davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-11
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GVA Holdings, LLC (CA)

On XX/XX/2021, I received several emails from loan agencies saying loans in my name were funded. I ignored those messages because I didn't apply for any such payday loans, and I didn't want to be a victim of a phishing scam. 

Then, starting on XX/XX/2021, I started receiving messages from debt collection agency XXXX stating that I had an unpaid balance with Bright Lending. I have never ever done business with Bright Lending or XXXX for that matter. 

I have emailed XXXX, XXXX, and XXXX several times stating that I didn't apply for any loans, but they keep emailing me for debt collection.
Consumer complaint received 2017-07-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION (NV)

My complaint is for an insufficient funds fee of {$29.00} that NFCU charged to me on XX/XX/XXXX. They claimed that a company by the name of XXXX XXXX attempted a withdrawal in the amount of {$45.00}. Being as though this is a secondary account the funds are kept minimal and since I was not expecting a debit, the funds were low. I get an unexpected notice of an item being returned. I contacted the merchant twice and both reps told me they did not attempt a withdrawal as my last request for XXXX XXXX XXXX was on XX/XX/XXXX and I used another account that went through successfully. I feel as though NFCU is erroneously stating that XXXX XXXX attempted the withdrawal and then charged me the fee. Normally a company tries at least 2 times to debit a payment and another tempt was n't even paid. I even transferred funds in the account in the event they did.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX 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.
Consumer complaint received 2024-03-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (NJ)

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
Consumer complaint received 2024-03-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
Consumer complaint received 2023-05-30
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL (WV)

I have been attempting to get two charges from an auto-shop charged back to me through Synchrony Bank XXXX Care Credit for the last 4 months. 

The auto shop was unable to locate the proper replacement for my automobile and refuse to give me my money back even though they are in possession all parts that had been installed into my car. They are admitting that they are at fault but claim to not have funds to pay me back. 

Synchrony keeps closing my dispute for various reasons. I have opened disputes a total of 8 disputes for two separate charges, 4 attempts for each charge. 

The first two times I opened a dispute, Synchrony closed the dispute due to me not communicating back with them but there was zero attempt at communication from them. No emails, phone calls or messages through their customer portal. 

The third time time, Synchrony informed me that I needed an invoice for each charge from the auto shop stating that all parts/labor that I was charged for had been returned to them. I did this immediately. 

The dispute was closed due to Synchrony not having a letter stating that I was still owed the funds for the auto shop. They told me that this letter could be typed by me, not the auto shop and did not need to be notarized. 

I immediately sent this letter along with all additional paperwork that they had stated they needed in the past. 

The dispute was closed again for lack of proper documentation. Again. 

Synchrony seems to change their rules and requirements for filing a dispute claim. The worst customer service management team I have ever encountered. 

I am looking to take legal action against Synchrony Bank due to financial negligence and will be closing my 5 credit accounts that I have with them.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations
Consumer complaint received 2023-05-30
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: Experian Information Solutions Inc. (VA)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX XXXX XXXX 4 LATE PAYMENTS Balance details 2 % paid off Balance {$47000.00} Balance updated XX/XX/XXXX Original balance {$47000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Auto Loan Payment summary XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Open. {$2400.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$2400.00} Original balance {$47000.00} Monthly payment {$760.00} Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 73 Months CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.
Consumer complaint received 2021-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MD)

I am having a problem having my returns credited with Amazon credit card from synchrony Bank. 
I have the following returns, XXXX. Glasses XXXX I returned an XXXX. 
XXXX Shoes I tried talking 2 them. One person asked me what did i buy. 
Another was just rude. 
Another started talking about an account summary 2 weeks ago. 
I want to have my account credited.
Consumer complaint received 2021-01-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RS Clark and Associates, Inc. (TX)

I was just released from the Texas XXXX XXXX  XXXX and did not authorize anyone to use my information for any debt, I could not have made this debt nor did I and have asked for documents and evidence to be provided that I was indeed the one that made the debt. The debt is not mine and I need it fixed, My attorney suggested that I file with CFPB prior to seeking a suit against XXXX XXXXXXXX and the client
Consumer complaint received 2023-07-08
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: HYUNDAI CAPITAL AMERICA (CA)

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (IL)

A late payment was reported by Best Buy/Citibank to my XXXX and XXXX credit report on XXXX XXXX. I was never late on any payment with Best Buy/Citibank off the life of the account. I am an Authorized User on the BestBuy. I would like for the late payment to be removed. 

Thank you,
Consumer complaint received 2024-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (WI)

I called Ally Bank to inquire about a withdrawal increase. I recently moved, and I need an RV for temporary housing, so I needed to access {$8000.00}. The agent told me that it was no problem and that he'd need to ask me some questions and send me a text code for verification. Everything was fine until the text code verification ; the line went silent at that moment. After XXXX mins of waiting and saying 'hello, ' I hung up and called back. After calling back and going through the process over again, I was told I failed the ID verification, and I now had to wait XXXX business days to be called back by a specialist. I called once again only to go through the whole verification process, including text code verification, and the woman told me I could not access my account. She also told me that I couldn't access my debit card, online account, or anything else until someone gave me a call in XXXX days. Even after I explained the situation, I've heard nothing from Ally, and now my accounts totaling XXXX are in limbo, and I might lose out on a place to live.
Consumer complaint received 2022-12-30
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. (CA)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act XXXX5 U.S.C 1692, XXXX XXXX XXXX has violated my rights. 

1

5 U.S.C 1681 section 602 A. States I have a 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 consent.
Consumer complaint received 2023-05-30
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: EQUIFAX, INC. (AR)

I am submitting my complain for you to notify that I am dissappointed as I saw my credit file with such an erroneous items. Through the law 605b of the FCRA, im sending this letter for you to help me establish a legal course. Kindly adhere to the law. Please remove the following items 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 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 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 2020-02-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (FL)

This is my 2nd complaint filed for this same issue. DIVERSIFIED CONSULTANT a debt collector is trying to collect a XXXX Debt that does NOT belong to me. In my previous complaint of the same nature ; I was advised to send XXXX a Identity Theft Affidavit. This was submitted last year and the item removed from my credit reports. Now, for the 2nd year, XXXX is trying to collect on the same debt. The Debt is in the name of a XXXX XXXX and my name in XXXX XXXX. I NEVER had a XXXX account or PHONE SERVICE. I was a 20yr XXXX XXXX XXXX customer and now a XXXX customer due to my employments extensive discount. Please HELP ME! XXXX needs to be held accountable for their BAD service and DIVERSIFIED CONSULTANT needs to stop harassing me and ruining my credit that I worked so HARD to keep at a good level. This has gone on TOO LONG and I have now FILED at the FTC complaints against XXXX. PLEASE MAKE THIS STOP!!!!
Consumer complaint received 2023-05-30
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'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 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 2022-12-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2018-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (MN)

Signed up for Wells Fargo XXXX XXXX XXXX because was told would get {$200.00} back if I charged {$1000.00} in 3 months. This was over 3 months ago and I charged more than {$1000.00}.
Consumer complaint received 2022-12-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 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 2023-05-28
Product: Credit reporting, credit repair services, 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)

While checking my most recent credit report, I noticed credit inquiry that I did not authorize and they are a result of identity theft, made by the following companies : I found that your agency has prepared my consumer report with inaccurate information ; which is a direct violation of 15 usc 1681e ( b ). The FCRA states that you have a duty to assure me that information being reporting will always be 100 % accurate and you have failed. 
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 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 XXXXXX/XX/XXXX I have faith that you will complete a full, proper, and legal investigation as described in the FCRA. After you complete your investigation please mail an updated credit report with all the changes to the address listed above. This investigation must be completed in 30 days once you have received this letter. According to 15 usc 1681i ( a ) ( 5 ) ( A ) inaccurate or unverified able information must be deleted once your investigation is complete.
Consumer complaint received 2023-07-08
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: EQUIFAX, INC. (OR)

Despite submitting certified court documents on multiple occasions, both via the website and certified mail, showing my legal name change Equifax has refused to correctly report this. After I filed a complaint with Consumer CFPB they locked me out of my credit report, and refused to allow my mortgage lender to access the report. 

I have now been refused credit by my bank, refused an apartment rental, and am unable to get a mortgage loan because Equifax is illegally reporting my previous name, as well as incorrectly reporting my credit history ( some of which was updated in my previous CFPB complaint, but not all ). 

This has been a four month battle and things have gone from bad to worse. They state they can't hear me when I call, and hang up on me, they refuse to change anything via the website dispute center, and even after being sent via certified mail, my certified court documents from an advocacy organization, and through CFPB, they still are not correctly reporting.