davidheineman/consumer-finance-complaints-large huggingface dataset:
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: Experian Information Solutions Inc. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2023-06-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (AL)

Upon checking my credit report i see that your company is reporting on my credit for a credit card that was not in my possession and that i did not apply for. I see that the original creditor is synchrony bank and i have been in touch with the official XXXX of this company regarding this situation i have tried to work with your company but i was basically belittle and told me that the only way i can make this go away is to pay for something that is not my debt or a card that i never had in possession. I have a police report for identity theft and have been working with your company but i have not been getting any good response for this. so i am writing you now to try and solve this and remove this from my credit report considering your company did not send me a validation letter or anything with my signature on it.
Consumer complaint received 2023-11-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (TX)

Hello, On or about the first of XXXX, I had another disappointing visit inside XXXX 's Navy Federal Credit Union in XXXX, Texas. I appreciate the institution but branch manager XXXX, makes it impossible to complete daily transactions on regular basis. I've brought her antics to the attention of their corporate office via phone but, am concerned my pleas have gone ignored. 

Moreover, her colleagues tend to follow suite because XXXX 's unable to ensure debit cards are active and ready for use. Following my visit with he and constituent he was training the other day, XXXX claimed the cards one received via mail were active. Consequently, one had to make a third trip back to the bank since I was still in vicinity. This is because they declined during a purchase. Ironically, he never gave me an explanation as to why, the cards were inactive. 

Now, I'm under an impression the office is making a mockery of my encounters with XXXX. Leading XXXX to believe I've been targeted. So, at your convenience, would you please help me earn reassurance when re-visiting the branch? 

Concerned XXXX, XXXX XXXX
Consumer complaint received 2023-11-12
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)

In accordance with the fair credit reporting act these creditors XXXX : XXXX XXXX XXXX : XXXX XXXX has violated my rights 15 USC 1681 section 602 states : I have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-11-11
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 Sent my letter off on XX/XX/2023. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 
List the accounts Accounts TYPE OF ACCOUNT : COLLECTIONS ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

TYPE OF ACCOUNT : COLLECTIONS ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

TYPE OF ACCOUNT : COLLECTIONS ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report.
Consumer complaint received 2023-06-03
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. (AL)

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. 

The letters are stated with items and issues. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

In accordance with the Fair credit reporting act Bank of America account # XXXX and XXXX XXXX Bank account # XXXX, have violated my rights. 

15 USC 1681 Section 602 state I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 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 2023-11-11
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)

XXXX XXXX XXXX # XXXX XXXX # XXXX If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without in- curring an additional finance charge, such addi- tional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2023-09-15
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. (GA)

On XX/XX/2023 a dispute was filed on my behalf by XXXX XXXX for a XXXX XXXX ( XXXX ) TRANSUNION is reporting on my credit report. As of XX/XX/2023 I have yet to receive any results of my dispute. According to the FCRA, credit bureaus have 30 days to respond to a consumer 's dispute or the account should be DELETED. It has been 50 days with no response from TRANSUNION, which places them in violation of 15 USC 1681 ( i ). The only remedy for this matter is for TRANSUNION to delete this XXXX XXXX ( XXXX ) immediately. I intend on holding TRANSUNION liable for any undue financial hardship I've suffered by there negligence of the law and violation of my rights unless this DELETE this account.
Consumer complaint received 2023-06-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Chime Financial Inc (VA)

We received an email about a phone number being changed on our account. Emailed Chime : Received standard response to login and fix. 

Emailed stating they were now sending sign in verification code to the wrong phone #, and to please deactivate the account : I do not use Chime. 
Please de-activate any account and any activity related to my email address and confirm. 

Attaching all of Chimes responses which keep telling me to send them my photo ID?!!! This is scandalous. Ive been spammed. Caution at highest level now. And you tell me to send a photo ID?! 

Also, bank and routing number added and emailed to me. So I now have someone elses bank info. And a debit card is on the way to my house?! 

Including snapshots of Chime responses and email correspondence. 

Clearly do not have proper fraud protections in place, and more specifically, have not deactivated whatever account is tied to my email and name.
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

XXXX reporting late payments on account that I should not have. XX/XX/2021 XXXX the {$500.00} installment loan with XXXX. To which I paid all my payments on time for the next XXXX years. 

Unbeknownst to me, XXXX switched my account from a {$500.00} loan to a {$750.00} loan without my consent. XXXX never provided me with any option to opt in or out, but instead forced me into the new contract terms. See the attached screenshot of my account and look how the amounts changed from {$500.00} to {$750.00}. XXXX will not be able to show my consent. 

As a result, I eventually received the bogus late payments without the required 21 day notice being mailed to me. 

XXXX has been evasive in addressing the change of the {$500.00} to {$750.00} loan and the fact they didnt have my consent for the change. 

Its important to know that the change ultimately caused the late payments. Which should have never been made because I had completed the terms of my ORIGINAL CONTRACT! 

Due to the inaccurate late payments reporting on my credit report, my Experian score dropped XXXX points in XXXX month. Thus destroying my credit worthiness! 

XXXX is a terrible company that prays on people trying to get their credit in good standing while using it to profit off the poor XXXX XXXX people.
Consumer complaint received 2023-11-11
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. (FL)

I have reported fraud on my credit report as there is a collection of {$390.00} on my account that is fraudulent. I have disputed this collection on all 3 credit bureaus multiple times along with the address associated with the account as it is not valid. This account has not been removed from my report. The fraudulent account that is being reported on my credit report is XXXX XXXX XXXX. I have not conducted any business with XXXX XXXX XXXX or XXXX XXXX. This account was opened on my report on XX/XX/2021. I would like to have this account removed from my credit report as it is fraud and possibly identity theft.
Consumer complaint received 2018-07-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I submitted a loss mitigation package to my lender, SPS, on XX/XX/2018. I then submitted more documents on XX/XX/2018 to complete the package. I am now being told by SPS that there is nothing they can do because the sale date is too close. My sale date is scheduled for XX/XX/2018. I am a US Veteran and no one from SPS ever reached out to me to offer me any assistance. I have never been assigned a designated point of contact and the excuse that there is not enough time to review the information I sent on XX/XX/2018 is absurd and a violation to my rights. SPS has always given me the run around and now I am forced with no other options.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (PA)

RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX My Address : XXXX XXXX XXXX XXXX XXXX PA XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

Delete any and all other phone numbers. 


I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXX PA XXXX
Consumer complaint received 2023-11-11
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: DISCOVER BANK (MT)

In XXXX I purchased some items that were not resolved one for {$280.00} and the other for {$490.00}. There were items missing from my order. I tried to resolve with the company and they told me to weigh the box. I finally got them to accept a return of the items. I sent this proof to DiscoverCard and they did not accept this evidence that they received their items back even with the company saying that they got them back.
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

While looking at my credit reports, I noticed the following account had a discrepancy in the " payment history '' section of the auto loan from capital XXXX auto financing Account ending in XXXX This charged off account is reporting payment history each month last a late payment, when it should not since the account has been charged off, This is falsely manipulating the statute of limitations which is a FCRA violation. Because of this apparent neglect in assuring everything in my report is accurate, consistent and updated
Consumer complaint received 2023-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: PENTAGON FEDERAL CREDIT UNION (MN)

They offered me a credit card with a {$200.00} bonus credit if I spent {$1500.00} dollars. As well as fairly high cash back numbers on certain purchases. 
I spent the money but instead of giving me the cash back, they gave me " bonus points '' which are not worth the {$200.00} because you can only spend them on gift cards with a huge surcharge. for instance it costs {$30.00} worth of points to puchase a prepaid " digital '' credit card with {$25.00} on it. And this card aside from being impossible to use outside the internet, expires in 6 months. Presumably the company just keeps any unspent money. 

I spoke to a XXXX. ( after 4 day of trying to contact them ) She had a horrible accent and just told me " too bad, that credit card doesnt give money back '' then refused to give me her supervisor.
Consumer complaint received 2018-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (TN)

I have paid off my Credit card balance on my target red card. However that collection is still showing on my credit report. 

While paying balance off, XXXX credit department promise me that, this will go off from credit report once balance paid off. 

Need help on removing this collection from my account. 

Thanks & Regards, XXXX
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MN)

Here it is. XXXX XXXX day I was looking at my XXXX XXXX XXXX when I noticed 4 accounts that I never archived. Notifications were turned off for each thread. When I clicked each thread the only thing in the thread was XXXX XXXX  sending out money to accounts that I not only do not recognized, but were clearly fake accounts. The profiles each had under 100 friends and XXXX  photos as profile pictures. The total ammount was XXXX XXXX All sent 4 transactions happened in less then 30min. This happened on XX/XX/2022 around XXXX XXXX  to XXXX. I vaguely remember getting a suspicious login email as well as I had to change my password. I have reached out to Chime 4 times I've spoken to a supervisor whom was very unhelpful. I gave all the details I've given you here plus more. Each time the dispute was shot down very quickly. This is just wrong. Where is my protection? I am out almost XXXX XXXX This isn't a uncommon theme with Chime bank after doing some digging online. I also have a screen shot from XXXX XXXX XXXX  in that log clearly shows that someone gained access to my XXXX account.
Consumer complaint received 2023-11-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (PA)

On XX/XX/2023 financed a XXXX XXXX XXXX with Credit Acceptance Corporation ( CAC ). The XXXX XXXX XXXX was purchased from Impressive auto sales in XXXX, PA. 

Spoke to salesman XXXX on XXXX asked price of car and was advised it cost {$8900.00}. 

XXXX asked me if I liked the car and to submit loan application on impressive auto sales website. 

Later in the day XXXX informed me that I am approved for the loan. 

XXXX asked me how much down payment I am able to put down. 

Advised XXXX I can put {$1500.00} down payment and would be in the next day to test drive car. 

On XX/XX/2023 test drove XXXX XXXX and agreed to move forward. 

I asked XXXX again how much the car cost and he said it cost {$10000.00} because I am financing the car. 

I informed XXXX that the car is advertised for {$8900.00} and when I spoke to him on the phone and informed him I would be financing car, the price did not change. 

XXXX then said my monthly payments are {$280.00} for 66 months. 

I asked XXXX what the out the door price is and he would not tell me. 

I informed XXXX my XXXX score is XXXX and I dont know how he got to the monthly payment amount. 

XXXX refused to show me any documentation only to mention that in order to do the deal I have to get a warranty that is included in the loan for {$1600.00}. 

I needed a car to get back and forth because there is no public transportation to take me to work and back home. 

I really feel taken advantage off and ripped off. 

I paid the {$1500.00} down payment with the warranty included, which I did not want. 

The total amount financed is XXXX and monthly payment of {$280.00}. 

I called CAC on XXXX and canceled the auto warranty issued by XXXX XXXX. 

CAC deducted {$1600.00} of my loan and left an unpaid balance of {$10000.00} with monthly payment of {$280.00}. 

If is not fair the I still have the same monthly payment of {$280.00} when CAC deducted {$1600.00} when I cancel the contract. 


Moreover, I deserve a lower finance rate because my XXXX score was XXXX. 

Its amazing that CAC never provided my XXXX score to me before loan was issued. 

With loan balance of {$10000.00} on XXXX my monthly payment would be {$240.00} for 66 months with interest rate of 18.99 %. 

How it is now pay on balance of XXXX on XXXX, my monthly payments are still {$280.00} for 66 months with interest rate of 25.68 % which is illegal in Pennsylvania.