davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (NC)

CARECREDIT/Synchrony ... XXXX, XXXX, XXXX, XXXX, and XXXX, each year I would schedule all payments for the following/current year in XXXX, XXXX or XXXX. Emails and screenshots are attached. My payment due was maybe {$25.00}, but I scheduled {$50.00} payments on the XXXX of each month for the entire year, XXXX - XXXX. XXXX of XXXX, I did the same and scheduled {$50.00} payments on the XXXX of each month for XXXX - XXXX, which is all the system allowed indicating there wouldn't be a payment due after XXXX and this would pay this off in full. XX/XX/XXXX, they contacted me and advised that I missed a payment. My response was how could I miss a payment, when I had paid all your system would allow me to pay, which would bring my balance to XXXX. I have been paying {$50.00} a month, twice the minimum payment for over 5 years. That was a glitch in their system and they weren't going to charge me a late fee. I immediately paid them {$50.00} on XX/XX/XXXX. They contacted me again and I paid them another {$50.00} on XX/XX/XXXX. So, I paid them {$100.00} for a balance that was to be XXXX per their system. Their system allowed me to schedule all of the payments and stopped at XXXX of XXXX. Then they say I missed a payment that their system didn't allow me to pay, which would have been my last payment that their system didn't allow me to pay and then apparently they added late fees or something and I scheduled XXXX additional payments for a glitch in their system that they weren't going to charge me for. I saw this on my report and contacted them to resolve the issue that was clearly their fault. Their agent filed something for review with them in XX/XX/XXXX. All they did was add this back to my credit report as if it was new charges and labeled as a charge off effective XX/XX/XXXX. Synchrony has some unsavory business practices.
Consumer complaint received 2022-09-23
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: Experian Information Solutions Inc. (SC)

In accordance of 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 - Account XXXX XXXX ; XXXX XXXXF - Account # XXXX ; Dept of EDXXXX XXXX Account # XXXX ; XXXX XXXXXXXX XXXX  - Account # XXXX ; XXXX XXXX XXXX Account # XXXX ; XXXX  - Account # XXXX ; XXXX XXXX  XXXX Account XXXX XXXX ; XXXX XXXX XXXX XXXX Account # XXXX ; XXXX XXXX XXXX XXXX Account # XXXX ; XXXX XXXX XXXXXXXX XXXX Account # XXXX ; XXXX XXXX XXXX - Account # XXXX ; XXXX XXXX - Account XXXX XXXX 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 an account without my written instructions 15. U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may take any consumer reporting 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 in accurate.
Consumer complaint received 2023-07-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (AL)

Upon checking my credit report. I see that your company is stating that i owe for a insurance collection that is not mines. I have constantly called XXXX to report that i had identity theft. Yet they was still telling my that i was constantly paying out of my account. I was not paying out of my account for any insurance. I do not have a car to which i would need insurance for. I am really trying to handle this without proceeding to legal actions. I had this going on due to my mother and ex girlfriend getting my information and putting multiple things in my name. I am asking for a refund for any money that was received from my bank account and for this collection to be removed
Consumer complaint received 2023-11-10
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)

In accordance with the Fair Credit Reporting Act Publishing of Listed addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 



15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-05-16
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. (TX)

I have disputed these erroneous account multiple times because I do not recognize this debt. The company did not preform a proper investigation therefore the account wasn't removed. The company insists that the account is mine although it is not. If there is an account with them in my name it is a result of theft. I have filed an identify theft report. There are two accounts with XXXX XXXX. XXXX XXXX  XXXX Account number XXXX and XXXXXXXX XXXX XXXX XXXX Account number XXXX. In addition, the company keeps changing the charge off date. The charge off is over XXXX XXXX XXXX
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2018-04-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BARCLAYS BANK DELAWARE (CT)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX sent me a letter stating I owed Barclay 's Card money. I sent a validation letter stating I needed the signed contract that showed I agreed to pay. Also that I needed their license number to show the can legally collect in my state. Also that I would need 30 days upon receiving the information to investigate and that they have to stop all collection activity during the investigation period. They sent me back bills from the credit card company. They did not show any documentation with my signature showing I agreed to pay what they said I owe. Also did not send any license number whether it be their attorney license number or debt collections number. the letterhead says the offices of XXXX XXXX XXXX and also ends with that with no signature. I found that XXXX XXXX hasn't had anything to do with the company since 2007 and is not a member of the bar anymore. The company also isn't registered as a debt collector with my state. I have received papers for a lawsuit. Still on those papers no attorney is named just the law office. Since I'm not being sued by an attorney or member of the bar but instead from a company operating as a debt collection agency that company needs to be registered to collect in my state. Under the Fair Debt Collections Practices Act this company is acting in deceiving ways which is against the law. This company and the one they represent still are reporting negative information to the 3 major credit bureau 's though failed to validate the debt again a violation of the Fair Debt Collections Practices Act as well as Fair Credit Reporting Act. It is also defamation of character. I know of many others who have filed complaints as well. This company is a fraud and needs to be shut down!
Consumer complaint received 2023-07-26
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: JPMORGAN CHASE & CO. (CO)

On or about XX/XX/XXXX I filed a dispute with Chase Visa about a charge that exceeded what I was quoted. On XX/XX/XXXX I booked a rental car from XXXX and was quoted a total of {$1800.00} ( unlimited mileage/no additional fees ). XXXX then billed me {$2100.00}. I contacted XXXX and requested an explanation as to why the amount was higher than quoted and they would not provide rationale ( " That's just what it cost '' ). I then filed a dispute with Chase Visa for the difference between what I was quoted and what I was charged. I received a letter from Chase on XX/XX/XXXX stating they had received information from XXXX that appeared to verify the charges were valid and was attached for my review. There was nothing attached ( I also verified online nothing was available ). I mailed a response to Chase on XX/XX/XXXX that there was no evidence to dispute my claim and that I was continuing my dispute. On or about XX/XX/XXXX I received another letter from Chase that they had closed my dispute finding in favor of the merchant. I called Chase and demanded to know the rationale as to why they closed my dispute in favor of XXXX. The agent reviewed the file and stated that the finding merely indicated that they believed I owed XXXX for the rental but mentioned nothing about my actual dispute that I was charged more than what I was quoted. Chase 's agent recommended that I send a letter requesting the dispute to be re-opened ( there were actually two disputes they closed without evidence or rationale but they have only responded to the XXXX one so far ) which I did on XX/XX/XXXX in which I again went into great detail about the basis of the dispute, the amount I was disputing and the fact that I had received no evidence or correspondence from XXXX justifying their charges. On XX/XX/XXXX I received two letters from Chase. The first was dated XX/XX/XXXX and stated they were investigating the dispute and would reverse the charges. The second was dated XX/XX/XXXX ( ONE day later ) that stated they " Confirmed the Transaction '' and had re-issued the charge to me for the full amount charged by XXXX. There was no explanation provided about how they arrived at that finding or and evidence to support same. I am hereby filing a formal complaint against both XXXX and Chase and am requesting assistance in remedying the fraudulent charges by XXXX and further requesting investigation into Chase for their apparent failure to perform due diligence and to execute their responsibilities under the Fair Credit Billing Act of 1975.
Consumer complaint received 2021-07-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XX/XX/2021 I disputed more than several accounts via mail with Transunion. At the time of dispute several were removed without resistance leaving me with one collection account on credit report. Collection account XXXX of {$1400.00} was claimed to be verified through investigation as being my debt within same month of XXXX. I returned reply asking how did they verify account an for investigation reports verifying it was I. Transunion in turn replied I must send a address verification with documents verifying my identity because I wrote them from a different address because I initially wrote them from a rehabilitation center in which I was discharged on XX/XX/2021. But I followed instructions to theyre reply an sent documents. When I followed up in reference to them receiving documents theyre claim was they never received the documents an I can not have access to investigative reports or anything that verify the account as being mine and the collection will not be removed. This has been a back an forth for months now. Today XX/XX/2021 I wrote a hand written letter an sent it certified with return receipt to collection agency XXXX XXXX XXXX of XXXX Fl for account XXXX. Ive asked them as I did Transunion to send investigative documents verifying the account is mine or remove it in the allotted time if they can not. Now Im filing a report with ConsumerFinance.Gov. Thank you.
Consumer complaint received 2024-05-02
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. (PA)

Per the Federal Credit Reporting Act as federally protected consumer pursuant XXXX XXXX XXXX I XXXX XXXX am now OPTING OUT of any and all authorization I the consumer XXXX have given to XXXX XXXX XXXX XXXX written, unwritten, verbal nonverbal to report my non-public personal information. XXXX XXXX XXXX XXXX is in violation of the Privacy Act of 1974 also XXXX XXXX XXXX Reasonable opportunity to opt out because I was never notified by XXXX XXXX XXXX XXXX that my non-public personal information would be shared with Third party affiliated such as XXXX, Equifax, and XXXX and I was never given the opportunity to opt out which XXXX XXXX XXXX states I have the right to opt out on anything reported on my credit report and I supposed to receive opt out option every XXXX days which XXXX XXXX XXXX XXXX did not provide XXXX hereby exercising my rights under XXXX cfr XXXX according to XXXX XXXX XXXX I was supposed to receive XXXX different disclosures before my non-public personal information was shared but never received notice. To conclude XXXX, Equifax, and XXXX is in violation of XXXX XXXX XXXX XXXX sec XXXX because it states a reporting agency can not furnish an account without written instructions I did not give written instructions to XXXX Equifax and XXXX to report XXXX XXXX XXXX XXXX account and supporting sharing my non-public personal information such as transaction history and balance. I did not give written instructions or written consent for my non-public personal information and did not give consent for those agencies to report XXXX XXXX XXXX XXXX account on my report.
Consumer complaint received 2024-06-25
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (UT)

Between XXXX and XX/XX/year> I have applied three times for a XXXX card that is provided via Synchrony Bank XXXX The first application no reason was given. The second they claimed, eventually, they could not verify my identity even though they had my full name, XXXX, XXXX, full address I have lived at for over 18 years, my income, etc. More information than required to open any bank account anywhere. I even saw their credit checks on my monitoring account. The third and last time, XX/XX/year>, I went into the store with my drivers license, ssn card, birth certificate, XXXX  XXXX XXXX, CCW card, printed bills such as water and electric for my home, etc. It was still rejected with no reason. My credit rating is well in excess of XXXX. I have XXXX debt other than my rotating CC signature card I use for all purchases and pay off every month. I have never missed a bill. I have no complaints on my record. I qualify security back ground checks. Etc. Etc. I only wanted this card for a large purchase to get 20 % off initially and then the 5 % ongoing versus my 1 % on my signature card. I have been using the Lowes near me for over 18 years and spent XXXX of dollars there. Their association with this " bank '' has forced me to cease my interactions with them and will be going elsewhere as much as that pains me. I will also be avoiding any business that makes use of Synchrony because I find them purely untrustworthy.
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-12-03
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. (MS)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$2900.00} XXXX XXXX Balance : {$32000.00} XXXX XXXXXXXX Balance : {$33000.00} XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXXXXXX Balance : {$6000.00} XXXX XXXX XXXX Balance : {$5300.00}
Consumer complaint received 2023-07-26
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NC)

I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THIS ACCOUNT. BLOCK AND REMOVE IT. 
XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: Contemporary Information Corp (CA)

( a ) In general. You must not use eligibility information about a consumer that you receive from an affiliate to make a solicitation to the consumer about your products or services, unless the consumer is provided a reasonable opportunity to opt out, as required by 1022.21 ( a ) ( 1 ) ( ii ) of this part.
Consumer complaint received 2022-12-03
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. (LA)

I constantly check my credit report and noticed that errors and false misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time time. Im demanding CFPB to enforce the corrections and or deletion of these items
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sezzle Inc. (TX)

Incorrect information is reflecting on my credit report that my account was paid late and it was not they just said I had a late payment on XXXX was reported on my credit report saying I was late in XXXX. Its currently showing Im late and this account has been paid in full with a XXXX balance since XXXX. There not reporting anything accurate on my credit report not XXXX balance not current limit and also reported a late payment which I was never late. On my credit report stating Im late and Im not late. I need a letter stating that Im not late and showing my current balance which is XXXX. The attachment shows it wasnt updated since XXXX but I got alert on XX/XX/XXXX and my points drop XXXX points because was showing currently late I also attached my credit limit with them showing also I dont owe anything also what is reporting incorrectly on my credit report I was never late and why was this just got reported XXXX if I was late way in XXXX. I was never late I want this corrected and Im currently not late as well. Thank you
Consumer complaint received 2018-04-22
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)

I have recently found out about inquiries that i was not aware of. After reporting mine being a victim of identity theft twice to consumer agencies XXXX has not removed items on my report. Only XXXX. XXXX XXXX XX/XX/XXXX ;XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX- XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XX/XX/XXXX. XXXX XXXXXXXXXX/XX/XXXX. XXXX-XX/XX/XXXX. XXXX XXXX XXXXXX/XX/XXXX. XXXX-XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXXXXXX. XXXX XXXXXX/XX/XXXX. XXXX O XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXXXX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX-XX/XX/XXXX ; XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX- XXXXXX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX-XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXXXXXX XXXX-XX/XX/XXXX. XXXX XXXX XXXX-XX/XX/XXXX ; XX/XX/XXXX. XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX-XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2022-12-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In XXXX, the FCRA BECAME LAW " TO ENSURE FAIR AND ACCURATE CREDIT REPORTING, PROMOTE EFFICIENCY IN XXXX XXXX XXXX, AND PROTECT CONSUMER PRIVACY. '' XXXX XXXX. Co.of Am. V. Burr, 551 U.S. 47, 52 ( 2007 ) SHARING CREDIT INFORMATION, " THOUGH OFTEN NECESSARY IN MODERN ECONOMY, CAN RESULT IN A SIGNIFICANT INVASION OF PRIVACY AND CAN JEOPARSIZE A COMSUMER 'S PERSONAL REPUTATIONAL, AND FINANCIAL WELL BEING. '' DELETION OF WILLFUL NON COMPLIANCE NEGLECTFUL NON COMPLIANCE OF INTENTIONAL. FDCPA VIOLATION, INVASION OF PRIVACY, DECEPTIVE. TRADE PRACTICES BY THE COLLECTION AGENCY IMPERSONATING " ATTORNEYS. '' FCRA PROVIDES A PRIVATE RIGHT OF ACTION FOR THE INJURED CONSUMERS. 551 U.S. at 53 ; TRW INC. v. ANDREWS, 534 U.S. 19, 23 ( XXXX  ). A WILFUL VIOLATION ENTITLES. A CONSUMER TO ACTUAL DAMAGES. 15 U.S.C. 1681o ( a ). A WILLFUL VIOLATION ENTITLES THE CONSUMER TO ACTUAL OR STATUTORY DAMAGES, WITH PUNITIVE DAMAGES LEFT TO * the court 's discretion. 15 U.S.C. 1681n ( a ). DO NOT UPDATE ADVERSE INFORMATION PLACED WITHOUT HANDWRITTEN CONSENT BEFORE HAND!! DELETE THIS FRAUDULENT ACCOUNT AT ONCE!!