davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-07
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: CITIZENS FINANCIAL GROUP, INC. (MA)

My son XXXX wanted to pay off my car since he was XXXX in XX/XX/2017, helping the survivor victims in Puerto Rico. I have continuously received poor customer service from Citizens One employees over the phone and in person at the branch. My account number is XXXX, I have been given the wrong pay off balance since XXXX, I have gone into the branch and they have refused to accept the check my son sent me to pay off the car. In an attempt to finalize the car payment he went online and paid off the majority of the balance leaving a small balance of less than XXXX XXXX dollars. I went into the branch and was told that since the car was paid in full that they will stop taking the monthly payment funds out of my checking account. I was advised to mail in a check of the sixty something dollars to the pay off department. I did that and the bank went ahead and withdrew the full monthly car payment amount after the car was paid in full and cash in the XXXX XXXX dollar check that was suppose to be the final pay off. I disputed with my bank the unauthorized car payment deduction and now Citizens One bank refuses to send me my car tittle, they have sent me numerous letters one stating that my car was paid, then another one saying that they are sending me to collections and a third one stating that I have to pay for a replacement tittle for the car when they have never sent me the original tittle in the first place. I am a senior citizens and do not understand all this confusion, no one in the branch is willing to help me and over the phone I continuously get wrong information, pending balances and rude service. It is the banks responsibility to issue a tittle once the car is paid off, I have gone to the Motor Vehicle Department and was advised that the bank is issuing a lost tittle claim so I in return would have to pay XXXX XXXX dollars for a replacement tittle.This has been the worst experience of my life trying to get a straight answer to a pay off quote, if my car is indeed paid in full and to try and get my tittle to the car my son paid off for me so I wont have that bill.
Consumer complaint received 2024-09-06
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (TX)

I am writing to express my profound concern and dissatisfaction regarding the unauthorized credit pulls conducted by your credit card and loan bureau, which have resulted in the misuse of my personal credit information. As a responsible consumer, I have always prioritized the careful management of my finances, ensuring the security of my credit profile. However, recent events have severely undermined my confidence in your organization 's handling of my sensitive data. 

I have discovered multiple instances where my credit information was accessed without my consent or knowledge. These unauthorized credit pulls raise serious questions about the security measures in place at your bureau. The misuse of my credit information has had negative consequences, including a sudden influx of inquiries and credit applications that I did not initiate or authorize. This has adversely affected my credit score and potential financial opportunities.

Moreover, rectifying the damage caused by these unauthorized actions has been time-consuming and inconvenient. I have had to invest significant effort in disputing the unauthorized inquiries with various financial institutions and providing evidence of their unauthorized nature. This process has caused considerable stress and XXXX. 

I trust that you recognize the seriousness of this situation and will take swift and decisive action. As a responsible consumer, I have fulfilled my obligations, and I expect the same level of responsibility and accountability from your organization. 

Thank you for your immediate attention to this matter. I anticipate a prompt resolution.
Consumer complaint received 2018-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am a cosigner on a loan with my son at XXXX. The loan was for a {$67000.00} signature loan taken out in XX/XX/XXXX. At all times during this loan, payments were always made on time. 

On XX/XX/XXXX, my son ( one of the applicants on the loan ) filed for bankruptcy. However, my ex husband and myself did not ( co-applicants on the account ). So according to the loan agreement, I am still responsible for the payment of this loan. I did not file for bankruptcy. After the bankruptcy was filed, XXXX charged the account off and reported the account as a charge off to my credit report. This action dropped my credit score over 135 points. At the time this loan was charged off, the account was current. It is also noteworthy to mention that XXXX took a payment on XX/XX/XXXX and subsequently returned it to my son. XXXX never notified me that one of the applicants filed for bankruptcy and they never gave me an opportunity to make payments on the loan. 

XXXX is damaging my credit report by reporting this account as charged off. They charged the account off while it was current. Furthermore, a bankruptcy filing by one of the three applicants on the loan should not negatively affect the credit of the other two non-filing applicants, especially when payments have been made on time.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KS)

XXXX Acct ending in XXXX. 

XXXX sent an invoice to me which was {$12.00} less than the invoice they sent to their collection agency, XXXX XXXX XXXX. I paid the lower invoice on time. XXXX XXXX, however, charged me an additional {$580.00} over the next 6 months for interest and late payments. I had not included the XXXX in my payments. I did not see the second invoice. When I started to receive late payment notices, I did not know who XXXX XXXX was. I discovered they were the collection agency for XXXX. I tried contacting them and XXXX using dispute claims, phones calls and emails. I could not contact a live person at XXXX XXXX, so I paid {$580.00} in XXXX of this year. 
In XXXX of XXXX, I ordered a XXXX XXXX on-line. On XX/XX/XXXX, XXXX issued an invoice for {$1700.00} ( Exhibit XXXX ). They sent the billing & invoice to me for this amount along with the refrigerator ( Exhibit XXXX ). I paid this invoice using on-line banking, setting automatic payments of $ XXXX, starting in XX/XX/XXXX, for 11 payments and the remaining {$110.00} payable on XX/XX/XXXX ( total {$1700.00} ). All payments were made on time ( Exhibit XXXX ). 
Following the first invoice on XX/XX/XXXX, XXXX cancelled it and issued a second invoice for {$12.00} more ( Exhibit XXXX ). They sent this invoice to XXXX XXXX XXXX for collection. 
Not receiving the {$12.00}, XXXX XXXX charged my account from XX/XX/XXXX through XX/XX/XXXX a total of {$580.00} for deferred interest, interest charges, and late fees. XXXX XXXX XXXX needs to return the {$580.00} and contact the 3 major credit agencies stating that no late payments occurred because of an invoicing billing problem by XXXX.
Consumer complaint received 2018-05-07
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: SYNCHRONY FINANCIAL (MI)

Ive been receiving harassment calls for almost a year and tried disputing this fraudulent account Im not liable for several times. Now Im being threatened to be exposed on local newspapers also posting documents regarding this debt in 3 public places. They are now stalking me to job and home also left a paper stating its from a XXXX XXXX XXXX on XX/XX/2018. Its not my debt! Its scaring my family that random people are filling us trying to serve us documents. The debt collector is XXXX XXXX XXXX and contact information on the letter posted on my door is XXXX @ ( XXXX ) XXXX
Consumer complaint received 2023-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (SC)

On XX/XX/XXXX, I received a text message from Wells Fargo asking me to confirm a transaction made for {$420.00} at a XXXX in CA. I replied XXXX as instructed as it was not me making this transaction. This was followed by another text message saying that a representative would call me shortly. I immediately received a call from XXXX, I XXXX the number immediately and saw it was Wells Fargos number. My XXXX XXXX XXXX had just gotten sick all over and I was in the process of cleaning this up as well as trying to get out the door to pick up my other daughter. The individual on the phone was a young man with an American accent. He already had a lot of my information and asked me a series on questions to confirm, he informed me that someone in California was currently hacking my account. He had me change my password and once I logged in a wire transfer was being processed for all of my money, {$4000.00}. He said he was able to stop it and it would be back in my checking account within XXXX minutes. Immediately following the end of our call ( within XXXX minutes ) I called Wells Fargo and asked to be transferred to their fraud department and realized it was a scam. The wire transaction was still pending when I reported the claim. I hadnt heard anything regarding the status so I called back in on Monday, XX/XX/XXXX, where I was told that my claim was denied as by the time WF reached out to the receiving bank ( XXXX XXXX ) the funds were no longer available. They informed me that WF has a XXXX business day investigation window to attempt to receive the funds. Of course the funds were no longer available toward the end of the XXXX business days as it was a scam and the scammer would have moved the money right away. I asked to speak with a manager and was transferred to the escalation team, I again asked to speak with a manager and was told they put in a request for a callback and I should hear from a manager within XXXX business days. On XX/XX/XXXX I went into the closest Wells Fargo branch and sat down with a representative and explained the situation. They then called the fraud department on my behalf and was transferred to the escalation department and then another request was submitted to speak to a manager. I have yet to receive a call and today is XX/XX/XXXX. Ive been a Wells Fargo customer since XXXX and it is just mind blowing the lack of respect and urgency in such a situation. Im submitting this complaint to highlight their negligence in this instance, hyper focusing on their lack of security, lack of urgency / slow resolution times and lack of support in fraud disputes.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (FL)

XXXX financial sold my mortgage to Chase on XX/XX/XXXX of 2022, I was never sent a letter to inform me of this change. I had my bank account set up to auto draft my payment every month. I had been in my house over 14 years and have never missed a payment. When my bank sent the payment to XXXX after they had sold the account XXXX sent the payment to chase. Then the next month when XXXX received the payment they sent it back to my bank. I was not aware of the change until my bank contacted me and told me the payment had been returned. I contacted XXXX who told me they had sold the account. Then I contacted chase at which time the payment was already late. Chase told me that if I provided them with proof that my bank had sent the payment to XXXX  on time and a good faith letter from XXXX  admitting it was their mistake they would amend the credit report. I sent them both of those things and they refuse to fix the missed payment report. I have USPS reporting that sends me a email of all my mail, I never received a notice that my mortgage company had sold my mortgage and that I needed to take action.
Consumer complaint received 2023-06-28
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)

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 XXXX Account name : XXXX  Account number:XXXX  Account name : XXXX Account number:XXXX  Account name : XXXX  XXXX Account XXXX Account name : XXXX  XXXX  Account XXXX has violated my rights. Or 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 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 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am filing this complaint against the major credit reporting agencies ( XXXX, XXXX, and TransUnion ) due to the reporting of a bankruptcy on my credit report. Specifically, the credit bureaus have listed the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as the data furnisher of this bankruptcy information. This is false, as I have received an official letter from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating that they do not furnish information to any credit reporting agencies or credit monitoring services. Furthermore, they have confirmed that they do not verify or validate any bankruptcy-related information for the credit bureaus. 

Despite providing this information to the credit bureaus and disputing the inaccurate reporting, the credit bureaus have failed to remove the erroneous bankruptcy from my credit report. This inaccurate bankruptcy listing has caused significant harm to my creditworthiness, including a negative impact on my credit score and potential denial of credit. It is crucial that this inaccurate information be corrected immediately.
Consumer complaint received 2023-06-28
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: ACIMA CREDIT, LLC (PA)

UPDATE TO CLAIM # XXXX UPDATE TO CLAIM # XXXX UPDATE TO CLAIM # XXXX ACIMA IS IN WILLFUL VIOLATION/ NEGLEGENCE AND NONCOMPLIANCE under its fiduciary duties as a FINANCIAL INSTITUTION under the Regulations of the CFPB and 12 CFR 1016.15 ( 1 ) -- 12 CFR 1016.7 -- 12 CFR 1016.10 -- - 12 CFR 1016.4 -- 15 USC 6802b ( B ) ( C ) -- 15 USC 6803 -- 15 USC 6804 -- 15 USC 6801. ACIMA has claimed they will not honor my direction to cease reporting and have referred to there alleged Privacy Policy giving them the authority despite their obvious failure to meet the requirements of a FINANCIAL INSTITUTION under these provisions. A printed copy of their Privacy Policy was printed and sent but the CFPB may view so here for further reference. https : //www.acima.com/privacypolicy
Consumer complaint received 2023-06-28
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: VYSTAR CREDIT UNION (FL)

On XX/XX/XXXX  and XX/XX/XXXX  I went to Vystar Credit Union in XXXX, FL to cash checks written on that bank. I have cashed checks there before with no problem except for these dates. 

I was asked for my dl and another form of ID which I provided. Then I was asked to provide my SS # and phone # which I did. 

The cashier then proceeded to write my address, SS #, DL #, and phone # on the back of the CHECK. Other times the cashier wrote the info on a sticky note and gave it back to me after the transaction. 

When I asked why this was done I was told I could cash the check at my bank. With all the concerns of identity theft I dont understand why this is done.
Consumer complaint received 2023-06-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX  Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022 & XXXX Date of Inquiry XX/XX/2022
Consumer complaint received 2023-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 corrected : 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 2023-06-28
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: Experian Information Solutions Inc. (IN)

I am writing to file a formal complaint regarding the credit bureaus ' response to my dispute concerning inaccurate information on my credit report. The credit bureaus have claimed that the disputed items have been validated without providing any substantiating evidence. I seek your assistance in addressing this matter in accordance with Title 15, Section 1581. 

As a responsible consumer, I recently exercised my rights under the Fair Credit Reporting Act ( FCRA ) by submitting dispute letters to the credit bureausXXXX, Experian, and XXXXregarding certain items on my credit report that I believe to be inaccurate. I provided clear and specific details outlining the inaccuracies and requested that these items be thoroughly investigated and either corrected or removed. 

However, to my disappointment, the credit bureaus have responded with generic form letters stating that the disputed information has been " validated '' without offering any verifiable proof or documentation to support their claim. This raises serious concerns regarding their compliance with the FCRA, particularly Title 15, Section 1581, which emphasizes the importance of accuracy and fairness in credit reporting. 

I firmly believe that the credit bureaus have not fulfilled their obligation to conduct a reasonable investigation into the accuracy of the disputed items. They have failed to provide any concrete evidence or documentation validating the accuracy of the information in question. As a result, the inaccurate items remain on my credit report, potentially causing substantial harm to my financial reputation and creditworthiness.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

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 Date opened : XX/XX/2016 Balance : XXXX Under FCRA law, 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.
Consumer complaint received 2023-06-28
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. (TN)

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  Date opened : XX/XX/2016 Balance : XXXX Under FCRA law, 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.
Consumer complaint received 2023-06-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

Date XX/XX/2023 Amount {$710.00} Collection Agency ( XXXX  ) for ( XXXX  XXXX ) I paid this debt in full. I never got a reciept from the company, stating I paid in full, I had to call and ask for paid in full document. I consistenly asked XXXX  XXXX and XXXX to remove it off my credit report and its a cat and mouse were collection agency is saying XXXX XXXX has to do it and visversa. I'm getting nowhere please help.