

Thank you for your attention to this urgent matter. I expect written confirmation of the corrections within the specified timeframe.

I only have one Correct Address : XXXX XXXX XXXX XXXX XXXX, ohio, XXXX I only have one Correct Spelling of my name when applying for Credit i dont use my middle name : XXXX XXXX I Only have one correct employer : XXXX XXXX XXXX Sincerely, XXXX XXXX
Consumer complaint received 2024-10-20
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. (TX)

I am writing to dispute the inaccurate reporting of payment information on my credit report. Specifically, your company has reported 30-day late payments for XX/XX/year> and XX/XX/year>, which is a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ). This information is incorrect and must be removed immediately.

Furthermore, I have confirmed that XXXX XXXX 's business registration is inactive in the state of Texas, and the companys right to transact business has been forfeited. As such, XXXX XXXX lacks the legal authority to report any account or conduct business activities within the state. 

Additionally, I previously informed your company that my personal information was compromised in a data breach, and no efforts were made to properly verify the legitimacy of this account. I have attached business registration details and data breach documentation to support my dispute. 

Outside of these issues, the account must be removed for the inaccurate payment history alone, which I have also included for your reference. 

Please take immediate action to correct these errors and remove this account from my credit report. I expect written confirmation of the removal within 30 days, as required by law.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Following 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 602A. 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 an 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 or 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 ) ( a ) 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. 

Delete the accounts below : - Creditor Name : XXXX XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX XXXX. Date of inquiry XX/XX/XXXX. 
- Creditor Name : XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX XXXX. Date of inquiry XX/XX/XXXX. 
- Creditor Name : XXXX XXXX XXXX Date of inquiry XX/XX/XXXX. 
- Creditor Name : XXXX XXXX XXXX Date of inquiry XX/XX/XXXX.
Consumer complaint received 2024-08-26
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. (IL)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-08-24
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. (MI)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Consumer complaint received 2024-08-24
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. (TX)

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 informationisinaccurate.
Consumer complaint received 2024-10-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I opened my Citizens Access Savings Account online on XX/XX/year>, and immediately funded the account via ACH. The funds cleared on XX/XX/year> with no problems. I tried to conduct another transfer from Citizens Access and they immediately froze my account and I havent gotten any information or attempted contact from them since. Ive made a complaint ( # XXXX ) which I hope compels them to resolve my matter.
Consumer complaint received 2024-09-27
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. (FL)

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : [ Date of Charge-Off ] It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections.
Consumer complaint received 2024-10-19
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. (WI)

Tranunion credit repor continue have accounts doesn't belong I'm being denied for any lines credit I'm being denied for housing these companies never say reason exqufax nor XXXX  always tranunion whom has XXXX accounts showing over XXXX on auto loan this account doesn't belong L refuse l make payments on accounts doesn't belong l feel like I'm being forced to make payments on accounts doesn't belong l have applied XXXX credit with XXXX years while making on time payment denied due tranunion errors after l depute accounts last over 90 days then l t Receive a letter stating theses accounts were removed then following months been reattached which not fair due to creditors hasn't given proof only the amounts l trued reached out to creditors whom stated information there bein pulled it matched my information from credit bureau. I asked why your not have lean nor garnishedment due to these companies doesn't have information. Company called XXXX auto over XXXX. Balance I'm not able too get Housin anywhere in my name then l have XXXX XXXX XXXX XXXX whom stated there information is same dont have any proof XXXX XXXX stated they advised tranunion removal but continue found on my credit report the letter attached below shows given reasons tranunion credit report