davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-18
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: ALLY FINANCIAL INC. (NH)

this has been a on going matter for over a year, ally financial still has not sent me verification, debt validation, audit trail with bank statements providing that they lending any monies for said loan. two affidavits XXXX rebutted which stands truth in commerce. cease and desist that i had filed but still reporting to consumer reporting agencies which is still a form of communication. IRS states any account charged off is considered income and income can not be reported as debt and i have never received my 1099-c for the charge off.
Consumer complaint received 2023-11-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (SC)

To whom it may concern, I XXXX XXXX are writing to you in reference to a charge off account with XXXX XXXX XXXX  whose collection agencies are XXXX XXXX XXXX XXXX, LVNV Funding LLC, and XXXX XXXX XXXX is reporting XXXX conflicting a collection amounts of {$1500.00}, {$1300.00}, and {$1300.00}. This creditor is performing unfair practices, in which has a negative impact on my credit report. This debt also exceeds the statutory limit for the state of XXXX XXXX, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from XXXX, XXXX, and XXXX respectfully. Thank you in advance for your attention to this matter.
Consumer complaint received 2023-08-26
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Navient Solutions, LLC. (GA)

On XXXX XX/XX/2023, Navient received a copy of paperwork that showed everything from the previous complaints I've made. They continue to call me when I established a no-call contact with Will ( Employee ID XXXX ) on XX/XX/XXXX and spoke to him about my file and the information I sent that was received on the XXXX. They have refused to look at my paperwork with everything that explains that I qualify for the XXXX settlement, yet refuses to talk about it and asks me in a message if I received paperwork for something I never asked for on the XXXX of XXXX. 

In the paperwork I established for them to look at was a letter, some credit reports, a screenshot of part of the XXXX settlement website, and my original promissory notes. I've also left some notes and highlights on certain pages to rectify certain things such as me never signing a loan for the amount given, exact words from the website about qualifying, and credit reports showing why I qualify. 

Attached is most of the evidence given to Navient.
Consumer complaint received 2024-03-08
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. (MI)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Balance : {$55.00} XXXX XXXX XXXX XXXXXXXX Balance : {$110.00}
Consumer complaint received 2021-02-18
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: SYNCHRONY FINANCIAL (GA)

Synchrony bank doesn't communicate properly when a CD is maturing. They have a complicated way of communication that involves logging in the account and retrieving messages from the INBOX located within the online account. The customer doesn't get any option after 10 days of the grace period, and has to pay penalties if he/she wants her money available for withdrawal.
Consumer complaint received 2023-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Upgrade, Inc. (NV)

The company UPGRADE is claiming I owe XXXX on a XXXX line of credit that I never had access to. My information was fraudulently taken over after I applied and changed to an address and email I never consented nor submitted. That card was being used with out my permission hence that I never received it because the card had been high jacked and redirected to foreign addresses and emails. My information was stolen. I noticed many charges were taken out of my account on the dates listed below XXXX - {$.00} XXXX - {$890.00} XXXX - {$100.00} XXXX - {$910.00} XXXX - {$96.00} XXXX - {$95.00} I called UPGRADE and my bank to file a fraudulent claim to rectify the problem. My bank refunded me all of the money after they performed their own investigation and determined it was fraud. I filed many complaints with UPGRADE who refused to remove 30 day lates off of my credit even after I had reported it fraud. They declined the fraudulent verdict and demanded I pay XXXX that I do not owe in order to remove the 30 day late off of my report.
Consumer complaint received 2023-07-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I am writing to follow up on my previous complaint filed with the Consumer Financial Protection Bureau ( CFPB ) regarding the inaccurate and unverified information reported by XXXX XXXX XXXX # XXXX. The information in question has violated my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681a.

As I mentioned in my initial complaint, I have never done business with this companie, and the information they reported on my credit report is completely inaccurate. Under 15 U.S.C. 1681a, I have the right to ensure that my credit report is based on accurate and verified information. 

I have already disputed this inaccurate information with XXXX XXXX, but I have not received a satisfactory response from them. I have copies of my previous dispute letters and any relevant documentation that supports my claim. 

I urge the Consumer Financial Protection Bureau to thoroughly investigate this matter and take appropriate action against these companies for violating my rights under the FCRA. I request that the inaccurate and unverified information be promptly removed from my credit report to prevent any further harm to my creditworthiness. 

Thank you for your attention to this serious matter. I trust that the CFPB will take the necessary steps to rectify this situation and protect consumers from such violations in the future.
Consumer complaint received 2022-10-18
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. (CA)

in accordance with the Fair Credit Reporting act XXXX  # XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX # XXXX Have 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 with antedates the report by more than seven years.

15 U.S.C 168s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-11-10
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CashRepublic Holdings, Inc. (LA)

I have recently been made aware of the Louisian SCRA benefits for active-duty military stationed in LA for a 6 % cap on interest rates from creditors and refunds of any interest paid over that. I tried reaching out to the company but was denied due to their interpretation of " Obligation '' expressed in Laws 29:311 and 2:312.
Consumer complaint received 2022-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (FL)

First of all, I received a certified letter sent from Paypal Credit Card with the month of XX/XX/XXXX 's monthly statement in it with my name as the customer, but I never ordered Paypal 's credit card ever and have never owned one. The following is data from the statement : Paypal ID XXXX / Credit Access Line {$1000.00} XX/XX/XXXX Deposit in XXXX ID ( XXXX ) {$35.00} XX/XX/XXXX Deposit in XXXX  ID ( XXXX ) {$36.00} XX/XX/XXXX Purchase XXXX XXXX ID ( XXXX ) {$36.00} XX/XX/XXXX Purchase on Amazon ID ( XXXX ) {$32.00} XX/XX/XXXX Purchase Online XXXX  Gift Card {$49.00} XX/XX/XXXX Purchase XXXX  XXXX {$56.00} XX/XX/XXXX Payment made on XXXX ID ( XXXX ) {$44.00} XX/XX/XXXX Deposit on XXXX ID ( XXXX ) {$23.00} XX/XX/XXXX Purchase XXXX  Gift Card ID ( XXXX ) {$89.00} XX/XX/XXXX Deposit in XXXX  ID ( XXXX ) {$36.00} Total Amount {$440.00} I have this statement and have let both the XXXX Sherriff 's Office and the Federal Trade Commission know that my identity has been stolen, and fraud committed, this I solemnly do swear this date XX/XX/XXXX.
Consumer complaint received 2022-10-18
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: EQUIFAX, INC. (NC)

Misleading False Reporting These accounts are negligently and inaccurately reporting failing to comply with 15 USC 1681.These are the accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-04
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (NY)

My name XXXX XXXX XXXX, NY XXXX AMEX Gift card fraud charges on card worth {$500.00} AMEX XXXX # XXXX XXXX XXXX Fraud charges from XXXX on : XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$51.00} XX/XX/XXXX {$10.00} Total fraud charges {$470.00} XXXX case # opened on XXXX, XXXX at XXXX EST I was given this XXXX case # XXXX I called AMEX Gift card and they closed the card on XX/XX/XXXX. 

XXXX indicated they refunded money to gift card on XX/XX/XXXX. AMEX customer service indicates money has not been refunded by XXXX. 

I sent a registered letter to AMEX on XXXX with this information and they have not responded. AMEX has not even provided the balance on another card. 

On XX/XX/XXXX, AMEX indicates they can't find my card number and it doesn't exist. 

I am being cheated out of {$500.00} and require your help.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I have been unable to retrieve my credit score from this company for about a month and a half now. There has yet to be an update. It is showing it is unavailable upon signing in to the online account.
Consumer complaint received 2023-08-25
Product: Credit card — Store credit 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: Colony Brands, Inc. (NY)

Seventh Avenue is not reporting accurate payment and account information to credit bureaus. I have sent numerous emails and just logged on and sent an internal email. I owe nothing. And due to the hassle I will not be ordering from any Swiss Colony company on credit. I have paid every month. I am paid in full on my Seventh Avenue account. There are no statements on account since XXXX XXXX. Last order was XX/XX/XXXX and last payments XX/XX/XXXX. There are no statements with these payments on my account. I am missing the cross candles. The order was lost and I didn't find the order until after XXXX on rental office porch. Ruined my XXXX but I was honest and let them know I found this order. I had been credited the order. So, recognize I am a very honest person. Thank you XXXX XXXX XX/XX/XXXX I do not like to waste your time but seventh Avenue will not cooperate
Consumer complaint received 2022-10-19
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. (NV)

Hello I have wrote this company including all three credit bureaus!!! I have No contract with this company and have let them know of this fraudulent activity!! I have ask to see proof of owner ship and in return I have received nothing back. I will have to take them to court for fraud a possible other charges. Please remove this I have been a victim of Fraud and Forgery. This is a warning im sending for a reasonable Investigation. XXXX XXXX XXXX!!!!!
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I HAVE SENT OVER MY CORRECT INFORMATION TO XXXX AND EXPERIAN, AND THEY REFUSE TO CHANGE THE INCORRECT INFORMATION ON MY CREDIT REPORT. I HAVE INCLUDED MY DRIVERS LICENSE, CURRENT BILLS, LEASE BANK STATEMENTS AND W2, THEY STILL REFUSE TO UPDATE MY INFORMATION.
Consumer complaint received 2023-07-27
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. (VA)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.
Consumer complaint received 2022-10-17
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX  account 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 an account without my written instructions I have sent multiple letters and emails ; also called XXXX XXXX and exampled to them that this account is not mine. By this account reporting false information on my credit report, it has caused lenders to refused applications ; which put my business in a financial deficit. Please assist me with this issue.
Consumer complaint received 2022-10-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GOLDMAN SACHS BANK USA (NY)

I have an installment payment issue for my XXXX XXXX pro XXXX purchase on the XXXX XXXX with an apple card ( Goldman Sachs ). 
The first order was made on XX/XX/XXXX, with an apple card installment plan, and it has been returned to the XXXX XXXX due to the wrong shipping address. And I repurchased the same phone XXXX pro XXXX the next day ( XX/XX/XXXX ) with an apple card installment plan again, and the full amount of the installment for the first order was refunded on the same day. 
But the problem is I still see two installment plans on the same XXXX device and it has been charging double a month since XX/XX/XXXX. I guess the installment plan for returned XXXX is still active.
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Due to my understanding XXXX XXXX XXXX TransUnion drop my score by XXXX incorrect information being reported unlawful including XXXX XXXX  XXXX they supposed to delete that from my credit report XXXX TransUnion XXXX refuse to comply with federal regulations guidelines reported incorrect information or to investigate not drop people score to harm my credit my self account is paid in full my credit score drop I here request them to put my score were it was or file civil action lawsuits against the company fraudulent activity personal information
Consumer complaint received 2022-12-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
Consumer complaint received 2022-11-25
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. (FL)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Kindly adjust or correct the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/2021
Consumer complaint received 2018-12-06
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (FL)

XXXX  has been non-compliant with removing the unverified account WELLS FARGO BANK CAR Date opened XX/XX/2014 which has been deleted by XXXX and XXXX. XXXX  and XXXX   have both completed their research and determined that WELLS FARGO BANK CAR was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

I only use my VISA check card when I pay bills on line, shop, deposit a check are cash, thru the ATM or withdraw money with my pin. I don't use my card a lot at all, so when I discover charges on my account, I could member wear my card was located during that time. I phone the claims department in XX/XX/XXXX late night after I got off work. I told them about some claims in my account from the same merchant. The claim department told me is the claims were 60 days old they could recover the monies unless, in was in jail, incarcerated, in the Military or the hospital. The claim department stated that was chase rules, I never read chase rules because chase brought out my bank Washington Mutual so I inherited chase bank. The bank put a temporary credit in my account during the investigation and I waiting until I received a respond from the bank. 

In the month of XXXX my account was overdraw for XXXX when I called the bank they stated the claims were 60 days old and they couldn't recover the funds. A few weeks later they overdraw my account another XXXX when call I was told the card has a chip and the cards was use even I report lost when I couldnt find the card. The chip in the card can't be compromise. So I file an appeal on XX/XX/XXXX with the claim department and I was told they would contact me in 3 to five days. On the XX/XX/XXXX I call again and was told it was denied so I question then about the card lost so I was told they would get back to me. On the morning of the XXXX I try to quick pay monies of XXXX and the account showed an error. I called Chase and I was told I need to spoke with the fraud unit and they gave me a number to Ms. XXXX XXXX at XXXX. Ms. XXXX stated she had my account because of the claims pending my account was overdraw and they sent it to he unit. Ms. said she put my join account on hold and was taking any monies I had with the bank apply to the claims. 

I informed her I never got another response from the claims department from my appear. I was told to call the claim unit! I called claim unit was told the back offices still had the claim. I reach out to the claim unit again on Monday XX/XX/XXXX they said again it didn't matter about the card being lost the claims her denied. The federal government said let the banks fall in XXXX when they gave the taxes payers money to the banks, chase got XXXX XXXX dollars to lend out and they keep the moneys and made profit. 

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