davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-04
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: Experian Information Solutions Inc. (MD)

I am a victim of identity theft. I recently learned that my personal information was used to open an account at XXXX. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that XXXX absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files immediately. Even though, my account is frozen, XXXX recently listed this account on my credit report without my knowledge. 
I provided a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to XXXX that are the result of identity theft. I also provided a copy of the CFPBs Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. In addition, I provided a copy of documentation pertaining to the Data Breach and XXXX completed Affidavit, along with a police report.

The Notice also specifies their responsibilities when they receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information was provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.

I suggested that they investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions.

I've not received any type of documentation of report of their findings. Also, all the these fraudulent charges are still on my credit report. 
Date : XXXX XXXX XX/XX/2023 Amount : XXXX ( there are 12 accounts adding up to {$4000.00} ) Company : XXXX
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

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. ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THE FOLLOWING ACCOUNTS HAVE VIOLATED MY RIGHTS TO PRIVACY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I have submitted a factual dispute to Experian pointing out inaccuracies XXXX XXXX XXXX XXXX was reporting. I've disputed XXXX XXXX repeatedly reporting " Charge Off '' on my account and XXXX XXXX XXXX. I am aware the creditor has the option to update its reporting however it came back as verified. I have sent several requests for them to provide me with the method of verification used to verify the information being reported those request came back with a credit report and a updated saying verified. Please see attached at this point I am requesting a deletion of this creditor from my Experian report.
Consumer complaint received 2022-10-25
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: EQUIFAX, INC. (MS)

In accordance with the Fair Credit Act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. Under 15 USC 1681 section 604a section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 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 any purpose.
Consumer complaint received 2023-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I opened a checking account with Chase to take advantage of the bonus of {$300.00} if you have a payroll direct deposit. I am working with XXXX and part of my paycheck is directly deposit to Chase Bank. Currently, Chase has not given me the bonus because per representative the deposit was not showing as payroll check, instead it is showing as a transfer. I offer to send a copy of my paycheck as a proof it is my paycheck, but they declined. I felt they are not giving me a chance to prove it was a payroll check and is not willing to give the {$300.00} bonus. I spoke to several representative & manager, who advised someone will call me back in 2 hrs. I waited 48 hrs but nobody called me back. After calling them 4 times someone advise the case is closed. I conference the rep with XXXX XXXX, and our XXXX  confirmed it was a payroll deposit, but they still did not accept the verbal. Please help. This is a false advertisement of Chase Bank.
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I tried to dispute this closed account with XXXX balance, because they are reporting with late payment. As far as I know it is illegal. I need a quick resolution for this. 

Account Name : XXXX Account XXXX : XXXX
Consumer complaint received 2023-11-06
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)

The unverified items indicated below continue reporting on my credit report despiteseveral written requests, in violation of federal law. 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 donot 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
Consumer complaint received 2023-07-11
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 (OK)

I WILL BE SUBMITTING THIS COMPLAINT TO SYNCHRONY, PAYPAL, AND XXXX. THIS IS SO ALL PARTIES ARE AWARE AND HAVE MY PERMISSION TO RESOLVE THE ISSUE. 

It has been four years and Synchrony/PayPal have not properly investigated the problem they have requesting funds from my bank account. I have multiple Synchrony accounts that have no issues receiving payments, so I thoroughly believe that the problem lies with PayPal. The problem is that the PayPal funds are held by Synchrony, so they continue to blame each other. I had made a compromise four years ago in order to make my payments and have done so on time until Synchrony changed their system. This permanently removed my account an ability to make the payment online. I do not receive a paper bill for this account. I have made payments over the phone, but those also get rejected by the PayPal system. I have asked to use my debit card as a form of payment, but they only allow that once.

Most recently PayPal made a change in their system so I could have my bank account linked. I did so and made a payment. They claim my bank informed that I implemented a stop payment. I DID NOT.! This is the problem. The request NEVER MAKES IT TO MY BANK! 


The following is the response from XXXX from XXXX. It indicates that their isn't a problem with my account and Synchrony/PayPal would not provide the documentation requsted to resolve the issue. 

Date of response : XX/XX/XXXX We are responding to the concerns about the XXXX XXXX XXXX XXXX XXXX XXXX ) which you outlined in your correspondence to the Consumer Financial Protection Bureau, regarding PayPal debits from your checking account. Per our records, XXXX XXXXXXXX XXXX contacted us on XX/XX/XXXX, stating that the XXXX rejected PayPal Automated Clearing House debits from the checking account ending in XXXX. A Member Service Representative explained that there were no rejected debits in the recent account activity, and the matter was closed. On XX/XX/XXXX, you advised that the payments were returned between XX/XX/XXXX and XX/XX/XXXX, and your concerns were escalated for further review. XXXX XXXX, of our staff, conducted a thorough evaluation of the account history between XX/XX/XXXX and XX/XX/XXXX. She found no restrictions on the account that would cause returned payments, no non-sufficient funds fees indicative of returned payments, and no negative balance ; therefore, she concurred that there were no records of returned payments to Synchrony Bank. XXXX XXXX contacted Synchrony Bank to obtain supporting documentation from them for the alleged returned payments. XXXX XXXX, currently the XXXX does not have enough information to pursue a resolution, as we are awaiting additional information and documentation from Synchrony Bank. If you have additional questions, XXXX XXXX remains available to assist you. Thank you for this opportunity to respond to your concerns.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Accounts Affected by the Crime FTC Report Number : XXXX First Name : XXXX Last Name : XXXX Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Phone : XXXX Email : XXXX I have never authorized these charges on my credit. I have not supplied proof under the doctrine of estppel by silence, Engelhardt v. Gravents ( mo ) 281 SW 715,719, i presume that no proof of alleged debt, noe therefore any such debt, in fact does not exist.

Fraudulent Auto Loan or Lease Company or Organization : XXXX FL XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$9500.00} Fraudulent Rental of Apartment or House Company or Organization : XXXXXXXX XXXX XXXX  Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$5800.00} Fraudulent Mobile Phone Account Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$2800.00}
Consumer complaint received 2023-01-24
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. (NJ)

In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX has violated my rights. 

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

15 U.S.C 1681 section A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Consumer complaint received 2018-06-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC. (AZ)

I have recieved our monthly statement on XX/XX/XXXX and noticed that there was an extra payment on there that was not made by my husband or myself. I called Citizens One Auto Finance to figure out what happened and why there was an extra payment. When talking to customer service, they informed me that the payment made was on XX/XX/XXXXonline and the card was saved to the account. At this point I asked to speak to a supervisor because I did not approve this payment. The supervisor had helped remove the card while I was on the phone with her. I had asked her what name was on the card and she informed me that it was in my name and appeared to be a debit card. While visiting with her, I had asked for the information on the card ( bank information and the rest of the card number, expiration date ) they would not give me the information because they do not have it. That was the end of the call on this date. I called back the next day and spoke with customer service supervisor again and they had already started doing the reversal payment on the card ending in XXXX ( which I am not the card holder on, nor do I have the card ). I had explained to them that I have the right to this information, especially with the card being in my name and trying to figure out if it is identity theft. I told the supervisor that the only people that have my account information should be my husband, myself and their bank. To make an online payment you need to have the following information : account number and the last 4 of your social security number.
Consumer complaint received 2022-10-25
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. (MI)

Since becoming pregnant in XXXX and the pandemic I have been struggling to pay my car note. I called in XXXX of XXXX to advise that I would be having issues paying my bill and wanted to see if there was any assistance available. I was placed in the Covid protection program. At the end of each I would make my payment if I could. 

After living off of my savings for 2 years, I have no money. I called credit acceptance to see if there was anything more that could be done so I could keep my vehicle and my credit not be impacted due to the global pandemic. They would advise for me to just make payments that I can afford to pay, they reassured me that I would stay under covid protection. In the mist of not qualifying for unemployment benefits and not being able to find a job that paid enough to allow me to send my newborn to daycare, I missed 2 payments. 

I called credit acceptance in XX/XX/XXXX to explain what was happening and why I missed the 2 payments and begged them to keep me on covid protection. Even though prior to Covid, I was not late or missing a payment, they refused to put me back on covid protection. I am in a single-mother group that shares helpful information with each other and one of the mothers told me that the same thing happened to her and she was able to get back on the program and her credit was not affected. 

Since not being placed on the covid protection plan, I have still been making payments when I can, but my credit has been hit extremely hard, so much so that I can't get approved for an apartment for me and my daughter.

My credit score was XXXX, and because of covid and credit acceptance, my score is barely at XXXX. I really need help, I'm not deep enough in debt to be able to file for bankruptcy, credit acceptance is what is hurting me the most. 

Currently, my daughter and I are living in our car since I can't get approval for an apartment that is in a safe neighbor for us both.
Consumer complaint received 2023-08-09
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. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these 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
Consumer complaint received 2023-11-06
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)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-06
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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove this inquiry immediately. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-24
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. (IN)

I sent a letter on XX/XX/2022 asking Experian, XXXX and XXXX to investigate an account that is reporting on my consumer credit report that is not mine. It has been over 30 days and these consumer reporting agencies are in violation. 

According to 15 USC 1681i : Experian, XXXX, and XXXX have 30 days to investigate and send me the results. They did not even record the current status of the disputed information which is another violation. 

So in general to sub-section F and extent as provided in sub-section G if the completeness or accuracy of any item of information contained in the consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute that agencies shall free of charge conduct at a reasonable reinvestigation to determine whether the disputed info is accurate and the record the current status of the disputed information or delete the item from the file in accordance with paragraph 5 before the end of the 30-days beginning on the date in which the agency receives the notice of dispute from consumer or reseller.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (TX)

I am filing a complaint as a general consumer credit reporting concern for unfair reporting practice, as opposed to a specific reporting error I have experienced on my own credit report. 

I work in the field of consumer and business finance, regularly working with clients attempting to get direct or indirect funds for business start-up. 

There are many occasions when clients at some point in their credit history have shown late payments on a student loan, and their scores appear meaningfully lower than what they anticipated. 

A commonality in many of those instances is that a borrower who may have a single loan payment due to their student loan serving company actually shows several different credit account lines on their credit reports, all timed to the same loan payment. 

Each semester that a loan advance is issued, a separate trade line appears on the credit report, but these various loan advances, once they come into repayment status, are generally made to the XXXX XXXX as part of a single, consolidated payment. 

If there ever is a late payment, such as when a loan comes out of deferment without a borrower 's realization, the credit bureau does not simply show one late payment. It reflects every single trade line, for each separate loan advance, as having had a missed payment. I have witnessed clients who likely were late on a single payment, or a single loan for multiple payments, whose credit report is unfairly harmed by several different loan advance trade lines all reporting as if the individual payments were late, instead of just a single payment account being delinquent. 

I have personally observed examples of 8 to 12 different adverse trade lines reporting as a result of a single payment being late. 

This practice is punitive and, in many cases, is not at all reflective of the payment history the borrower demonstrates across their broad credit file and history. 

I do not know where this observation is best directed, but I felt that making the CFPB aware was the best starting point, with my local legislators being next, in case there is an ability to direct student loan companies to fairly report one late payment as one late trade account on the bureau when there is only one actual payment being processed.
Consumer complaint received 2023-06-23
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)

I have disputed the attached account multiple times and have reached out to XXXX to remove this from my credit due to reporting inaccurately. I have circled all inaccuracies and attached it to this request. The account is reporting incorrect information, this account has been paid in full. I made contact with XXXX to make the correction, they said they would correct it but did not.