davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-13
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)

XXXX XXXX XXXX Account Number - XXXX I hereby dispute the validity of the alleged debt listed below Entirely. I also request verification of the alleged debt, Specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about this same alleged debt. I am requesting immediate deletion of all prior reporting made any reporting agencies, XXXX, Equifax, XXXX and XXXX. You must Cease Collection efforts until this alleged debt is validated. you must proof that you legally own this alleged debt and that it is accurate and complete. Thank you for your understanding
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to formally dispute several errors, discrepancies, and unrecognizable accounts that are appearing on my credit report. I have carefully reviewed the information provided by your agency and have identified the following inaccuracies attached on my letters.
Consumer complaint received 2024-05-01
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (VA)

I am writing to file a formal complaint against Synchrony Bank regarding the unjust closure of my Amazon store card account, ending in XXXX. On XX/XX/XXXX, I contacted Synchrony Bank 's customer service to request an increase in my credit limit. However, the interaction with the agent assigned to me was highly unsatisfactory and unprofessional. 

During the call, the Synchrony Bank representative exhibited rude and unpleasant behavior towards me. Their tone was disrespectful, and instead of addressing my request for a credit limit increase, I was compelled to request to speak with their supervisor due to the agent 's unprofessional conduct. I expressed my concerns that such behavior could lead to the closure of my account. 

Regrettably, before I could speak to a supervisor or resolve the matter, the call abruptly ended. Subsequently, when I attempted to reconnect with another agent, I was shocked to discover that my Amazon store card account had been closed without my consent or authorization. 

Since then, I have been tirelessly attempting to rectify this issue with Synchrony Bank. However, their response has been inadequate and frustrating. Despite my repeated requests for an investigation into the closure of my account and a reinstatement of the same, Synchrony Bank has continuously failed to address my concerns satisfactorily. 

Furthermore, instead of acknowledging their mistake and taking appropriate action, Synchrony Bank representatives have repeatedly informed me that I must reapply for a new account. This is utterly unacceptable and unjust. It is evident that Synchrony Bank 's staff failed to adhere to proper procedures and protocols, leading to the wrongful closure of my account. 

I feel extremely victimized by Synchrony Bank 's actions, and their refusal to acknowledge their error is causing undue distress and inconvenience. I implore the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure that justice is served. 

I am fully committed to cooperating with any investigation and providing any necessary information to resolve this issue promptly. 

Thank you for your attention to this matter. I eagerly await your prompt response and action.
Consumer complaint received 2024-05-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION (TX)

This is to PUT IT ON RECORD that I ACCEPT NAVY FEDERAL CREDIT UNIONS offer. Please pay out all my interest aka credits to me on this account. 
Pursuant 39 USC 3001 ( d ) ( A ) under NON-MAILABLE MATTERS. 

A ) the following notice : This is a solicitation for the order of goods or services, or both, and not a bill, invoice, or statement of account due. You are under no obligation to make any payments on account of this offer unless you accept this offer. 


Account number ending in XXXX Also please reframe from treating my open ended credit plan as late and charging LATE PAYMENT FEES TO MY ACCOUNT. Return all my tender XXXX XXXX Illegally Solicited through the mails and through threatening phone calls. As well as removing all deficiencies from my credit report via late payments and utilization.
Consumer complaint received 2024-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Indie Technology DBA Found (PA)

I filed a dispute exactly how I was instructed to and followed normal procedure for ATM funds not being dispensed. Per Reg E 10 business days after my dispute was received I was to get a provisional credit. 10 business days later they refuse to give me my provisional credit and refuse to move on with my claim until I contact the ATM owner and provide written documentation from them. They.wont return my call. So now I have to do their work too? Now my bank won't respond to me and dismisses my attempts to discuss my claim and give me my money.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (TX)

I am writing to urgently dispute the validity of the collection accounts listed on my credit report under the account numbers XXXX and XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692c ( c ), I am formally requesting that all communication regarding these debts cease immediately. 

On XX/XX/2023, I sent a written notice to Navy Federal CR UN informing them that I refuse to pay the alleged debts and requested that they cease all further communication with me regarding these matters. Enclosed with this letter is a copy of the letters I sent for your reference.

According to 15 USC 1692c ( c ), once a consumer notifies a debt collector in writing that they refuse to pay a debt or wish to cease further communication, the debt collector is legally required to cease all communication regarding the debts. Failure to comply with this request can result in legal action. 
Therefore, I demand that you promptly investigate these matters and take the necessary steps to remove the collection accounts from my credit report. Additionally, I request that you confirm in writing that all communication regarding these debts has ceased.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (IL)

I did not give any permissible purpose for anyone to run my credit. I am wanting those inquiries to be delete it immediately. Inquiry name : NAVY FCU Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-30
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (NY)

The Raymour and Flanigan Card by TD Bank has an issue with the recurring payments systems per TD Banks own admission. I had set up recurring payments on each due date of the month, and the recurring payment is showing as on and valid, when TD Bank cancelled the payment for a reason TD Bank can not explain to me. To date, the recurring payment option is enabled and showing as being made each month on the due date, however TD Bank says it is a mistake and I must login and make manual payments. The fraudulent and deceptive nature of the recurring payment being active when it is not caused me to miss my first payment in 7 years on any credit account, causing significant harm to my credit score. This deceptive and misleading situation should not be going on.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2024-08-21
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

Loan # XXXX Property Address : XXXX XXXX XXXX XXXX XXXX, Florida. I received {$110.00} monthly, which changed in XX/XX/XXXX, to {$88.00}. On XX/XX/XXXX the plan was still " XXXX '', but in XX/XX/XXXX it was changed to " XXXX XXXX ''. I never requested this change. In addition, I received a " Payment Plan Change Denial Letter '' from XXXX dated XX/XX/XXXX. Which stated that they were '' unable to process your request for a XXXX XXXX XXXX '' They didn't deny anything I changed my mind and notified them. This action by them XXXX have affected my credit rating increasing interest costs. This matter I will investigate further. They should restore the funds they did not pay me. In addition they they should restore my " XXXX XXXX '' standing.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VI)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-04-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/2024, I attempted to submit a claim on an unauthorized transaction in the amount of {$310.00} was placed on my checking account. It was incorrectly filed, as XXXX transaction was for some reason wrapped into the claim when it shouldnt have been. The claim eventually came in the mail as a letter stating that it had been declined. Upon reading the letter, the incorrect $ XXXXsomethung amount was shown, and for the wrong reason. I dont know what miscommunication lead to this being the case but its simply ridiculous that it was made my a professional Wells Fargo claims representative. 

After continued communication, it is currently XX/XX/2024, and they have continued to provide no answers as to why this was done, have told me, the account holder, to reach out to the unauthorized merchant, and ask for assistance since they cant do anything now that they submitted a false claim. They have made me wait for XXXX minutes for a senior claims representative only to literally hang up on me within seconds. MULTIPLE TIMES. It is beyond unprofessional and I am tired of their antics. 

They have been unable to provide true answers every single time when questioning them about what lead to this error as it was explicitly clear in the initial phone call I made what transaction I was referring to. I did not appreciate being talked down to as if XXXX a XXXX human, in their calls they treated me as XXXX and XXXX honestly offended.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

I am disputing the charge-off reported on my account XXXX XXXX XXXX XXXX because it violates the FCRA regulations. Specifically : - 15 U.S.C. 1681c ( a ) ( XXXX ) prohibits credit reports from containing " records of income, or information relating to the consumer 's financial obligations, including credit scores, credit reports, or other information derived from credit reports '' - 15 U.S.C. 1681c ( a ) ( 3 ) prohibits credit reporting agencies from including " information relating to the consumer 's financial obligations, including credit scores, credit reports, or other information derived from credit reports '' if the information is " not directly related to the consumer 's creditworthiness ''. - 15 U.S.C. 1681a ( f ) defines " creditworthiness '' as " the ability and willingness of a consumer to pay obligations in accordance with their terms '' which does not include income information like charge-offs.-C.F.R. 1022.43 ( a ) prohibits credit reporting agencies from including " information that is not directly related to the consumer 's creditworthiness, including... income information ''. - 15 U.S.C.1681e ( b ) requires credit reporting agencies to " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ''. - 15 U.S.C. 1681 ( a ) ( 1 yA ) states that credit reporting agencies must " delete the item of information, or modify the item to make it accurate '' if it's found to be incomplete or inaccurate.-C.F.R. 1022.42 ( a ) ( XXXX ) requires credit reporting agencies to " verify the completeness and accuracy of information '' in consumer credit reports. - C.F.R. 1022.41 ( a ) states that credit reporting agencies must " have in place reasonable procedures for responding to disputes from consumers ''. The charge-off reported on my account is inaccurate and violates these FCRA regulations XXXX I request that you : - Delete the charge-off from my credit report immediately - Confirm in writing that the charge-off has been deleted- Provide a corrected credit report that reflects the deletion Please investigate this matter and take the necessary steps to correct my credit report. If I do not receive a response within 30 days, I will be forced to take further action to protect my rights under the FCRA. This has cause me financial, and emotional Loss! I have been up all night every day stressing about this! Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-04-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (FL)

XXXX states this account was open XX/XX/XXXX? I never had an accoount with XXXX XXXXhey stated on the phone that it was a syncb XXXX however, the account they bought was a XXXX XXXX account. This was an original syncb walmart credit card opened in XX/XX/XXXX closed XX/XX/XXXX when it was sold to XXXX XXXXXXXX. if you notice on origianal report it shows paid on time for XXXX and XXXX it does not show a balance or anything else. was up to date on payment shows XXXX balance when I called syncb on XX/XX/XXXX the recording said XXXX balance. then I called XXXX XXXXXXXX it said XXXX balance. I called XXXX then the next time I talked to XXXX XXXX they said I needed to contact XXXX  which I did again. On the origianal crdit balance was XXXX and it was with Syncb XXXX I can not find out anything from XXXX XXXX. I requested from XXXX the orginal contract and statements of payments and explained to them it shows XXXX balance. they could not give me any info. I can not get any info from anyone. XXXX states its a Syncb XXXX which is XXXX XXXX why would synchb sent it to them if It was paid on time? They are wrong it should have never went to them. It was paid in full per syncb XXXX.
Consumer complaint received 2024-04-29
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. (TX)

My social security and information was part of identity breach with all three credit reporting agency a few years ago. I have been disputing, names, addresses and negative credit that does not belong to me with the creditors and more so with the credit agencies. The credit agency have not verified anything nor sent any proof of verification. I have bot been able to get many items removed and at least XXXX items are already XXXX years old and false. I want to know if i can still file my claim
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I opened my credit report and I noticed it was an account from XXXX XXXX in the amount of XXXX reported on XX/XX/2024. I am highly upset this is not my account and violation of my rights and fcra laws. 

Please remove this from my credit file or show my a contract bearing my original signature showing that I opened this account. 

Sincerely XXXX XXXX
Consumer complaint received 2024-04-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC (NY)

I received an email from a collections agency called Aldous & Associates that there was a debt outstanding of {$130.00} from a debt I owed from XXXX XXXX. On XX/XX/2023 there was a collection item listed by Aldous & Associates from XXXX XXXX as the original creditor. I never gave XXXX XXXX my social security number or my date of birth. I am perplexed on how the collection agency obtained my personal information to report a collection item on my credit report. My claim is that the Aldus & Associates illegally obtained my personal information through identity theft to report an item on my credit report.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I just checked and reviewed again my Equifax, XXXX and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-08-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CrossCheck, Inc. (TX)

Direct disbute. 

Bullying and threatening legal pursuit, with no prior communication, attempts, or even proof of the debt and proof they have the right to the debt. They lied on a recorded line saying they were NOT debt collector, then sent me an email with the debt amount saying they are a debt collector. Its fraudulent, harassment, threatening, and violating FDCPA.
Consumer complaint received 2023-06-22
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. (MD)

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 XXXX XXXX is and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I am filing a formal dispute regarding a collection account reported by XXXX XXXX XXXX on my credit report. This account, listed under the reference number and amount of {$1000.00}, was reported on XX/XX/year>. I dispute this account on the grounds that I have no contractual agreement with XXXX XXXX XXXX, nor has there been any verification of the debt or assignment transfer contract provided that would legally authorize them to collect on this debt. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the right to request validation of this debt. Despite this right, no validation has been provided, and XXXX XXXX XXXX has failed to produce any documentation establishing their legal authority to collect on this alleged debt. Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, it is unlawful to report inaccurate or unverified information on my credit report. The absence of a signed contract, valid assignment, or verification of this debt confirms that this collection account is both inaccurate and unverifiable. I am also filing this complaint against Equifax for reporting this inaccurate and unverified collection account on my credit report. Equifax has a legal obligation under the FCRA to ensure the accuracy of the information they report. By continuing to report this erroneous account without proper verification, Equifax is in violation of the FCRA. I am requesting the immediate deletion of this account from my credit report by both XXXX XXXX XXXX and Equifax. I urge the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter and take appropriate action to ensure compliance with federal laws. I expect this issue to be resolved promptly and request confirmation that this account has been removed from my credit report.