davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-26
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: Experian Information Solutions Inc. (OK)

This debt is a medical debt where the original debt collector was suppose to bill final billing after insurance paid to my XXXX  american XXXX tribe, i have disputed this several times with experian, XXXX XXXX  and none of the agencies has removed this derrogatory info from my credit files and due to the fair credit reporting act it meets the credentials for removal of the derogatory info due to being a medical debt due to XXXX XXXX Tbe status of the debt has not been updated in 6 years however the amount owed has been updated XX/XX/2024. This is incorrect and derogatory
Consumer complaint received 2023-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Ok, so I was with bank of America for XXXX years and they were ok for a while then last year/ XXXX was when they started to randomly raise my monthly payments to exorbitant amounts. I tried talking to them about it and they said " there was nothing we can do. '' So I took out a large loan and finally paid off my credit card. Then recently they said after months after I closed my accounts with them I got a random late fee and tried talking with them about it. They forced me to pay it. So I need help please.
Consumer complaint received 2023-12-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (WA)

Unauthorized transaction on PayPal that was linked directly to my bank account. I have no idea who the person is that the money was sent to and I'm also scared my information may have been leaked. 

I've looked this person up and some scary documentation comes up. 

XX/XX/2023 approx {$42.00} was sent to an unknown user and taken directly from my bank account. PayPal denied that it was unauthorized.
Consumer complaint received 2024-01-02
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. (FL)

This complaint, is to rerquest the negative items of my credit report and found the following item ( s ) to be in error XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX  XXXX Account Number : XXXX
Consumer complaint received 2023-08-30
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. (SC)

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.

has violated my rights. Or list of inquiries 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 2024-01-02
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. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

According to the FCRA. 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 have responsible cause to believe that the information is inaccurate. I have filed several complaints with the CFPB also with the federal trade commission about this violation of my rights. This credit reporting agency has failed to do a investigation according to the guidelines of the FCRA. The accounts listed below are the accounts in question. 
XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX I have filed serveral disputes with these companies and they still continue to VIOLATE my rights.
Consumer complaint received 2023-08-30
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)

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.

has violated my rights. Or list of inquiries 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 2024-01-02
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. (GA)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2024-05-13
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: TRANSWORLD SYSTEMS INC (TX)

In XXXX, I noticed several fraudulent inaccuracies on my account. I then filed an identity theft report and sent all the supporting information to the company. The inaccurate, fraudulent information is hurting my ability to obtain new credit and affecting my ability to retain current credit lines. My credit score has decreased significantly. It is my understanding that you must investigate the items to ensure accurate and proper reporting. I request another investigation and the immediate removal of the fraudulent Transworld Systems account listed under my social security number. The company could not have possibly conducted a proper investigation. I am requesting a real and THOROUGH investigation! Begin with the NAME PROVIDED! It is NOT my name! Someone clearly impersonated me and did a XXXX poor job at that. They didn't even get the name right. They just stole my social security number! Secondly, the " proof '' that was provided not only DID NOT HAVE MY NAME, the alleged documents were not even completely filled out! I am demanding an IMMEDIATE deletion!
Consumer complaint received 2024-01-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (FL)

I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. It is distressing to know that you have included incomplete and erroneous details in my credit report, and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports that you publish. The credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. However, it appears that you have failed to adhere to these laws, and have continued to report inaccurate information. I demand that you immediately investigate the following information, and provide me with proof of the alleged item, specifically the contract, note, or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX - XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXXXXXX. The listed items are completely inaccurate and incomplete, and are a very serious error in reporting. It is unacceptable that you have continued to report such misleading information, despite being informed of these errors by other credit bureaus.
Consumer complaint received 2024-05-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP (IN)

US bank called and said they had overpaid me in XXXX in the amount of {$500.00} and now in the middle of XXXX want it returned. 
I told them that if what they said is true then they made the mistake XXXX years ago and to write it off. 
I got a letter from XXXX XXXX XXXX saying US bank handed the collections over to them. 
I told them I dont owe anything and if they touch my credit I will sue them. 

Please help Thank you.
Consumer complaint received 2024-05-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica (MA)

On XX/XX/XXXX, XXXX debited my Direct Express account for my son 's XXXX money without my authorization. Further added to the complaint was that at the time of the debits, the card was in a locked status. I called Direct Express immediately and reported these transactions as unauthorized. Direct Express then blocked the card and charged {$4.00} for a replacement card to be sent. 
Direct Express said that I would receive paperwork and temporary credits for the unauthorized transactions. I was provided with a reference number and an email address. Almost 2 weeks later, I had not received any paperwork from Direct Express so on XXXX I wrote them an email expressing my concerns and further expressing that these transactions were unauthorized. On XXXX, I also contacted them via telephone and was told that they had received the email and it was lucky because the deadline for the paperwork was XX/XX/XXXX. I was told that I would have to wait up to 45 days for any temporary credit and up to 90 days for any solution. 
On XX/XX/XXXX, Direct Express reversed the disputed transactions, which helped me a lot as this is for my severely XXXX child and provides life substaining equipment and nutrition. 
Upon checking on XX/XX/XXXX, Direct Express had redebited the money, rendering me overdrawn with them. I have been on hold with them for over an hour to attempt to get answers. 
Direct Express failed to protect government funds initially by allowing these transactions to go through when the card was locked. They then failed to provide the necessary paperwork and seem to have concluded an investigation without any evidence.
Consumer complaint received 2024-05-13
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: MARINER FINANCE, LLC (TX)

I Brought my loan current and was told that a defferment will be for the month of XX/XX/2024 payment and was reported late on my credit reports with all credit bureaus! 

I paid Mariner {$940.00} on XX/XX/XXXX, {$190.00}. On XX/XX/2024 I paid {$750.00} dollars and agreed to a defferal payment agreement for the mont of XX/XX/2024 that will bring my loan as current! Nevertheless they refuse to honor a signed agreement for the defferal in whiched I was chaged {$14.00} on XX/XX/2024. 

I filed a complaint with Mariner Customer Support Office on XX/XX/2024 in XXXX, Maryland and was advised that someone will contat me. On XXXX, 2024 XXXX XXXX XXXX, I spoke with the branch manager - XXXX who refused to honor the signed agreement and also refuse to remove the lateness for XX/XX/2024 off my credit reports moving forward since I'm Currently being reported as current with all reporting credit agencies!!!
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (FL)

To May whom concern it : My niece and I went to Lowes to buy some appliances and we agreed to buy by paying 50 % each my niece had to apply for credit but I already have credit for the person who attended his language we do not what it is because she did not understand in English or XXXX because I explained that my niece apply for credit but I'm paying with my card and anyway this person submitted the credit application for both I'm trying to fix my credit and this situation affect my score please help me, Thanks
Consumer complaint received 2024-01-02
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. (MD)

I checked my credit report and noticed I have fraudulent unauthorized inquiries on my credit. I have tried multiple times to get a few of the inquiries removed to no avail. I have attached my FTC Identity Theft report and dispute letter to this complaint.
Consumer complaint received 2023-03-31
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: Auto Advantage Finance, LLC (OK)

Auto Advantage Finance Group was notified by me in XXXX of XXXX that my auto loan had not been reported to the credit bureau. I talked to several people and the issue was not resolved, I was told and it says on their website that they would report my payments to the credit burea. On XX/XX/XXXX I emailed them concerning the same problem. I got an email right away stating that they had sent an update to the Credit Bureau on XX/XX/XXXX. I waited a few weeks and asked again if the problem had been solved due to the fact that it was not showing on my credit report. They emailed back and said that it would be the end of XXXX beginning of XXXX before it showed anything. Then they stated they could not do anything to help me, so I would have to do to it myself. I made phone calls and was told they had to report it, so I had no choice but to report them. I have been paying on this vehicle since XXXX of XXXX and have nothing to show for it.
Consumer complaint received 2024-05-13
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: SYNCHRONY FINANCIAL (IL)

Dear Sir/Madam, I am writing to file a formal complaint regarding SYNCB 's misleading promotion of their prequalification process, which falsely assures customers that it involves a soft pull and will not affect their credit. Despite these assurances, SYNCB recently conducted a hard inquiry on my XXXX credit file when I applied using their prequalification process. 

SYNCB has been promoting its prequalification process to customers, encouraging them to apply with the assurance that it involves only a soft pull and will not impact their credit. However, contrary to these assurances, SYNCB recently checked my XXXX credit file for an installment loan or new bank account, resulting in a hard inquiry being placed on my credit file. 

This misleading promotion of the prequalification process has caused significant harm by falsely leading customers to believe that their credit would not be affected when applying. As a result, many customers, including myself, have been misled into consenting to a credit check that negatively impacts their credit score and credit report. 

I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to address the following concerns : 1. **Misleading Promotion : ** SYNCB 's promotion of its prequalification process falsely assures customers that it involves only a soft pull and will not affect their credit, leading to customer deception and confusion. 

2. **Unauthorized Hard Inquiry : ** Despite assurances of a soft pull, SYNCB conducted a hard inquiry on my XXXX credit file without my explicit consent or knowledge when I applied using their prequalification process. 

XXXX. **Consumer Harm : ** The misleading promotion of the prequalification process has caused harm to consumers by falsely leading them to believe that their credit would not be affected when applying, resulting in negative impacts on credit scores and credit reports. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure compliance with consumer protection regulations. Specifically, I request the following : - Verification of SYNCB 's promotion of the prequalification process and confirmation of the misleading assurances regarding soft pulls and credit impacts. 
- Enforcement of regulations to prevent deceptive advertising practices and protect consumers from unauthorized credit inquiries. 

Please find below the details of the promotion : Source : XXXX XXXX : SYNCB Address : XXXX XXXX XXXX, XXXX, OH XXXX Phone : ( XXXX ) XXXX I appreciate your attention to this matter and look forward to a prompt resolution. Please inform me of any updates or actions taken regarding this complaint. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-01
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. (NY)

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 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 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-02
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. (MD)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history. Please rectify this error promptly and ensure that my account reflects the fact that I have always been punctual with my payments.
Consumer complaint received 2024-01-02
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. (FL)

A XXXX  ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-10-05
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (IN)

Navient is contacting family members who are not in my household with unlisted, unreported numbers in disregard of the FDCPA authorization of third-party allowances. They identify themselves as being from Navient and are attempting to reach me. XXXX XXXX at XXXX is claiming 2 family members as contact references that I know are not included on my contact list.
Consumer complaint received 2024-01-02
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: EQUIFAX, INC. (IL)

My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX