davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-10
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (TX)

I am a victim of XXXX breach. I wrote letters to all three credit bureaus with a copy of the XXXX breach verification. As a result, these companies XXXX XXXX. XXXX Credence Management llc, posted on XXXX credit bureaus they " verified '' my accounts. I disputed on each bureau. 
I asked for a purchase agreement with their company to show full ownership of these accounts. I have not been presented with a Purchase Agreement but these companies continue to place this purchase agreement with their companies on my credit reports. Please have them remove these collections from my credit reports. as this has been a major distraction and set back that my information has been compromised,
Consumer complaint received 2024-01-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: VYSTAR CREDIT UNION (FL)

I attempted to satisfy and close my checking account with Vystar Credit Union by initiating an ACH transfer of funds in the amount of {$55.00} directly from my checking account with XXXX XXXX. Unbeknownst to me until today, XX/XX/2024, the transfer was rejected. The account was then closed by Vystar and an amount due of {$88.00} was reported to XXXX, which negatively affected my consumer ( XXXX ) report score by XXXX points. This has caused significant problems with my ability to conduct both personal and commercial funding business.
Consumer complaint received 2023-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (DE)

I have held accounts with Ally Bank for many years without issue, until recently. Through what I believe was malware infected onto my phone, several fraudulent transactions through XXXX XXXX and XXXX took well over {$2000.00} out of my checking account. The transactions appear as though they were sent to my life partner, XXXX XXXX, but none of the transactions arrived in his account. All of the money was siphoned off to a still unknown source. XXXX XXXX refuses to delve into the transactions because they appear to have gone to someone I know, despite repeatedly telling them the money never arrived where the transactions state. So I disputed the transactions through Ally. For reasons that have yet to be fully explained to me, the Ally fraud department has locked me out of my account while they " investigate '' the matter. I have called the Ally fraud department countless times, and am told nothing can be done at all until the investigation is complete. While I appreciate them investigating the fraudulent transactions, this has completely cut me off from all of my money. My rent, student loan payment, internet bill, and phone bill are all late. I have no money to buy food or medicine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Ally has effectively ruined my life by locking me out of my account. I do not understand why a fraud investigation necessitates the account owner being completely cut all from all of his or her funds for an unspecified amount of time. I have been told it may take up to 90 days to resolve the investigation, which I find completely unreasonable. I would like to ask you reading this now, what if this happened to you? What if a crime happened to you where money was stolen right out of your bank account, and once you reported it to the bank, they completely locked your account, leaving you unable to pay any bills, buy food, or buy medicine? Would you find that acceptable?
Consumer complaint received 2024-04-29
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. (OH)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 put hard inquiries on my credit report when they told me it was just soft pulls I would like to remove from my credit report immediately
Consumer complaint received 2024-01-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (WA)

Synchrony has been calling me atleast 3-4 times a day. Going well beyond the 7 calls per week limit. They leave voice-mails every single time they call and I do not answer which over loads my inbox and prohibits important messages from other callers reaching me. The voice-mail is always a recording and it does not state who it is from or the reason for their call.
Consumer complaint received 2024-04-30
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. (TX)

I am writing to express my deep disappointment and concern regarding the lack of response to my previous dispute and what I believe to be a violation of the Fair Credit Reporting Act ( FCRA ). On [ Date of Previous Dispute ], I submitted a dispute regarding inaccuracies in my credit report. Despite the FCRA mandates for timely investigation and resolution of disputes, I have yet to receive any acknowledgment or response. 

As a consumer, I understand and value the importance of accurate credit reporting, not only for my financial well-being but also for maintaining the integrity of the credit reporting system. The FCRA establishes clear guidelines for credit reporting agencies to follow in handling consumer disputes, including the requirement to promptly investigate and correct any inaccuracies found in credit reports. 

The lack of response reflects poorly on the commitment to compliance with federal regulations and undermines my confidence in the accuracy and reliability of the information contained in my credit report. This situation has caused me undue stress and uncertainty about my financial standing, as well as potential negative consequences for future credit applications and opportunities. 

In accordance with the FCRA, I urge your agency to ensure timely investigation and resolution of disputes and to take appropriate measures to prevent similar delays in the future. Compliance with the FCRA is not only a legal obligation but also a fundamental responsibility to consumers who rely on the accuracy of credit reporting for various financial transactions and decisions. 

I appreciate your attention to this matter and expect a timely resolution in accordance with the requirements of the FCRA. 

Thank you for your cooperation and understanding.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VYSTAR CREDIT UNION (FL)

I just got my credit report on XX/XX/XXXX and noticed some Accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ).

This company also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ). At this point I believe they are doing this on purpose. According to 15 USC 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

This company must be XXXX because everything is inconsistent.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to file a report regarding inaccuracies on my credit report. According to my credit report, there is a bankruptcy filing listed that is inaccurate and should not be there. 

Description of Inaccuracy : The bankruptcy listed on my credit report is inaccurate because the United States Bankruptcy Court did not report it to the credit bureaus. I have confirmed with the court that they did not report this bankruptcy filing to the credit bureaus. 

Documentation : Enclosed are copies of supporting documents that prove the inaccuracies in the bankruptcy information on my credit report. These documents include correspondence with the United States Bankruptcy Court confirming that they did not report the bankruptcy filing to the credit bureaus.

Request for Action : I kindly request that the FTC investigate this matter and take appropriate action to remove the inaccurate bankruptcy information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), if the United States Bankruptcy Court did not report the bankruptcy filing, it should not be listed on my credit report. 

Contact Information : Please feel free to contact me at the phone number or email address provided above if you need any further information or clarification. 

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX ]
Consumer complaint received 2024-05-21
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)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check this account ( A ). It is unacceptable to list this account as information without verifying this within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the erroneous information on my credit report : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am deeply frustrated by the inaccuracies that exist in my credit report, which constitute unfair treatment towards me. I kindly ask that you take action, thoroughly investigate this matter, and make the necessary corrections without delay. If there are no updates, I will be compelled to proceed legally.
Consumer complaint received 2024-05-06
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. (NC)

I want to be explicitly clear with my request. I am not requesting VERIFICATION of debt ; but instead, I am requesting validation of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act.
Consumer complaint received 2024-01-04
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. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2024-05-06
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. (NY)

After examining my credit report, I was surprised by the multitude of inaccuracies I found. It was genuinely surprising to come across such errors. 

I urge you to thoroughly investigate the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

It's crucial that these inaccuracies are promptly rectified. Otherwise, I'm concerned that my applications for various services may be denied due to these discrepancies. I've already faced rejections from two sources.

Please don't overlook my request for assistance. I urgently need your intervention to ensure that the mentioned accounts are accurately reported as being in good standing.
Consumer complaint received 2024-05-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (AR)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX Email : XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Formal Complaint Against SYNCB/JC Penney XXXX for Unlawful Debt Collection Practices Dear Sir/Madam, I am writing to file a formal complaint regarding the debt collection and reporting practices of SYNCB/JC Penney DC, which have adversely affected my credit profile and violated several federal consumer protection laws. This complaint is lodged to seek the Consumer Financial Protection Bureaus intervention in resolving these grievances.

Violations Committed by SYNCB/JC Penney XXXX : Failure to Provide Debt Validation : SYNCB/JC Penney XXXX has placed a collection entry on my credit report without providing any validation of the debt as mandated under 12 CFR 1006.34 ( b ) ( 5 ). They have not furnished documentation that substantiates the debt they claim I owe.

Denial of Dispute Opportunity : Contrary to 12 CFR 1006.34 ( c ) ( 4 ), I was not given an opportunity to dispute the accuracy of the account information adequately before it was reported to credit reporting agencies.

Deceptive Collection Practices : I assert that SYNCB/JC Penney XXXX has engaged in misleading, deceptive, and misrepresentative means to collect this debt, which clearly infringes upon my consumer rights. 
Unauthorized Reporting : This agency has reported information to consumer reporting agencies without providing all required disclosures, a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

Actions Requested : Debt Validation : I request a comprehensive validation of this debt, including but not limited to the original creditors details, the original amount, and a breakdown of all fees or charges.

Purchase Agreement Evidence : I require a copy of the agreement between SYNCB/JC Penney DC and the original creditor that authorizes them to collect this alleged debt.

Licensing and Bonding : Proof that SYNCB/JC Penney XXXX is licensed and bonded to collect debts in my state.

Cease of Communication : I hereby revoke any consent for SYNCB/JC Penney XXXX to contact me via phone, email, or text messages. All future communications should be conducted through written correspondence to the address above. 
Attached are copies of all relevant documents pertaining to this matter for your review. I urge the CFPB to conduct a thorough investigation into these claims and anticipate a response addressing each point of contention. 

Thank you for your attention to this pressing matter. I look forward to your prompt and affirmative action to safeguard my rights and ensure compliance with applicable laws. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-02-14
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: WELLS FARGO & COMPANY (MA)

We had an auto loan through Wells Fargo. The vehicle was paid off in 2017. Im trying to trade it in towards a new vehicle and it is still showing that there is a lien on the vehicle. Ive been calling Wells Fargo for 4 days trying to get a lien release letter sent to the car dealership and they keep giving me a different answer every time I call
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am frustrated because I am being taken advantage of by this credit bureaus. I have filed a dispute of this inaccurate item that is reporting incomplete information. Incomplete information is inaccurate and thereby not supposed to be on my report.
Consumer complaint received 2024-05-05
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 (LA)

XX/XX/year> : Attempted to find out why 'Hard Inquiries ' continue to be displayed on all of my Credit reports without my permission. Results are affecting my credit scores and remaining on my credit report for 2 years etc... I have pursued help to repair my credit records, and yet companies continue to conduct Hard Inquiries without my permission. Requesting for actions to STOP.
Consumer complaint received 2024-05-17
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. (AR)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.
Consumer complaint received 2024-05-05
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account information incorrect
Company: VYSTAR CREDIT UNION (AR)

We completed a withdrawal from an ATM and then we're told that we were negative because the amount was not available. We spoke with the bank involved and informed them that this was an error on their end because the ATM would not have allowed us to complete the withdrawal if the funds were not available. At the time the bank had started maintenance on their online banking and mobile app and during the process something went wrong and the entire system was down for approximately two months so you could not check your balances or make any changes to the account. The withdrawal happened during this time and when we reached out to inform them that this was an error and that the funds were and should have been available they said that this was incorrect and that they were not willing to make any changes and if it was not paid it would be added to mine and my wife 's credit report. The account has been added to my credit report as a collection/charge off and needs to be removed because it's incorrect.
Consumer complaint received 2023-09-18
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)

Despite my repeated attempts to rectify this situation, these fraudulent accounts persist, and it has become abundantly clear that your organization is failing in its duty to protect consumers from identity theft. 
Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I can not emphasize enough the urgency of this matter. The presence of these accounts has hindered my ability to secure loans, obtain credit, and achieve my financial goals, all through no fault of my own. 
Despite all my efforts, I continue to receive no resolution, and these fraudulent accounts remain on my credit report. This situation is unacceptable, and it is clear that your organization is not taking the necessary steps to investigate and address this issue promptly.
Consumer complaint received 2023-09-18
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: Experian Information Solutions Inc. (MN)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.