davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2024-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (OH)

This debt reporting inaccurate misinformation, and validation forwhich I do not recognize it stated it's been sold charged off, and the third party isn't listed neither is the a complete history of payments or any such items date of last activity isn't being reported which makes this account INACCURATE REPORTING the date account was closed isn't being reported
Consumer complaint received 2024-07-12
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)

have multiple fraudulent, unauthorized inquires on my credit report, Transunion shows 2 unauthorized inquires 1 ) XXXX XXXX XXXX inquired XX/XX/year> XXXX ) XXXX XXXX inquired XX/XX/year> as well. XXXX Shows 1 unauthorized inquiry for XXXX XXXX inquired on XX/XX/year>
Consumer complaint received 2024-07-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (WA)

A PAYPAL CREDIT line was opened fraudulently under my name. I have contacted the company, Syncrony Bank with whom the account was opened with numerous times and apparently the charges where made with the use of an old last name and a very old address. I'm an not aware of any of these charges and should not be held responsible. These charges were made fraudulently.
Consumer complaint received 2024-07-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC. (WI)

After I spoke with a Fraud Department Rep from Ally Bank referring to my closed account. I had done everything they had asked regarding providing POA paperwork for my father so he could help me use the account and the investigation by our county investigator against my father had been concluded showing no evidence of abuse. That had also been reported directly to Ally 's Fraud department by the county investigator. XXXX, from Ally 's Fraud Dep., then informed me that the issue with my funds being withheld in isolation and the reason I hadn't been sent a cashier 's check containing {$6500.00} for the funds that had been isolated. 

Was that one check in particular, from the US Treasury Department for a tax return, they suspected was altered. So, they requested another set of photos of the check, that had been previously attempted to be mobily deposited via Ally Bank App., so they could verify it has not been altered in fact. Then I was assured that Ally would promptly send me the cashier 's check in the mail for the sum mentioned earlier. That was over a month ago and whenever I have tried to get through to their fraud department, one of my security questions has been changed to, " what was your first car? ". I had never set up that particular question so I don't know what answer they are expecting, but unless one passes through their credentials with 100 % accuracy, I just get dismissed from the call. If, I am able to pass through their security protocols, I'm usually told that I'll get a call back from a fraud department supervisor.. I've been waiting to speak to a supervisor about my account for months now after multiple attempts, because I was never able to ever use this account when it was open. I'd deposit money, and they'd lock my account for suspicious activity repeatedly when all I was doing was depositing my state and federal tax return checks. 

I just need help getting my tax return back promptly. I'm XXXX, can't work, I'm a XXXX  parent, and I still have bills to piling up. Any assistance would be greatly appreciated. I can provide emails with time stamps, a case reference number, check reference number, pictures of the front and back of the Treasury check in question, Ally 's fraud department 's direct number as well as email, and anything else you might need for evidence.
Consumer complaint received 2024-07-12
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (LA)

CFPB Complaint against Credence Resource Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX CFPB ) XXXX XXXX XXXX XXXX, OH XXXX Re : Complaint Regarding Credence Resource Management Dear CFPB, This letter serves as a formal complaint against Credence Resource Management ( Credence ) for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
Credence 's Violations : Lack of Validation : Credence has not provided written validation of the alleged debt in accordance with 12 CFR 1006.34 ( b ) ( 5 ). Despite placing a collection account on my credit report, they have failed to furnish the necessary details.

Deceptive and Misrepresentative Practices : Credence 's collection attempts appear to be based on false or misleading information. This is a violation of the FDCPA 's prohibition on using deceptive means to collect debts. 
Denial of Dispute Opportunity : I have not been given a fair opportunity to dispute the debt as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

Unauthorized Furnishing of Information : Credence may have furnished inaccurate information to credit reporting agencies without providing the necessary disclosures mandated by 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ).

Potential Licensing Issue : I have reason to believe Credence is not licensed to collect debts in my state, Louisiana ( XXXX XXXX XXXX XXXX XXXX XXXX 
My Requests : Cease Communication : I revoke Credence 's right to communicate with me through email, text messages, or phone calls. All future communication must be sent through postal mail.

Debt Validation : I demand written validation of the alleged debt, including the original creditor, amount owed, and a breakdown of charges.

Purchase Agreement : I request a copy of the purchase agreement between Credence and the original creditor.

Licensing and Bonding Proof : I require proof that Credence is both licensed and bonded to collect debts in Louisiana.

I request the CFPB to investigate these violations and take appropriate enforcement action against Credence Resource Management. 
Thank you for your time and attention to this matter. 
Sincerely, Your Signature XXXX XXXX
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MS)

After reviewing my credit report, I discovered multiple fraudulent and inaccurate items, likely resulting from a recent data breach and unauthorized activity. The incorrect information includes unauthorized inquiries, incorrect personal details, and false accounts. These inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ), including:15 U.S.C. 1681b ( furnishing reports only under specific circumstances ) 15 U.S.C. 1681c ( restricting certain information in reports ) 15 U.S.C. 1681s-2 ( accuracy and privacy of information ) I urgently request the CFPB 's assistance to ensure these inaccuracies are corrected and my credit report is accurately updated.
Consumer complaint received 2024-07-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: PENTAGON FEDERAL CREDIT UNION (CO)

In XX/XX/year> I paid {$4400.00} to pay off the remaining balance of my HELOC. This was an overpayment of {$340.00} as listed on the next month 's statement, showing a negative balance of {$340.00}. To correct the overpayment, I issued myself a check from the HELOC for the credited amount owed to me. On XXXX XXXX, Pentagon Federal Credit Union issued a check to me for the same {$340.00}. As I had already resolved the issue by writing a check to myself for that amount, I did not cash their check to me. Pentagon Federal Credit Union began charging me interest on the check they mailed out as of the date of mailing, but they are charging interest on funds that were never actually distributed from their institution. I have called twice to resolve this and both times they insist that I still owe them the {$340.00} from the check that I never cashed. The check 's description says " Credit balance refund '' so there is no other reason for the issuance of the check. I have refused to pay the {$340.00} since the money was never in my account or removed from their institution and today I received a letter of delinquency stating I owe a minimum payment of {$100.00} and {$5.00} in late fees to cure the default.
Consumer complaint received 2024-07-12
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (CA)

A XXXX account was opened in XXXX for business purchases through XXXX 

Charges were made and balances were paid throughout the life of the Company. Sometime during this period, Synchrony XXXX XXXX took over the account. 

In XX/XX/XXXX, the account holder notified Synchrony the account was not a personal account. Synchrony continued to bill me personally. In XX/XX/XXXX paperwork was provided to XXXX and Synchrony indicating the corporation was dissolved. That same month XXXX canceled the account because it was a business account. 

Synchrony continues to report this as a personal account. They have damaged my credit and refused to correct the obvious error. 

The photo below shows they Call the account XXXX XXXX XXXX. In upper left hand corner
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states u have the right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCs 1666b a creditor may not treat a payment on a credit card account under and open and consumer credit plan as late for any purpose
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS) (TN)

I am trying to open a checking account at XXXX XXXX Bank. They keep declining because of XXXX Systems saying I have a security freeze. Reason code XXXX from XXXX  systems. I have removed the freeze I had with XXXX systems prior to these applications. I need XXXX Systems to stop reporting incorrect information!
Consumer complaint received 2024-07-10
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. (IN)

I am deeply concerned that your company did not conduct a thorough and proper investigation into my dispute. It is evident that there has been a failure to adequately investigate and update the status of this account. This oversight has had a detrimental impact on my ability to secure credit, which is why I am invoking my rights under the Fair Credit Reporting Act ( FCRA ).

As per the FCRA, accounts that can not be positively verified must be promptly updated. If you are unable to provide me with verifiable proof within the stipulated time frame, it is incumbent upon you to update this account. Under federal law, you are obligated to complete your re-investigation within thirty ( 30 ) days. 
Furthermore, I request that you provide a detailed description of the procedure used to determine the accuracy and completeness of the information, to be furnished within fifteen ( 15 ) days of the conclusion of your re-investigation.

I firmly demand that this account be updated without delay in compliance with the FCRA and federal law to rectify the harm it has caused to my credit profile.
Consumer complaint received 2023-08-26
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)

This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ), you may be liable for your willful non-compliance.
Consumer complaint received 2023-10-31
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. (NY)

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 information is inaccurate.
Consumer complaint received 2024-07-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: MCCUE MORTGAGE COMPANY, THE (CT)

In early XXXX of XXXX  I changed my home owners insurance to XXXX. 

XXXX XX/XX/year> I received a notice from XXXX that mccue has yet to pay my insurance bill. I then contacted mccue and asked for an explanation. 

Late XX/XX/year> mccue never answered XX/XX/year> I received an email from XXXX stating that for a second time mccue has refused to pay my insurance bill. In XXXX they will cancel my policy. 

In a clear violation of our mortgage agreement mccue is refusing to pay my insurance premium.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC (PA)

According to 15 USC 1681EB You are suppose to assure maximum possible accuracy. This account is not accurate according to the Fair Credit Reporting Act.

Delete account immediately for violating 15 USC 1681EB!
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2024-07-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX is reporting inaccurate, false information which is a clear violation of the FCRA and violates my rights which the DATE OF LAST ACTIVITY IS BEING REPORTED, just disputing an account shouldn't not re-set the date of last activity this is considered an administrative event it can only be reset by making a payment for which I've never did it's shows on my credit report as XXXX please delete immediately
Consumer complaint received 2024-04-05
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Credit Glory LLC (MI)

On XX/XX/2024, I called what I thought was XXXX collections to arrange a possible fair resolution to an issue I have. I found I was actually speaking to someone called " XXXX '' at XXXX XXXX. He sold me a credit cleaning program that day for {$270.00}, with a promise that my credit problems were easy to fix, and he could save me thousands of dollars. I was extremely clear that I needed to make a large purchase in XXXX  months and couldn't make any mistakes to block the attainment of improved credit by XXXX. Here it is XXXX months later with no improvement. It seems that my scores have gotten worse, even after payoff of a card and trying myself to clear up an unfair collection by XXXX XXXX. I have been in contact nearly daily with anyone who will answer at XXXX XXXX, mostly a supervisor called " XXXX ''. I have emails and voicemails from XXXX leading me to believe she was getting me my refund to make this problem disappear, but still is avoiding me or pacifying me with lies. I have invested {$670.00} that I would like back. Instead they keep saying I will see big progress " next round of letters '', and when I try to stop the program they just keep offering a discount XXXX after another. I have stopped the failed program and have waited patiently for " XXXX '' to follow through with my refund, but I do not believe they have any intention of refunding my money. They also refuse to send me any proof of sending anything on my behalf.
Consumer complaint received 2024-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

My card and phone was stolen and some of my personal information was compromised. someone used my card to make unauthorized transactions.. i submitted a dispute to get my bank to rectify the situation and help me and they ended up denying my claim stating that our research confirms that the transactions are valid the total amount of the dispute was for the amount of XXXX case number XXXX my bank stating that the transactions were found to be valid contradicts them issuing me a final credit for another dispute and the case number for that dispute was XXXX from transactions i didnt realize at first when my card was stolen over all there was XXXX dispute.. the bank that XXXX making this complaint about is FIFTH THIRD BANK they told me originally that the dispute that has the case number XXXX was denied because i missed a couple transactions and i would have to dispute them before they can re open the dispute i carefully went over my bank statements and did XXXX upon me doing so i submitted a additional dispute and they opened the first XXXX back up.. just for the first XXXX to be denied and the second to be approved and the credit issued on the second one to be final.. this whole situation has been extremely draining.. banks are supposed to protect their customer but instead i feel like Ive been violated all over