davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-06
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: SYNCHRONY FINANCIAL (CA)

Synchrony/Pay pal account Account has been reaged several times- evidence attached. 
Account is inaccurate and incomplete Also a charge off receiving an IRS 1099C write off Also, in collections And account was also paid by the insurance premium in the finance charge This is corporate FRAUD.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX illegally obtained my information from XXXX XXXX my account was already paid for and closed before XXXX XXXX switched over to nelnet they should not have had my information. They have also falsified loan documents and fasfa documents.
Consumer complaint received 2024-07-05
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. (CT)

I sent again a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX Balance : {$460.00} XXXX XXXXXXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX Balance : {$22000.00}
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Crown Asset Management, LLC, Duluth, GA Branch (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AZ XXXX XXXX XXXX  **Date : XX/XX/XXXX, XXXX **Consumer Financial Protection Bureau** XXXX XXXX XXXX XXXX XXXX IA XXXX **Subject : Formal Complaint Against Upstart Loans** To Whom It May Concern : I am writing to file a formal complaint against Upstart Loans regarding their failure to remove debts included in my federal bankruptcy from my credit report. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( a ) ( 1 ), and the automatic stay provisions under Section 362 ( a ) of the United States Bankruptcy Code, debts discharged in bankruptcy should no longer be reported as active debts. Furthermore, any attempts to report or collect these debts are prohibited immediately upon filing for bankruptcy.

Despite my previous attempts to resolve this issue directly with Upstart Loans, the incorrect reporting of these debts remains on my credit report. This debt is still being reported to all three credit reporting agencies, and most notably, XXXX has continued to show the balance, late payments, and the debt to date. 

I request the CFPB 's assistance in resolving this matter promptly. Upstart Loans must comply with federal law by updating my credit report to accurately reflect the discharge of these debts in bankruptcy. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Date of Birth XXXX XXXX  XXXX XXXX of social : XXXX
Consumer complaint received 2024-07-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: ENOVA INTERNATIONAL, INC. (FL)

XX/XX/XXXX or XXXX i send money online in pangea and should be minutes to go to my wallet. bu i never get it and call pangea and told me the other party from ( pay XXXX ) XXXX they already recieved the money. I call pay XXXX and told them they need to put my money ( {$100.00} ) to my niece account. but they told me they never get it to. I call the remitance here where i send my money they told nothing they can do for me.
Consumer complaint received 2024-06-14
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: EQUIFAX, INC. (MD)

I am reaching out to express my outrage regarding the appalling inaccuracies present in my personal information within your records. Upon scrutinizing my account/profile, I am appalled to discover numerous instances of gross misrepresentation that demand urgent correction. This situation is utterly infuriating and deeply unsettling, as it suggests potential fraudulent activity tarnishing my credit profile. Given the critical imperative of maintaining accurate records for data integrity and privacy, I demand the swift and immediate removal of these egregious inaccuracies. Your prompt action in rectifying this egregious breach of trust is non-negotiable and imperative.
Consumer complaint received 2024-07-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

XX/XX/XXXX transfer XXXX, XXXX XX/XX/XXXX XXXX transfer XXXX XX/XX/XXXX & XX/XX/XXXX XXXX deposits were deposited into my account XXXX each. I did not deposit these checks, I did not endorse these checks with a signature plus these checks were deposited with an I phone to witch I have an XXXXXXXX XXXX 

XX/XX/XXXX / XXXX transfers from XXXX XXXXXXXX for XXXX XXXX and XXXX for XXXX I did not make these transfers XX/XX/XXXX / XXXX XXXX transfers I have never had the XXXX XXXX XXXX XXXX XXXX XXXX transfers to XXXX XXXX XXXX, XXXX, XXXX and XXXX to XXXX XXXX XX/XX/XXXX / XXXX XXXX transfer to XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX transfer to XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX transfer to XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  transfer to XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX transfer to XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX transfer to XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX transfer to XXXX XXXX XXXX XX/XX/XXXX XXXX transfer to XXXX XXXX
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Equifax, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX under the account number ( XXXX XXXX ), XXXX XXXX  under the account number ( XXXX XXXX ), XXXX XXXX  under the account number XXXX XXXX ), I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All if the aforementioned accounts are a result of identity theft and fraud. I have attached a copy of a FTC Identity Theft Criminal Complaint Case XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts are a result of identity theft and fraud. 

MY REQUEST TO BLOCK IS NOT BEING MADE IN ERROR ; NOR IS MY REQUEST TO BLOCK BEING MADE ON THE BASIS OF MATERIAL REPRESENTATION OF FACT BY ME RELEVANT TO THE REQUEST TO BLOCK THE IDENTIFIED TRANSACTIONS. I HAVE NOT knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of one or more of the transactions that you are seeking to block.
Consumer complaint received 2024-07-09
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NV)

I paid my balance in full every month to avoid the interest. I made the final payment, expecting everything to be paid in full. However, instead of taking the final payment from my bank account, the credit card company applied a credit to my balance instead. I contacted Commenity Bank to inform them of the mistake. They told me to make another payment, which I did, and the representative informed me that everything has been corrected and that my balance was paid in full. However, I just recently got informed by them again that I have a balance due to my previous balance being paid late. I explained to a few representatives over the phone of what happened, and that the late payment was due to negligence and mishaps on their end. However, they refused to listen and are now demanding me to pay a balance on the account that was not incurred by me. I am filing this complaint in hope that the CFPB can intervene and help protect me as a consumer. Thank you.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

RE : TRAFFICKING BLOCK REQUEST To whom it XXXX concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX, XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX FIRST XXXX - XXXX XXXXXXXX XXXX XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY XXXX NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2023-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DE)

I have reached out to card issuers and Experian and unfortunately the dispute results have tons of details without value or proper explanation or resolution. meaning more misinformation than actual information. The questions I have are. 

1. When credit reporting is monthly ( Also Note-customers registered on credit Bureau sites get daily updates ) . Why would a 0 % APR for XXXX balance have to consider the total balances. I need the current score not the future score. 

2. Credit card issuers are reporting the balances inaccurately. The unfair part is credit card companies who attract customers with rewards and cash back forget the fact that once a customer accumulates cash back over time, that amount has to be considered to get a net balance. 

3. Reporting delinquencies on $ % basis is more accurate than # of delinquencies. 

4. Who and how often is the data integrity validated? credit reporting agencies do have inconsistencies. 

5. Finally, the models must reflect most recent micro and macroeconomics, inflation, GDP, price index, unemployment, climate risk. Why is there is disparity on consumers, who are the fundamental elements of driving the GDP but are treated unfairly by only considering what is profitable to big credit issuers.
Consumer complaint received 2024-07-09
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (GA)

I received a letter from Synchrony Bank telling me my account had been closed. No prior notification to tell me they were going to do this. In the letter, the reason for closure that was included reads as follows : " Activity on account ( s ) with Synchrony Bank indicative of high risk of failure to pay ''. I have had this credit card for years. Not once have I been late. I don't carry a balance on this card. Any transaction I make ( very rare ) using this card gets paid before the due date. My credit score is over XXXX. My income is over $ XXXX. There is absolutely no activity in my account that can be used to support the reason provided by Synchrony for closure. I am a US Citizen with XXXX heritage and I wonder if my heritage was part of the reason why they decided to close my account. This card is owned by Synchrony in association with Sam 's Club. I want to get to the bottom of this decision. Synchrony decision to close my account based on the written provided reason in their closed letter to me ( excellent long standing customer ) do not appear to be in line with the consumer protection regulations.
Consumer complaint received 2024-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-21
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. (TX)

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. 

Account Name XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number XXXX XXXX Account Name : XXXX XXXX : Account Number XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-17
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: ENCORE CAPITAL GROUP INC. (TX)

Dear CFPB, On XX/XX/2023 Midland Credit Management INC / acct : # XXXX FALSELY updated this account to incorrectly report Paid Collection to my XXXX Report. 

I am requesting a reinvestigation of Midland Credit Management INC / acct : # XXXX Because This account is NOW Knowingly Falsely reporting : Remarks : - PAID COLLECTION- On my XXXX REPORT ( ONLY ). 
This is COMPLETELY INACCURATE, AND FALSE because I have NEVER paid this company or this account, nor have I EVER had ANY, scheduled payment arrangements with this company, which would mean there is no way possible for this account to be a PAID COLLECTION. 

Furthermore MIDLAND CREDIT MANAGEMENT INC ACCT : # XXXX is reporting a DIFFERENT BALANCE for the same account to the other 2 CRAs : XXXX XXXX {$0.00} on ( XX/XX/2023 ) XXXX XXXX {$640.00} on ( XX/XX/2023 ) XXXX XXXX {$640.00} on ( XXXX XXXX ) If this account was accurately being reported on XX/XX/2023 to XXXX as a Paid Collection, then on XX/XX/2023 it should have been reported the same way to XXXX, and XXXX. 

This is Willful Negligence and it is a FCRA Violation for a debt collector to use any false representation or deceptive means to collect or attempt to collect any debt.

According to 1006.18 ( False, deceptive, or misleading ) this includes : ( i ) The character, amount, or legal status of any debt.
Consumer complaint received 2024-07-04
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: GOLDMAN SACHS BANK USA (NJ)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-07-17
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. (FL)

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 has violated my rights. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have made several attempts to correct the error on my credit report with account XXXX XXXX XXXX XXXX. There is still a balance and that account has been paid off. 


Attached to this application proper documentation support my claim. 

This company is violating my rights. Please adjust.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

This is my second attempt to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX XXXX XXXX Balance : {$950.00} 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, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

I sent a request to open a dispute in regards to accounts that are reporting inconsistently on my credit report. To my understanding when it comes to credit reporting. My accounts should reflect the same information across all credit bureaus. From what I see this is not the case. I sent a dispute before this one acknowledging the fact that I wanted to dispute the accounts below that I'm re-disputing because I didn't receive a response back about my last dispute. Please look into my concerns. The information reporting is not accurate as as a result I am requesting it be addressed. 

XXXX : Account number : XXXX, Please address this late payment and update its status to paid. Could you please modify the late payment to show it was paid on time? 

XXXX XXXX : Account number : XXXX, Please verify this late payment and ensure it is recorded as paid. Please ensure the late payment is updated to show it was paid on time. 

XXXX : Account number : XXXX, I request that you look into this late payment and confirm it is marked as paid. I request that you change the late payment status to reflect it was paid on time. 

XXXX : Account number : XXXX, Kindly review this late payment and correct it to show as paid. Kindly adjust the late payment to show it was paid on time. 

XXXX XXXX XXXX : Account number : XXXX, Please investigate this late payment and update it to reflect that it has been paid. Please update the late payment to reflect it was paid on time. 

As quickly as possible, the information needs to be removed from my report if you find that the information reported in incomplete, inaccurate, and unverifiable. Due to the lack of responding to my prior dispute one can assume that this falls under estoppel by silence. Since this seems to be the case I would appreciate the adherence to my request involving these accounts. There has been a grave mistake in your reporting because the material is false and deceptive. 

Please take note that you are also required to submit a summary of the process you used to assess the completeness and accuracy of the information. This description must be sent within fifteen ( 15 ) days of your re-investigation 's conclusion. I am requesting my results by mail as well with an update. 

Sincerely, XXXX XXXX