davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (NY)

Inaccuracies reported by SYNC/SAMS CLUB XXXX XXXX ) XXXX Address : XXXX XXXX XXXX XXXX, FL XXXX XXXX for {$1100.00} on XX/XX/year> and XXXX XXXX  XXXX XXXX ) XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX XXXX for {$830.00} on XX/XX/XXXX, XXXX 

to XXXX, XXXX, and XXXX credit bureaus. After I filed disputes, an investigation by XXXX was conducted, and creditors verified that debts were mine. These are not my debts. I dispute these findings, and am requesting the following : Debt validation proof, detailed list of payments on account, my signature on said account contracts, any insurance claim filed on debt, proof of chain of title to collect on debt, in Accordance with 15USC 1692 G. 

I also dispute a Hard Inquiry on my Credit Report By : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (CO)

Barclays banana Republic XXXX was supposed to put my account in forbearance and my payments until I could pay it completely off. They did not and reported me delinquent of 30 days and 60 days in XX/XX/XXXX and XX/XX/XXXX when I paid them off in full, they gave me a payoff number, including all interest charged and confirmed to me that my payment would take me to a complete zero account and then I closed it. They however, held my payment posted against their policies on the next day and charged me additional interest because they held my payment. I contacted them. They credited me for the additional interest charge. They also tried to make me delinquent again after I paid them off They also reported to my credit report after I went to a XXXX balance and closed my account, reported me over my credit Limit and reported me over my credit balance on my credit report. I requested them to fix these deficiencies. They refused. I reported this to XXXX XXXX and XXXX XXXX the 30 day delinquency when I paid it off was corrected. They fixed my account to be paid off and a XXXX balance but they however, did not fix the delinquencies of XXXX and XX/XX/XXXX. I believe this company operates maliciously and Operates in bad faith. If you look at my credit history on my credit report, I have several open accounts most of them I have paid off and I dont have any bad payment history with any of them. This is the only bank that I have ever had an issue with I would like this corrected and fixed.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I, XXXX XXXX  XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I am writing to formally dispute the late payments listed on my credit report associated with the closed account under the name " XXXX XXXX XXXX '' The account number in question is XXXX. I recently obtained a copy of my credit report, and I was dismayed to find that there are XXXX reported late payments ( 60 days past due and 90 days past due ) for the aforementioned account. 

I want to assert that I have always maintained a timely payment history, and I have never been late on any payments for the XXXX XXXX XXXX account. The inclusion of these late payments on my credit report is inaccurate and is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Ive always been in the deferred program so this information is completely inaccurate. 

According to the FCRA, Section 611 ( a ) ( 1 ) ( A ), credit reporting agencies are obligated to ensure the accuracy of the information they report. I am requesting a thorough investigation into the reporting of these late payments and urge you to correct this misinformation promptly. 

I kindly request that you investigate this matter as soon as possible and provide me with the results of your investigation. If the late payments are found to be inaccurately reported, I ask that you promptly correct my credit report to reflect the accurate and positive payment history associated with this account. 

Thank you for your attention to this matter. I expect a timely resolution, as per the legal requirements outlined in the FCRA.
Consumer complaint received 2023-05-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Management Holdings, LLC (TX)

There are three attachments. My attorney handled this dispute. The debt was paid in full. My attorney sent a cease and desist letter to the original debtor XXXX in XX/XX/2023. There has been no response. XXXX sold the paid debt to Credit Management Company ( attached ). Credit Management Company after being contacted by myself and XXXX, refuses to remove the debt from my credit file. 
XXXX has made the correction ( attached ). 
My attorney says credit collection agency 's sell accounts back and forth, for cents on a dollar. 
This situation is very clear and straight forward. It is not a he said she said. There is an legal agreement, and a tracible check negotiated by XXXX in consideration for the debt being paid in full. 
Please have this removed immediately, from my credit report. 

Thank you,
Consumer complaint received 2023-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Synovus Bank (IN)

I paid off my card balance in XX/XX/2023 and mailed in a request to close my account at the same time as they kept charging fees and not sending statements so I did not know I owed anything. They cashed the check and did not close my account. I have not received any statements asking for payment or any account information and they just reported a balance of over {$100.00} and a late payment to my credit report. This account was at {$0.00} when my check was cashed and account was to be closed. This account was supposed to help my vredit and their fees and not sending statements has significantly hurt my credit. I have not been able to contact them to close the account or even get a statement.
Consumer complaint received 2024-01-25
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: EQUIFAX, INC. (MO)

I rented a car with XXXX XXXX XXXX  2023 at RDU. When I arrived, they told me it would be an upgrade to get a gas car instead of an electric vehicle. ( Problem # XXXX ) I was forced to upgrade because we were heading to the XXXX XXXX  and did not know if there would be electric charging stations along the way. Then on XX/XX/XXXX, we drove from XXXX to the XXXX XXXX, and the car 's AC froze up about an hour and a half from our destination with an XXXX XXXX XXXX and a teenager in the car ( Problem # XXXX ). The temp was over XXXX degrees. I could n't drive the car until we got the AC fixed because it was swelteringly hot, but the company said that we would have to either get it fixed locally at an approved place or drive it back to XXXX and exchange it, XXXX hours away. So, we made an appointment and got the AC fixed ( XXXX case XXXX ). I did not think it was fair to bill me for a car that I could not drive until we got it repaired on XXXX, which also took a good portion of my day because it was a cluster to get XXXX to pay the vendor. I filed a complaint when I got back and was never contacted again, except they sent me more bills and a nasty letter stating that they were going to ding my credit. If they had called or corresponded, I we might have been able to work something out, partial pay or whatever. So, I contacted XXXX XXXX and debated the charge and they took it off my bill, agreeing that I should not have had to pay. Now, XXXX dinged my credit report but they never reached out to me or responded on the complaint I filed with them!
Consumer complaint received 2021-04-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I was scammed by one of my friends XXXX pages for covid 19 help and shes a musician. It was giving money in return for a bigger amount of money in return. I sent it through my XXXX XXXX and then they were asking for more money. I sent {$300.00} on XX/XX/21. when I told them on XXXX XXXXr it was a scam they blocked me. Come to find out it wasnt my friend but a scammer and her page had been hacked. Me and so many others fell for it.
Consumer complaint received 2024-07-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (FL)

I completed and submitted XXXX XXXX XXXX XXXX. The application was denied with a generic explanation. 
I disputed the explanation as it was without sufficient reasoning. I re-submitted additional documents to back up my request on XX/XX/XXXX. With no response as todays date I reached out to Navient customer of advocate, gave them details and was told they had no response at this time and was still looking into this. Several weeks have passed with no response. 


I am challenging the loan as the school ( XXXX ) was found to be a predatory school. The loan is thru Navient ( private loan ). 

I am contesting the loan based on 'Holder Rule ' The Federal Trade Commissions 1976 rule concerning the Preservation of Consumers Claims and Defenses ( or Holder Rule ) ensures that consumers are not held to a loan or credit obligation related to the purchase of goods or services that they did not actually receive as promised. Under the Rule, schools and colleges under the FTCs jurisdiction can not accept the proceeds of a student loan unless the loan contract contains a specific term that allows the student to raise school misconduct as a defense to repayment of the loan.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Eagle Financial Services, Inc. (OH)

Eagle Loan Company is reporting missed/late payments or not current status for months and years after the account has been paid in full. This account was closed and paid in full XXXX of XXXX, and no further late/missed or not current status should be being reported to XXXX after that date. The account was only open and paid on from XX/XX/XXXX until XX/XX/XXXX. My credit report reflects the account has been open and paid on for three years and two months so far, reflects several missed/late payments or not current status for several months in the year XXXX, and also reflects the last payment being made in XXXX of XXXX, more than 16 months after the real final payment had been made and the account balance XXXX XXXX. There should be no activity being reported on this account past XX/XX/XXXX. I have neither made payments nor missed payments on this account in the year XXXX because my balance was XXXX XXXX  in XX/XX/XXXX.
Consumer complaint received 2023-10-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

On XXXX XXXX XXXX, check was deposited into Account. We were told it would be available on XXXX XXXX XXXX  Went to branch they said it is with Federal Reserve and is being held for 120 days. No valid reason and no option to return check or funds to originator! {$5000.00} was expected in a few days but was held without option to stop payment. No way was cash and I have no money and am unable to stop payment.
Consumer complaint received 2024-04-06
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: SOFI TECHNOLOGIES, INC. (TN)

I applied for a home equity loan with Sofi and they denied me based on excessive debt post funding which is absolutely wrong I only have a mortgage and my student loans my XXXX XXXX is XXXX I make over XXXX a year and I'm not behind on any payments in fact I have disposable income over XXXX to {$7000.00} per month so it makes no sense as to why they would deny me. They tell me it's something on the XXXX credit report and XXXX says there's nothing on there so it's very frustrating because I keep getting denied by different companies and there is no reason why I should not be able to get a feel like this is discrimination and it's unfair. I need this loan so I can move forward with my home renovation projects. I've been stalled now for over two years.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent account on my credit report. 

As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent account, and following this submission, XXXX and XXXX have removed this account from their records. 

XXXXXXXX XXXX XXXX XXXXXXXX I have also directly contacted the company associated with this account, and they have confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. 

It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only violates this obligation but also exposes me to further harm.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

There are XXXX errors on my XXXX and Equifax credit reports. They are as follows XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  These XXXX accounts are not mine and have to be removed off of my XXXX and Equifax credit reports ASAP. My XXXX  report is free of all false information and shows my true consumer potential.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I was a victim of identity theft. There are inquiries on my XXXX, Equifax and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XXXX XXXX, XXXX XXXX. XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX ( XXXX ) - XX/XX/XXXX XXXX
Consumer complaint received 2024-08-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (AZ)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2024-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CO)

I have requested, now, XXXX need-to-contact letters from the fraud department. The letters are mysteriously not arriving in the mail. I can prove this using XXXX informed delivery service. The third one is apparently still in the mail system but I won't hold my breath. Citi is malicious and inept. They refuse to unfreeze my account due to a suspicious transaction ; me attempting to get money out of my account by writing a check from my old name to my new name on XX/XX/year>. I have since proven that my new name is indeed me, yet they refuse to unfreeze the account. The entire system is XXXX and citi bank is profiting off freezing {$25000.00} in a checking account that earns XXXX interest, preventing me from transferring it to my savings account which earns 4.35 % interest. Citi should be punished for how they have treated me. I have proven through activating my debit card that I received in the mail that I live at my address. I have proven I know the PIN when calling the fraud department. I have provided my account numbers, my social security number, my driver license number, verified my full name, verified my credit and debit card numbers. I have proven to Citi I have access to my phone number. I have proven to Citi I have access to the Citibank app on my phone. Citi has frozen my account and made it impossible for me to pay rent for both XXXX and XXXX. They are a malicious company.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: M&T BANK CORPORATION (NY)

Back in XX/XX/2022 I had my car broken into in front of my home. I had a check from my business to myself that was already cashed, in my car. The thief stole my check and created a fake check which he then cashed at a XXXX XXXX XXXX. I tried called my bank, M & T bank, as well as the bank that cashed the check, XXXX XXXX XXXX, and I was told 1 ) to call the other bank ( they kept sending me back and forth ), and then finally 2 ) my M & T Bank representative said that she can not do anything since there are no laws to protect business check fraud, and they can not force XXXX XXXX XXXX to give the {$2000.00} back to M & T so they can give it back to me, so I have not been able to receive my money since XX/XX/2022. I was told to call my congressman for help but never told about CFPB until I read about it in a newspaper, and now I am filing this complaint. It seems that the banks are not willing to do anything about this because its a business checking account and there are no laws to ensure they will get their money back so they don't want to give me my money back, even though the check was an obvious fake.
Consumer complaint received 2024-04-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Watercress Financial Group LLC (AR)

watercress financial group XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, ia. XXXX pulled {$5000.00} from my checking account and now i'm struggling to get by. this was un arthorized. i had been paying loan at {$400.00} a month then i paid {$5000.00} one month each transaction was done by me on portal except this {$5000.00} in question withdrawn on XXXXi contacted watercrest on same day while funds were still pending they said they would stop transaction but did not. i contacted watercress again they claim this was a reacuring payment .. iknow i did not check box for reacuring payment on a {$5000.00} payment i cant afford this,, this had not happened before on all my {$400.00} payments.. i tried to get them to return {$5000.00} they said they might in 10 days minimum.. i need my money for other bills emails phone calls were made you are welcome to all my acceses phones computers portals every thing i have and use they have never auto pulled anything b4.. now i, m struggling to pay my bills and they say maybe 10 days minimum... contacted XXXX  iowa i believe. but have heard nothing this is just not right i am just a working woman watercress was very rude i was devastated all access you can have to help me get my money asap there should be a safety procedure in place for this amount and discripiency