davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SYNCHRONY FINANCIAL (GA)

Subject : Complaint Against XXXX XXXX for Fair Credit Reporting Act Violation Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX, XXXX for repeatedly violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. XXXX XXXX has reported several derogatory remarks on my credit report without providing any prior notice or correspondence regarding any alleged debt. I have never conducted business with XXXX XXXX and have no knowledge of owing any debt to this company. 

These actions have severely impacted my credit score and financial well-being. Despite my attempts to resolve this matter directly with XXXX XXXX, I have received no satisfactory response or verification of the debt. According to the FCRA, I am entitled to a fair and accurate credit report, and XXXX XXXX 's failure to validate the debt or notify me of its existence is a clear violation of federal law. 

I respectfully request the Consumer Financial Protection Bureau to investigate this matter promptly. I demand verification that the debt is owed to XXXX XXXX. If such verification can not be provided, I insist that all derogatory remarks be removed from my credit report immediately. If this issue is not resolved, I will have no choice but to pursue a civil suit to enforce my rights under the FCRA. I will have attached documents reflecting the Creditor reporting numerous erroneous remarks. 

Thank you for your attention to this urgent matter. 

Sincerely, [ Your Name ]
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

Recently, I ordered copies of my credit reports and discovered numerous accounts that do not belong to me. These accounts were not opened by me, and I am a victim of identity theft. In XX/XX/2024, I mailed a priority letter containing copies of my current driver 's license, Social Security card, FTC Identity Theft Affidavit, and a police report to XXXX, Equifax, XXXX, and other entities reporting fraudulent accounts on my credit report. 

Unfortunately, it appears that the documents I sent were not properly attached to my accounts. This mishandling has resulted in the fraudulent accounts not being removed from my credit report, which is severely hindering my credit. I called in on XX/XX/XXXX XXXXXXXX XXXX I was told my letters was not received. 

To protect myself further, I will be placing a freeze on all of my secondary bureaus as well. However, I urgently request that the fraudulent accounts be investigated and removed from my credit report as soon as possible. 

Please acknowledge receipt of this complaint and the steps that will be taken to rectify this situation. I appreciate your prompt attention to this matter.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Under FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY, I have the right to verify that the credit reporting agencies have correctly verified my identity to these accounts on my credit report AFTER I have already disputed these accounts with wrong names, addresses, and accounts I NEVER gave consent to obtain and have on my credit. I have asked and submitted online request to all 3 major credit reporting agencies, they stated that it was verified without any proof or correspondence to notify me properly. I have requested that these names and accounts be removed immediately for knowingly/ unknowingly to continue to report false or innaccurate information on my credit report. 

Below are a list of aliases, accounts, and addresses that I have disputed and have no knowledge of : 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 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 2024-07-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: SYNCHRONY FINANCIAL (NY)

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which it prohibits. They furnished his account that we didn't agree upon and i didn't sing an agreement on. A legal contract is signed by two parties and i did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. according to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-03-25
Product: Credit card or prepaid 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: CITIBANK, N.A. (NY)

XX/XX/XXXX I received a fraud alert for my Sears Mastercard I advise that I did not make the charges. I was told the account was supposed to be closed. I later received alerts that the account had incurred more charges in XX/XX/XXXX. I disputed those charges and could not understand how they would allow the account to accumulate additional fraudulent charges when the account was supposed to be closed due to it being compromised. I was very upset and frustrated to receive the phone calls and to know that this could occur. It was very disappointing and devastating as it affected my ability to purchase a home. During the discussion I asked that they ensure they close the account and it remains close. I asked they not have any active accounts for use due to the security issues. I dont feel like a new account would be secure at this point. 

I had to follow up with them periodically to see what was going on and why it was taking so long to clear my record. This was very difficult. Finally on XX/XX/XXXX. I received a letter indicating they had finished their investigation and as a result they removed all disputed charges and any related fees and interest charges from my account. I did not receive anything stating that I owed money, I did not receive a itemized statement. 

On XX/XX/XXXX, I received a notification my account is past due. I called to ask what was past due. I inquired if they were missing a note that the account had fraudulent charges. I didnt have a billing statement. I advised I didnt owe anything and I recently received a letter that the disputed charges were removed. The representative informed me she would transfer me to the fraud department and when I spoke to a representative there, they said that they would look into it they saw something and I figured the records had needed to be caught up and corrected. 
I have inquired on XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and I called again today XX/XX/XXXX to see what was happening with my account. I was told they still have a charge on the records from the dispute for over {$1300.00}. This has caused undue suffering as I have to still dispute this matter. Im further disappointed because I asked that the account not be active for use due to prior security issues as I dont feel like the account would be secure. I also never consented to activate it. I was advised the account was active. This is concerning and just shows that they continue to be negligent on their end to protect my account and my credit rating as a consumer. I asked them again today to make sure the account is not active for use. 

Im filing this complaint as I need a resolution ASAP, this is negatively impacted my ability to get things done for my family.
Consumer complaint received 2024-07-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

My complaint is with my bank Wells Fargo, My phone was stolen on Sunday XX/XX/XXXX early morning around XXXX am. Someone was able to login to my online banking account and make fraudulent transfers to themselves. There was a total of XXXX fraudulent transactions, that went through, without my bank blocking them. Here is a list of the transactions, XXXX transaction for {$2000.00}, XXXX transaction for {$1000.00}, XXXX transaction for {$500.00}. They also initiated a cash advance transfer to the checking and preceded to send our more cash via apple pay totaling to {$2000.00}. A grand total of {$5500.00} was withdrawn from my account via online banking without getting in contact with me. This is my primary checking account that I pay all my bills out of, and it completely emptied out. Also, I have never in my life processed a cash advance from a credit card. I am very frustrated with Wells Fargo for allowing all these transactions to go through without putting a hold on my account. I contacted them within 6 hours and my claims have no resolution, it has been 4 days. I have been credited nothing I am currently unable to pay my rent, and other expenses. As well as them increasing my credit card balance, it is going to affect my credit score.
Consumer complaint received 2024-07-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NC)

I opened a Carecredit account in XXXX to pay for some emergency vet bills for my dog. I do not remember selecting the " XXXX XXXX fee '' option on my application. They have been charging this fee buried in my statement since I opened the account. 1.6 % per every {$100.00} per month which equates to almost 20 % extra APY. I've spent over {$8000.00} in this fee alone, in addition to interest charged. I noticed this charge and called the number on the back of the card which is the Synchrony customer service. They tell me I have to speak with a 3rd party company, " XXXX XXXX ''. I call this XXXX XXXX on XX/XX/XXXX and get them to remove this from my account and offer me a refund because I didn't sign up for this. The first agent I spoke with was able to give a total amount that I've paid in fees since the creation of the account, which came to {$8100.00}. I request to speak with a manager and they tell me they can only refund up to one year and give me a case number for the resolution department. They claim I will be contacted in 7-10 business days. I call back on XX/XX/XXXX to check the status of this " resolution '' by the case number they give me. Nothing new so I request to speak with a manager. I've been hung up on multiple times in this entire process. I finally speak with a manager and ask for a copy of my application ( I've asked both Synchrony customer service and XXXX XXXX ) but they tell me they can't do that. I also ask them to tell me my total amount paid but they claim they can only see 1 year. I confront them, asking them how did the agent give me that very specific amount the first time I called but not now? I do have proof of this agent giving me this number. They couldn't give me an answer for this, just repeat the same scripted response. I ask to be transferred to to the resoutions department but they claim that they can't do that nor will they provide me a phone number. Still waiting for any type of correspondence from the " resolutions '' department. This is one of the worst companies I've ever dealt with in my life. There's a reason they have a 1 start rating on the XXXX  website. Both Synchrony and " XXXX XXXX ''. They both are not forthcoming when speaking with any of their support agents and they refuse to provide me with the information I've requested. ( Transactions past one year, copy of account application ) etc. After doing research on this company, I know I wasn't the first and won't be the last to deal with this shady business.
Consumer complaint received 2024-07-23
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. (GA)

I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have responsibility to report information to the best of their ability with maximum accuracy. 
I have never been late on payments for the accounts that i have included screenshot inside this complaint in on of ( XX/XX/year> ) ( XX/XX/year> ). Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided i demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! please
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (FL)

Checking my credit report, I noticed irregularities with two accounts in charge-off status under the name SYNCB. The report itself indicates that these accounts were considered losses by the company ; however, they remain on my credit history, which has only negatively affected me. These accounts are presenting consistency errors with the three credit bureaus. These inconsistencies include data such as reporting dates, last activity, opening dates, and high balances. All of this led me to dispute this information directly with them, but they did not respond to my requests to validate the accounts.
Consumer complaint received 2024-09-30
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. (IL)

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 2024-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (IN)

On or about XX/XX/2024, we went to Navy Federal to add you as a joint account holder and have the banker sign my direct deposit form. My husband and I provided my license and paystub for verification. While we were there, the banker issued us debit cards. We then asked if we could transfer money into the account to have funds available. The banker confirmed this was possible within the transfer limit. I informed her that I wanted to transfer {$8000.00} from my checking account. She advised us to wire transfer that amount. 

After following her advice, I found that I could not access my account by the time we left the bank. We stayed in the parking lot for about an hour, thinking it was a connection issue, but the problem persisted. We went back inside, and the banker called security to lift the lock on my account. However, by the time we got home, my account was locked again. I called Navy Federal, verified my identity, and regained access.

The next day, my account was locked again. I called Navy Federal, verified my identity 
by sending my license and another form of verification, and waited 72 hours. I was then informed that I could no longer access my account. I submitted an appeal to prevent the account from being shut down. 

On Monday, XX/XX/XXXX, my husband and I went back to the bank to resolve the issue in person. The banker noticed that I had mistakenly sent my old license with my maiden name instead of my married name. I then provided my correct license and marriage certificate. Later, when I called for a status update on the appeal, I was informed it had been denied. I requested that my money be transferred back to my XXXX account. Navy Federal then accused me of having a fraudulent account and refused to provide further status updates. 

I called XXXX to see what could be done. They initiated a recall to Navy Federal to have the funds sent back. It has been over a month dealing with this. On XX/XX/XXXX, I called Navy Federal for a status update on the wire transfer. Despite XXXX confirming the transfer was legitimate, Navy Federal continued their investigation without providing any clear timeline or reason. 

I expressed my dissatisfaction with their customer service. XXXX informed me they had not sent a hold harmless letter because there was no indication of fraud. Navy Federal insisted this letter was required to wire the money back. I requested XXXX to send the hold harmless letter to Navy Federal regardless. 

This issue needs to be resolved promptly. I expect Navy Federal to act professionally and expedite the return of my funds to my XXXX account.
Consumer complaint received 2019-12-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Io, Inc. (NJ)

I XXXX XXXX, Hereby state the truth concerning this matter involving the following Reivable Management Systems, XXXX XXXX, and XXXX  credit bureau .On XX/XX/16, I was an patient at XXXX XXXX medical facility of XXXX , New Jersey XXXX XXXX XXXX XXXX.I have healthcare insurance which paid the majority of the bill, I was asked too pay XXXX co pay on my way out, as well as purchase my perscriptions I was force to buy from XXXX XXXX after countlessly explaining I have a perscription plan within my healthcare plan that was more economical than what they were imposing on me.I have receipts for all the services rendered that day.I left knowing everything was taken care of, Until i checked my credit and noticed a collections from Receivable Management Services in the amount of XXXX.I contacted RMS to verify the debt in question acct. # XXXX, RMS responded with a letter with inaccurate information. I have no contract with RMS nor am I confident they are license to conduct business in New Jersey State.XXXX XXXX claimed i owed an additional XXXX after i paid everything they asked of me that day.My insurance paid and I paid CASE CLOSE. No now this is on my XXXX   credit report a mere XXXX dollars that i do not OWE.Not only is it on my credit ruining opportunities for a mortgage, car loan, etc.ITS XXXX NO its XXXX dollars.
Consumer complaint received 2024-07-22
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: NAVY FEDERAL CREDIT UNION (TX)

I am experiencing real danger for my life I have expressed how there tactics. I am a natural person explaining loss from one of the most difficult times of XXXX. XXXX XXXX many of us where affected by the loss of family members and income is not where it was before this storm. Now a corporation is unable to speak and give a hand to a natural person that's living in a world of strife and dishonesty. I was not given clear and conspicuous information of how there going to committing acts of Extortion. To share a private matter with the public I don't believe this is " Federal Guidelines '' for a Consumer to deal with.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I noticed that there was a late payment on my credit report that was 30 days late in which I never meant for that payment to escalate to that point, I have been unemployed for quite sometime, I have been homeless without a car, a place to live, nor food to eat and I have asked for help in any way that I could without success. I have explained in the late payment letter that I would not be able to get a place, a job, nor car if this Goodwill Courtesy is NOT granted and I have knowledge about how credit reporting works as I worked in the line of business previously. However, I have NEVER paid late, my income has been under the table having done odd jobs for people and I do not have a W-2 as the amounts vary from time to time. I am asking this as a one-time courtesy as I plan to pay on-time and I am hoping to have steady income soon. I have been on my own since I was XXXX XXXX XXXX, I have been in and out of various group homes, etc. I have been evicted from my home and had my vehicle repossessed due to lack of income. I am asking that this late payment be removed from the attached credit report and also removed from the other two as well ( If it has not been already reported. I have not had steady employment since XX/XX/year> and I have been trying to find a job. The only income I receive is food stamps and that barely gets me through. I have been denied unemployment benefits, no help from anyone and all of the resources I contacted require me to have employment as the help would only be temporary.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

As per the guidance from the Consumer Financial Protection ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )