davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-20
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX, XXXX **Consumer Financial Protection Bureau** XXXX XXXX XXXX XXXX XXXX IA XXXX **Subject : Dispute of Incorrect Late Payment Information on Credit Reports** Dear Consumer Financial Protection Bureau, I am writing to formally dispute the inaccurate information reported by XXXX and Experian on an XXXX/XXXX  account ( Account # XXXX XXXX ) that does not belong to me. 

Below are the specific details of the account as reported by each bureau : - *XXXX* - Account Type : Revolving - Account Status : Derogatory - Monthly Payment : {$0.00} - Date Opened : XX/XX/XXXX - Balance : {$0.00} - High Credit : {$770.00} - Credit Limit : {$500.00} - Past Due : {$0.00} - Payment Status : Collection/Chargeoff - Last Reported : XX/XX/XXXX - Comments : Charged off as bad debt ; Purchased by another lender ; Unpaid balance reported as a loss by the credit grantor ; Sold to : XXXX XXXX XXXX. 
- Date Last Active : XX/XX/XXXX - Date of Last Payment : XX/XX/XXXX - **Experian** - Account Type : Revolving - Account Status : Derogatory - Monthly Payment : {$0.00} - Date Opened : XX/XX/XXXX - Balance : {$0.00} - High Credit : {$0.00} - Credit Limit : {$500.00} - Past Due : {$0.00} - Payment Status : Collection/Chargeoff - Last Reported : XX/XX/XXXX - Comments : Purchased by another lender ; Unpaid balance reported as a loss by the credit grantor. 
- Date Last Active : XX/XX/XXXX - Date of Last Payment : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate information reported in my credit file. Section 611 of the FCRA ( 15 U.S.C. 1681i ) requires credit reporting agencies to correct or delete inaccurate, incomplete, or unverifiable information within 30 days of the dispute being filed. 

I have never opened or authorized this account. As such, the information reported is inaccurate and must be corrected or removed. 

I request that the CFPB investigate this matter and instruct XXXX and Experian to remove the incorrect account information from my credit reports. 

Thank you for your prompt attention to this matter. Please inform me once these corrections have been made. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2019-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (KY)

The following accounts are fraudulent : XXXX XXXX- {$510.00} XXXX- {$210.00} XXXX- {$780.00} XXXX XXXX- {$240.00} XXXX- {$210.00} XXXX FCU- {$4900.00} XXXX- {$4300.00} XXXX- {$210.00}
Consumer complaint received 2024-05-20
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. (GA)

The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. In accordance with the provisions of the XXXX XXXX ( XXXX ), specifically sections 15 U.S.C. 6801-6809, including 6805, Enforcement, XXXX has violated this act and my consumer rights by sharing Non-Public Private Information ( NPPI ) with XXXX, XXXX, and XXXX. Consumer reporting agencies are non-affiliated third parties with which XXXX has shared my NPPI. XXXX, XXXX, and XXXX have also violated my rights by reporting student loans ( NPPI ) within my consumer reports without first having written consent from me, the consumer, to obtain and furnish information within my consumer reports. This is a direct violation of the XXXX XXXX. My rights have also been violated in XXXX as I was not provided with any opt-out disclosures. As a consumer, The Privacy Act of 1974 states I, the consumer have the right to Privacy and the right to opt-out of having my NPPI shared with non-affiliated third parties.
Consumer complaint received 2024-08-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ROBINHOOD MARKETS INC. (GA)

Subject : Urgent : Unauthorized Transaction of {$4900.00} on XX/XX/2024, XX/XX/2024 XXXX XXXX XXXX. 

Dear RobinHood Customer Support, I hope this message finds you well. I am writing to formally report an unauthorized transaction of {$4900.00} from my XXXX XXXX bank account that occurred on XX/XX/2024. This transaction was not made by me, as my phone was stolen on the same day, making it impossible for me to have authorized or conducted this transaction. 

I immediately contacted RobinHood Customer Service upon discovering the fraudulent unauthorized transaction and reported the theft of my phone. Despite this, I have not received a resolution, and the amount has not been refunded to my account. 

Given the circumstances, I request that RobinHood promptly investigates this matter and processes a refund for the unauthorized transaction. Additionally, I would appreciate any updates on the status of the investigation and the steps being taken to secure my account from further fraudulent activity. 

Thank you for your immediate attention to this matter. I look forward to a swift resolution. 

Best regards,
Consumer complaint received 2019-06-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SUNTRUST BANKS, INC. (NC)

Please accept this Qualified Written Request for copies of any and all mailings sent via U.S.P.S. and or private overnight delivery provider ( s ) such as XXXX XXXX containing a delivery address of XXXX XXXX XXXX XXXX, XXXX, NC XXXX naming XXXX XXXX XXXX and XXXX XXXX, and or XXXX XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. Thank you - XXXX XXXX XXXX XXXX-XXXX-XXXX
Consumer complaint received 2024-05-20
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. (NC)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDEPT OF ED XXXX XXXX XXXX, has violated my rights. 


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 2023-12-05
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (GA)

Today, XXXX XXXX, I called Synchrony Bank about two payments I made on XXXX XXXX, XXXX  ( {$110.00} ) and XXXX XXXX, XXXX  ( {$120.00} ) in error. I asked for a payment reversal for the {$110.00} as two payments were made for the same month in error. The representative processed the request and advised that I will be receiving a check in the mail in about 2-3 weeks. My original payments were NOT submitted via checks but as ACHs. Both payments cleared my bank as ACHs. I asked the rep why it would be a check since I'm calling within the 5 banking days of the error being noticed and within XXXX guidelines. They said checks has always been their policy and no such regulation exists and the return can not be handled via ACH. The rep even reached out to their Recon specialist and this information was relayed back to me- there is no such policy/regulation and the payment can not be returned via ACH. The check is the only option. 

This is incorrect information about XXXX and it appears Synchrony Bank has been informing their consumers incorrect information when it comes to this type of error. 

According to several bank sites, articles and XXXX  reversals must occur within 5 business days of the transaction.
Consumer complaint received 2019-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

today i saw on my credit report inquiries that i did not make. This was done due to identity theft. XXXX, XXXX XXXX, 2 XXXX Inquieries.
Consumer complaint received 2019-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

The following accounts are fraudulent : XXXX XXXX- {$510.00} XXXX/XXXX- {$210.00} XXXX- {$780.00} XXXX  XXXX- {$240.00} XXXX- {$210.00} XXXX XXXX- {$4900.00} XXXX- {$4300.00} XXXX- {$210.00}
Consumer complaint received 2024-05-20
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. (FL)

I am writing to dispute inaccurate information in my credit report and to address violations of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I have reviewed my Experian credit report dated XX/XX/year>, and found the following item ( s ) to be incomplete and inaccurate : Item ( s ) in Dispute : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX These accounts have violated my rights under the Fair Credit Reporting Act ( FCRA ) in the following ways : Violation of 15 USC 1681e ( b ) : According to this section, 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. The inaccuracies and incomplete information present in my report indicate a failure to adhere to this requirement.

Violation of 15 USC 1681i ( a ) ( 5 ) : This section mandates that if any information disputed by a consumer is found to be inaccurate, incomplete, or unverifiable after a reinvestigation, the consumer reporting agency shall promptly delete or modify that item and notify the furnisher of the change. The information in my report remains uncorrected despite being inaccurate and incomplete.

Violation of 15 USC 1681s-2 : This section prohibits any person from furnishing information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. The continued presence of these disputed accounts on my credit report demonstrates non-compliance with this provision.
Consumer complaint received 2019-06-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ARS National Services, Inc. (MI)

I received a letter with my maiden name on it as a new account. Saying I owe {$820.00} when I called them to inquire and explain that I have not used that last name in 25 years. I had the letter and I read to them the account identification information on the letter. Despite providing the info on the letter they tried to gather my SS # and my date of birth. I then advised that as a debt collector you added what must be given to get information on this account yet you are asking for information you don't have to collect a debt. I then repeated the fact that the name is wrong clearly a fraud issue they refused to provide the steps to get this resolved and said they were not a debt collector rather a call center. I advised you are now concealing/ impersonating who you really are. they then hung up on me. Still have the issue and don't know what I should do now.
Consumer complaint received 2024-05-20
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. (GA)

Recently, I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars and interest every month. It is my understanding that you will investigate these items for me to ensure accuracy. Here are the items I am Im asking you to verify as accurate : Account name : XXXX  Account number : XXXX Account balance : {$56000.00} DATE OPEN:XXXX Account term : XXXX
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing this letter to urgently bring attention to the fraudulent personal information linked to my identity. I noticed certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. Regrettably, I have become a victim of identity theft and have taken immediate action by reporting the incident.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

In XX/XX/XXXX, I closed my XXXX Account, after paying what I believed was my last bill. There was another bill that was issued by XXXX and mailed out, but I never recieved it. This was verified by the postal office and XXXX that the mail was rejected, thus confirming I had no way to receive the bill. XXXX closed my online address so I could not view the bill for that account online and had no way to access this information. 


Despite regularly doing soft checks on my credit score, and having a score of XXXX on XXXX and XXXX, I was shocked to see my FICO credit score was XXXX with a severe delinquency status due to the bill at XXXX. On XX/XX/XXXX, I got access to this new information and immediately paid off my bill. XXXX has written off and closed my outstanding bill since then, but they refuse to remove my delinquency status from the credit bureau 's despite confirming that I had no way to access my final bill. This is unethical and immoral, as I have perfect credit history with my bank, to the extent that they have tripled my original credit line. I also have perfect bill history with XXXX on multiple addresses over the course of numerous years. This issue should be resolved as I have immediately paid off my bill, and have been in good standing in every aspect of my credit beyond 1 bill that was never delivered to me.
Consumer complaint received 2024-01-07
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. (NJ)

I AM A NATURAL PERSON. I AM A LIVING HUMAN BEING ; I HAVE THE RIGHTS UNDER 15 USC 1681. XXXX IS GOVERN BY 15 USC 1681. AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES. I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVE BECAUSE ACOURDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE XXXX AND THOSE OTHER COMPANYS WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS. ACCOUNTS XXXX XXXX, WAS OPENED FRAUDULENT
Consumer complaint received 2023-04-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (MI)

I borrowed XXXX from Sallie Mae in XXXX. 

XXXX I filled for XXXX XXXX bankruptcy and listed Sallie Mae as a creditor. I made it clear that this lender was a priority due to the high XXXX interest rate. 

XXXX of XXXX I sold my home to pay all off all of my debts in full through the bankruptcy. 

XX/XX/XXXX I received a loan statement from Sallie Mae sent a statement that stated I owed them XXXX and that my XXXX payment was due on XX/XX/XXXX. 

When I asked my attorney what happened he said Sallie Mae did not file a claim, effectively taking them out of the bankruptcy and all the laws designed to protect a consumer. Their failure to file a claim removed thems from any payments from the trustees that would have reduced and ultimately repaid the loan in full. 

This is a predatory lending practice so a lender can continue to accrue interest on a loan and force the borrower to pay a much higher loan after bankruptcy. In this case nearly double the amount borrowed. 

None of this was disclosed to me by my attorney or Sallie Mae before or during the bankruptcy proceedings.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (NY)

I have the right to privacy as a federally protected consumer. I have the right to privacy as a federally protected consumer. I have the right to privacy as a federally protected consumer. ******* I do not consent to XXXX verification ******* ******* 15 US Code 6805 - enforcement ( a ) In general I ( XXXX XXXX ) HAVE THE RIGHT TO OPT OUT OF ANYTHING ON MY REPORT AT ANYTIME AND THAT GM Financial MUST COMPLY AS SOON AS POSSIBLE AFTER I SENT THEM NOTICE! 

As you can see you are sharing my information to third party sources such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 

Any information GM financial shares has to be in accordance with the U.S.

Consumer Privacy Notice. 15 USC 1681. If GM wanted to publish my information for credit purposes they MUST NOTIFY ME WHEN AN ADVERSE ACTION IS TAKEN. They never notified me in writing. 

15 U.S code 1681n- Civil liability for willful noncompliance ( a ) In general Any person who " WILLFULLY '' fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of - ( a ) any actual damages sustained by the consumer as a result of the failure or damages of not less that {$100.00} and not more that {$1000.00} or ( b ) in the case of liability of a natural person for obtaining a consumer report under the false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00} per VIOLATION PLUS ANY OTHER DAMAGES YOU HAVE SUSTAINED AS A RESULT OF THEIR FAILURE TO FOLLOW THE LAW. IF YOU HAVE TO FILE MORE THAN 1 COMPLAINT, WILFUL NONCOMPLIANCE CAN EASILY BE PROVEN AS THEY HAD A FULL UNDERSTANDING OF THE VIOLATIONS AFTER YOU COMPLAINED THE 1ST TIME. EVERY COMPANY IN THIER AGREEMENTS WITH CONSUMERS SAID THEY WOULD FOLLOW THE LAW AND AGREED TO DO SO. THEY ARE AWARE THAT THEY ARE BRAKING THE LAW. 

Please update " paid as agreed '' on all of my credit reports or pay {$1000.00} per violation and {$10000.00} for emotional pain and suffering. 






GM financial has my information on a XXXX XXXX XXXX lease.
Consumer complaint received 2024-05-20
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. (GA)

Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate these items for me to ensure accuracy. Here are the items I am asking you to verify as accurate : XXXX. XXXX Account Number : XXXX ACCOUNT BALANCE : $ XXXX  MONTHLY PAYMENT : {$2500.00} TERM : XXXX After your investigation is complete, please send me the results via mail. Thank you in advance.
Consumer complaint received 2024-05-20
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX **Consumer Financial Protection XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX **Subject : XXXX of XXXX Late Payment Information on Credit Reports** Dear Consumer Financial Protection Bureau, I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX payment information reported by XXXX and Experian on my XXXX  account ( Account # XXXX XXXX ). 

Below are the specific details of the account as reported by each bureau : - **XXXX** - Account Type : Installment - Account Status : Closed - Monthly Payment : {$0.00} - Date Opened : XX/XX/XXXX - Balance : {$0.00} - High Credit : {$5000.00} - Credit Limit : {$0.00} - Past Due : {$0.00} - Payment Status : Current - Last Reported : XX/XX/XXXX - Comments : Account closed by consumer - Date Last Active : XX/XX/XXXX - Date of Last Payment : XX/XX/XXXX - Two-Year Payment History : Indicates late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

- **Experian** - Account Type : Installment - Account Status : Paid - Monthly Payment : {$0.00} - Date Opened : XX/XX/XXXX - Balance : {$0.00} - High Credit : {$5000.00} - Credit Limit : {$0.00} - Past Due : {$0.00} - Payment Status : Current - Last Reported : XX/XX/XXXX - Comments : Credit line closed - consumer request - reported by subscriber. 
- Date Last Active : XX/XX/XXXX - Date of Last Payment : XX/XX/XXXX - XXXX Payment History : Indicates late payments in XX/XX/XXXX and XX/XX/XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate information reported in my credit file. Section XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) requires credit reporting agencies to correct or delete inaccurate, incomplete, or unverifiable information within 30 days of the dispute being filed. 

I request that the CFPB investigate this matter and instruct XXXX and Experian to remove the incorrect late payment information from my credit reports. As indicated by the " XXXX '' status and the fact that the account has been closed by consumer request with a XXXX balance, the reported late payments are erroneous. 

Please find attached copies of my credit reports from XXXX and Experian highlighting the discrepancies, along with any supporting documentation that may aid in resolving this issue. 

Thank you for your prompt attention to this matter. Please inform me once these corrections have been made. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX