davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-15
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (WA)

I had a Venmo credit card issued by Synchrony Bank. I liked this card, but they refused to provide evidence for investigations I initiated. I am assuming this is because they didn't want to admit they actually didn't pursue any. They then CLOSED MY ACCOUNT without my permission which SEVERELY damaged my credit score. I am talking to lawyers about damages, and I asked Venmo for a stack of all my statements from XXXX to XXXX. The account was closed in XXXX ( again. I did not authorize this and Venmo REFUSES to provide the recorded calls, because then they would be liable for damages ). I received a letter from them that states I had a XXXX balance through the 2XXXX period, which is funny, since I charged more than {$20000.00} through that period. Venmo/Synchrony has repeatedly falsified information, withheld crucial items like recorded calls, and outright lied to the CFPB and other institutions ( XXXX, XXXX ) regarding " late payments '' which were never late. Venmo/Synchrony has caused extensive credit damage by closing an account WITHOUT PERMISSION and then vehemently refusing to provide my own recorded voice despite me having a record of all calls.
Consumer complaint received 2024-08-14
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: SYNCHRONY FINANCIAL (TX)

On or about XXXX XXXX I noticed a hard inquiry on my XXXX XXXX  that was not authorized on my behalf from synchrony financial. My personally information was stolen from my vehicle prior to this occurring. I had recently checked my XXXX XXXX  and have seen a hard inquiry from synchrony financial and want it removed immediately as it was not authorized by me. I have attempted to call synchrony and I havent received a response from them. I also attempted to call XXXX to have the hard inquiry removed immediately but they advised me to make a complaint and the agent that answered the call was rude from XXXX. Therefore I have to file a complaint with the CFPB in light of this situation to have my hard inquiry removed immediately.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

There was a XXXX XXXX credit card that showed up on my credit report that says I am an authorized user but I have no information or idea about that account. I disputed this with XXXX in XX/XX/XXXX and never heard anything about it again until it should up on a credit reporting for XXXX XXXX  when trying to buy a new house. I have filed a dispute with Equifax as well and still waiting to hear back as of last Thursday, XX/XX/XXXX.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2018-07-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC (KS)

Sent collection letter notice by XXXX XXXX XXXX regarding alleged medical debt, asked for verification of debt, received paperwork from XXXX XXXX containing screenshots & print out of account but nothing substantiating that the account belongs to or originated with me.
Consumer complaint received 2024-08-17
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: EQUIFAX, INC. (TX)

[ XXXX XXXX XXXX XXXX XXXX Il XXXX Re : XXXX : Dear [ XXXX ], I acknowledge receipt of your response to my debt verification request dated [ Date ]. However, the documents you provided consisted merely of account statements without any proof of debt ownership or identification of the original creditor and subsequent assignees. As mandated by 15 USC 1692g ( a ), the CFPB has recently heightened the requirements for a debt collectors validation response, which must now debt ; An itemized breakdown of the current debt amount, including interest, fees, payments, and credits from a specific date that can be cross-referenced with records ; The current debt amount as of the date the validation notice is provided. 
Your response dated [ Date of Response ] did not include any of the aforementioned details. 
In accordance with the FDCPA, please provide the following : XXXX. The name and address of the original and current creditor ; XXXX. Verification of the debt amount you are attempting to collect ; XXXX. Documentation of any assignment from the original creditor, including my name and the original account number ; XXXX. All relevant information on the securitization of the debt and proof of its reassignment to .Federal law, specifically XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX ( XXXX XXXX. XX/XX/year> ), and 15 USC 1692g ( b ), requires you to cease all collection activities ( including any contact with credit reporting agencies ) until you have properly validated and verified the debt amount. 
Please refrain from accessing my credit report or reporting this disputed debt. Any mention of this disputed debt should be clearly noted as such on my credit report. 
I appreciate your prompt cooperation in this matter. 
amount XXXX
Consumer complaint received 2024-08-17
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (NV)

In XXXX, I requested a Chevron credit card. After a few days, I hadn't received the card yet, so I asked to close the account and cancel the card. Since then, I haven't received any charges or the card. I thought this was resolved until I saw my credit score drop drastically due to delinquencies reported by this company. The initial amount is only {$6.00}, which is completely outrageous. I never received this charge, and the account was closed right after it was opened, without ever being used, since I never received the card. I haven't had any change of address. I demand that they remove this charge and eliminate the delinquencies from my credit report, as it is absurd. I do everything right to avoid these kinds of problems. This company needs to be held accountable for causing significant harm to consumers.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

I recently reviewed my credit report and noticed that these items do not belong to me. I would like to know will these items be removed. Inquiry 's are XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX These are on my XXXX report. I haven't applied for anything, I'm a victim of a XXXX  data breach that recently took place. 

XXXX XXXX Is reporting on my Equifax account also XXXX XXXXXXXX XXXX
Consumer complaint received 2024-09-17
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. (KS)

Information on the credit report file has consistently been inaccurate and even sometimes false completely and has not complied with requests to correct and desist use of my personal information. I have never consented to any of my personal and private info to be shared and it is outright fraud to Profit from it or to share or display my personal details in the public
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-08-10
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. (NY)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to XXXX negative information appearing on my XXXX This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my XXXX. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has XXXX my ability to obtain XXXX.
Consumer complaint received 2022-09-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC. (IN)

This account was charged off and have failed to send me a 1099c debt cancellation form. 
As income that is not allowed to be reported onto a consumer report so it needs to be remove immediately. 
It is in violation of FCRA 15 U.S.C 1681sXXXX ( a ) ( XXXX ) ( a ). 

Also this account keeps updating every month on my consumer report as charged off after originally being charged off on September 2021. They continue to repeatedly update the payment history which charge offs should not have active payment history. They have abused the statue of limitations and violated my rights. I am demanding a deletion of the account.
Consumer complaint received 2024-09-17
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)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX {$2300.00} XX/XX/2024 15 U.S.C , 1681section 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 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-08
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)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : Experian 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-03
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)

This morning, I discovered unauthorized inquiries on my credit report, and I have no idea why. When I checked my credit report like I usually do, I saw unexpected discrepancies. I even tried refreshing my browser, hoping it was a glitch, but it wasnt. The unauthorized inquiries remained. Because of this, I urge you to thoroughly review the documents Ive submitted so I can stop worrying about this issue once and for all.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX
Consumer complaint received 2024-08-10
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the law the fair credit reporting act, the list or accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX XXXX XXXX XXXX, account # XXXX Under 15 U.S.C 1681, section 602 A states, I have the right to privacy.

Under 15 U.S.C. 1681, section 602 A, section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 U.S.C.1681 c ( a ) ( 5 ), states no consumer reporting agency may make any report containing any of the following items of information, any other adverse items of information, other then records of convictions of crimes which antedats the reports by more then seven years.

Under 15 U.S.C. 1681-2 ( A ) ( 1 ), a persons hall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (TX)

XXXX was involved in multiple class action lawsuits. The settlement resolves allegations that XXXX violated consumer protection laws by exposing subprime consumers to unnecessarily high levels of risk and knowingly placing these consumers into auto loans with a high probability of default. As a result, XXXX was removed from my credit reports, and NCB XXXX XXXX had no right to purchase this defaulted loan. I request that XXXX XXXX be removed from my credit reports immediately, as it has caused extensive damage to my credit.
Consumer complaint received 2024-08-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (CO)

I paid off my student loans in full. Then, I applied for federal student loan relief and was issued a check by the us department of treasury as loan forgiveness. A few months later, Ed financial began requesting repayment. How can I owe payments when I already paid off my student loans in full?
Consumer complaint received 2024-08-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-08-10
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)

I have already sent a letter addressing the inaccuracies and unknown items on my XXXX XXXX, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken XXXX of and my XXXX are being XXXX. According to Section XXXX ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my XXXX XXXX Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the XXXX this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Subject : Formal Dispute of Debt - Request for Validation and Removal Based on FCRA and FDCPA Violations Dear Portfolio Recovery Associates Dispute Department, I am writing in response to your recent communication regarding an account that you claim I owe : Account Number : XXXX Original Creditor : XXXX XXXX XXXX 
Current Creditor : Portfolio Recovery Associates , LLC Balance : {$600.00} First, let me be clear : I dispute the validity of this debt. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I request that you provide full validation of the debt in question. I expect your response to include all relevant documentation that proves the debt is accurate, valid, and legitimately owed. 

Your communication, dated XX/XX/year>, failed to provide sufficient documentation to support your claim. The information you provided contradicts my records, and I demand clarity. Please provide the following : Proof that Portfolio Recovery Associates is legally authorized to collect this debt. 
A copy of the original signed agreement between myself and XXXX XXXX XXXX. that created this obligation. 
A detailed account of how the balance of {$600.00} was calculated, including interest and fees. 
Furthermore, I have already filed multiple complaints with the Consumer Financial Protection Bureau ( CFPB ) concerning issues with XXXX XXXXXXXX and Portfolio Recovery Associates. The complaint details are as follows : Complaint ID : XXXX Filed XX/XX/year> : Regarding attempts to collect debt not owed ( XXXX XXXX ). The case was closed after a company response. 
Complaint ID : XXXX Filed XX/XX/year> : Regarding credit reporting problems with XXXX XXXX XXXX XXXX . This case was closed and marked as a duplicate. 
Complaint ID : XXXX Filed XX/XX/year> : Concerning an issue with a companys investigation into credit reporting ( XXXX XXXX XXXX XXXX ). This case was closed after a company response. 
As you can see, these complaints demonstrate ongoing issues with inaccurate reporting and insufficient investigations by XXXX XXXX and associated entities, which are clear violations of the FCRAs requirement for accurate reporting across all credit bureaus. 

If you can not provide adequate validation of this debt within 30 days, I fully expect that this item will be removed from my credit report as mandated by law. If this issue is not resolved, I will pursue all available legal remedies under both the FCRA and FDCPA, including damages of up to {$1000.00} per violation. 

This letter serves as a formal request under the FCRA and FDCPA. I expect your response within the 30-day period as required by law. Thank you for your prompt attention to this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX. XXXX XXXX.
Consumer complaint received 2024-10-26
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: NCB Management Services Inc. (GA)

So i Voluntary surrendered a car to XXXX XXXX they sold the debt to NCB management every time I call NCB management theres no way for me to make a payment. They said they sent it over to this lawyer office. XXXX XXXX XXXX pl they put a judgement on me from ncb management but when you call the are debt collectors not lawyer they claim they are but not they want me to send them a check cant pay by card and I cant pay ncb management directly bc when I call ncb management they say track is managing this account they they send you to XXXX XXXXXXXX XXXX XXXX XXXX another debt collection company who is not reporting on my credit I am trying to resolve this debt that is being charged interest but cant bc I cant pay ncb directly so there running so type of shady business because I owe them the money not hayt hayt place thats not even on my credit please help