davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (FL)

XXXX notified Navy Federal to cease the sharing of nonpublic perusal information to third parties. In addition, to the impermissible purpose, their prvacy policy and contracts states " we may '' share your Data. I have directly expressed they " may not ''. 

Navy Federal is ignoring the opt out request that I have expressed in the Navy Federal Portal. XXXX has a right to privacy
Consumer complaint received 2023-04-12
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. (FL)

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : 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 2024-03-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (FL)

SYNCB/ Care Credit is reporting a wrong account in my credit report that i dont recognize as mine, this is a result for identity theft, and sowing that was opend on XXXX for some one ... ..I formally request that the following inaccurate items be immediately investigated. 
They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days.

I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file.

I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.

Please send me my updated report as soon as your investigation is completed.
Consumer complaint received 2023-01-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (VA)

According to 15 U.S. Code 1692g - Validation of debts I have to right to dispute this debt and within 30 days I should receive a reply I sent a letter verified mail in XX/XX/XXXX and verified that it was delivered and received on XX/XX/XXXX. I did not hear any word back or a letter responding to my dispute until XX/XX/XXXX. 

According to 15 U.S. Code 1681i If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; Was not verified in timely manner Furthermore the promissory note should include the names of the borrower and lender, the dates of both the original note and the release, total debt that has been paid, and signature of the lender. The promissory note sent does not include the lender, the release or signature of lender. 

According to 34 CFR 674.31 - Promissory note, This promissory note has violated many sections According to UCC 3-302 the holder of the original promissory note is the only person/entity that can collect on the debt and this debt has been sold. This instrument ( the promissory note ) when issued or negotiated to the holder does not bear such apparent evidence of forgery or alteration or is not otherwise so irregular or incomplete as to call into question its authenticity ; According to 15 U.S. code 1692a the creditor does not include a person who receives a transfer of debt. 

The instrument has been rendered inaccurate/incomplete. 

According to federal law you have violated my rights. I want this item deleted/ removed immediately.
Consumer complaint received 2023-01-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices.
Consumer complaint received 2023-07-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

After discussing inconsistencies in previous communications with a PayPal representative, she reopened my case and sent me an email confirmation as requested. This action was essential due to varying responses from different representatives, where one would promise to reopen the case and another would deny such commitments were ever made. I was instructed to wait XXXX to XXXX days for XXXXXXXX XXXX to respond so that PayPal could proceed with the refund. 

Despite being entitled to a refund for a transaction involving an item I never received and was canceled, I faced further delays. PayPal suggested that the responsibility was now with XXXX XXXX, despite having received confirmation that the bank had closed the case in my favor. This ongoing issue reflects PayPals unclear transparency and unjustified decisions, indicating a potential disregard for consumer rights and a focus on financial gain from larger transactions. This situation raises serious concerns about PayPal 's integrity and requires a thorough review by the Consumer Financial Protection Bureau to ensure they adhere to proper policies for processing transactions as a financial intermediary.
Consumer complaint received 2023-10-09
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. (NY)

I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to XXXX XXXX XXXX. Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that this account is corrected.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (CA)

I opened up my XXXX XXXX by XXXX XXXX in XXXX of XXXX. I maintained an exceptional payment history never missing a payment, including during the coronavirus COVID pandemic. In XX/XX/XXXX I paid down the complete balance of my XXXX XXXX by XXXX XXXX to zero balance. Subsequently, I was told by XXXX XXXX XXXX that my account was closed. It should be noted that at this time I had no lates reported to the credit bureaus as I vigorously maintained an excellent credit history. 

I was Saddened that XXXX XXXX XXXX unilaterally closed my account, but I was relieved that the balance had been paid in full. When I inquired as to why my account was closed I was told that it was their decision and I was welcome to reapply for credit. 

It is very important to note that since the card was closed I no longer received notifications, alerts or had access to login after they unilaterally closed my account. On XX/XX/XXXX I get an alert from a credit bureau saying I was past due on my XXXX XXXX by XXXX XXXX, and that my XXXX XXXX has dropped by XXXX points. This is especially disheartening because I am in the process of purchasing my first home. 

As soon as I received the information from the credit bureau, I called XXXX XXXX XXXX XXXX and was informed that despite I paid the balance to XXXX and despite the account was closed there was accrued interest of {$100.00} due XXXX XXXX. They agreed that there was no way for me to be informed about the amount due. I further questioned why interest was due when I timely paid the balance in full. 

In addition, they told me that no attempt to alert me. Instead, they just reported incorrectly to credit bureaus. They agreed this was in error but now are refusing to remove the derogatory item from my credit report. I am not at serious risk of losing my home because of XXXX XXXX XXXX XXXX XXXX and inaccurate reporting to report to credit agencies. 

I feel this is a gross abuse of the credit laws and gross negligence on the part of XXXX XXXX XXXX XXXX. I am turning to the Consumer Financial Protection Bureau to report this abuse. I pray that CFPB will be able to assist in this matter and do whatever can be done to prevent future consumers from suffering the same abuse as I have. 

It should be noted that in good faith I have worked long and hard with XXXX XXXX XXXX XXXX and feel I have been treated rudely and they have taken no accountability. I was told that XXXX XXXX XXXX XXXX would escalate this matter, but I am out of time on my new home acquisition and may need to cancel my home search due to their gross negligence and abuse. 

The company has already agreed they mad a mistake I have attached their response Thank you for your help and consideration. 

Desired Outcome/Settlement Desired Settlement : Correction to a credit report
Consumer complaint received 2023-11-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (CA)

I submitted a dispute for {$80.00} for a product that wasn't delivered over the summer. The bank decided against me, but when I asked for the evidence file, none of the evidence I had submitted to them via email ( they sent an email asking for the evidence ) was in it or considered. I asked to have the dispute appealed, resubmitted the evidence along with affidavits from witnesses, and again the dispute was decided against me. I request the evidence file and once again, NONE of the evidence I submitted was considered or even included in the file.
Consumer complaint received 2024-03-28
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (DC)

XXXX fraudulent checks were paid by TRUIST against our account in XXXX, XXXX and XXXX, XXXX, totaling {$140.00}. This is the second time this has occurred. The first time was in XXXX, XXXX. In both cases, I communicated with TRUIST and submitted Affidavits of Fraud as requested. After the first case, the bank reversed the charges to the account. For the most recent charges, the bank informed me today ( XX/XX/XXXX ) that we should have closed the account and opened a new one as the account had been compromised. They never communicated this to me after the first problems we had with these fraudulent charges. The bank denied the reversal of the charges. 

The account belongs to a non-profit that provides transitional housing in XXXX  XXXX DC. Though the amount is very small, I am following-up on this matter due to the principle at stake here. We never wrote these checks, and the bank should have taken responsibility for their being charged against our account.
Consumer complaint received 2018-10-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (ID)

I would like to file a complaint against AFNI , Inc. for violating my rights listed in Fair Debt Collection Practices Act, 15 USC 1692g. I received a letter from AFNI on XX/XX/2018 that was dated for XX/XX/2018 regarding a debt with XXXX XXXX XXXX XXXX. I sent a dispute in response to this letter ; via certified mail, on XX/XX/2018. The letter was received and signed for on XX/XX/2018, by a XXXX XXXX. In my letter I disputed the debt, requested validation of the debt from their company, based on my rights, in reference to the Fair Debt Collection Practices Act, 15 USC 1692g. 
The debt is still showing on all three credit reports, and they have also stated the debt is valid in a dispute I made with XXXX  on XX/XX/2018 after sending the request for validation. I sent all correspondence between AFNI, Inc. and I to XXXX, regarding this debt. Even though AFNI, Inc. had not provided me any information regarding the debt in question, AFNI, Inc. responded to XXXX  that the debt was valid. 
I still had not received a response and the collection was still showing on my credit report on XX/XX/2018 so, I sent them another letter ; via certified mail, requesting removal of this debt from all collection agencies. This debt has not been removed from any of my three credit reports ; therefore, I would like to file a complaint against AFNI , Inc., for violating the Fair Debt Collection Practices Act, 15 USC 1692g.
Consumer complaint received 2024-03-22
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: DISCOVER BANK (AZ)

To whom it may concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1. Discover, XX/XX/23 XXXX. XXXX XXXX, XX/XX/23 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act section 1681 b ( c ) and a serious breach of my privacy rights. 

Please validate this information with this company and provide me with copies of any documentation associated with this account bearing my signature, authorizing an inquiry. In absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2024-03-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (SC)

Subject : Request for Assistance with Wells Fargo Account Issue Dear Sir/Madam, I am writing to seek assistance from the Consumer Financial Protection Bureau regarding a concerning matter with my Wells Fargo checking account. On XX/XX/XXXX, I received a call from an individual claiming to be from Wells Fargo, informing me that my account was being terminated due to claim submissions on XXXX XXXX and XXXX. Suspicious of the call, I contacted Wells Fargo directly and discovered that fraudulent claims had been filed on my account without my knowledge. 

Further investigation revealed that there were login attempts from three different states on the day the fraudulent claims were submitted. I clarified that I had not traveled to those states and do not reside there. While I was able to secure my online banking, the closure decision was made by the loss prevention team at Wells Fargo. I followed the steps provided by a representative from the loss prevention team to reverse the closure by contacting the claims department to address the fraud on my account. 

Despite my efforts, I encountered challenges in resolving the issue. The claims department seemed unable to lift or remove the flag that prompted the account closure. On the other hand, the loss prevention team indicated that a referral from the claims department was necessary to prevent the account closure. This back-and-forth process has been frustrating, and I have spent significant time trying to rectify the situation. 

As a loyal Wells Fargo customer since XXXX, I am deeply concerned about being penalized for fraudulent transactions that were not authorized by me. I believe that I should not suffer the consequences for actions that Wells Fargo has acknowledged as fraudulent. I am seeking your assistance in resolving this matter and ensuring that my account is reinstated without any unjust penalties. 

I kindly request the Consumer Financial Protection Bureau 's intervention to facilitate communication between the claims department and the loss prevention team at Wells Fargo. Your intervention in this matter would be greatly appreciated and will help in resolving this issue effectively. 

Thank you for your attention to this matter. I look forward to your prompt assistance and resolution.
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My consumer report consists of a number of inaccuracies that i have personally contacted the furnisher and the reporting bureau. According to the Fair Credit Reporting Act ( FCRA ), if the creditor can not substantiate the accuracy of the account, they are not permitted to report it to the credit bureaus. I have on Mutiple occasions asked the credit bureaus Transunion, XXXX and XXXX to remove these items from my credit report if they can not be corrected, XXXX being the only agency to rightfully do so. the other two still have not done so which is a complete volitation of my consumer rights.
Consumer complaint received 2024-03-21
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NY)

Synchrony Bank has a terrible habit of closing accounts without prior notification. They have CLOSED over ten accounts in one day some recently granted thus now ruining my credit score and credit reporting. Their practices are unconscionable!! 

Yet, I have an account with XXXX XXXX in which I am being charged for an item warranty that was returned in store on XX/XX/2024. XXXX XXXX insisted I obtain XXXX XXXX for an XXXX and I am still being charged for it even though I was fully refunded for the XXXX. I have been transferred to numerous customer service agents with no resolution.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.