davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-31
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SYNCHRONY FINANCIAL (OH)

I previously logged a complaint with the CFPB regarding the failure of Synchrony Bank to release a claim for a Pay Pal Credit account. I given the name and phone number of a bank representative : XXXX XXXX Senior Specialist, Corporate Consumer Relations Synchrony Bank XXXX : IID XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Telephone Number ( XXXX ) XXXX, extension XXXX XXXX sent a reply to CFPB stating someone tried to reach out to me via phone. I did not receive any messages from Sychrony Bank. In Synchrony 's reply to the complaint I was informed that I needed to fax my memorandum title information to the lien department of Synchrony Bank. I faxed the information multiple times before and after the complaint was filed and Synchrony responded to the complaint. As of this date XX/XX/2022 there has been no release of lien or release of claim submitted to the state of Ohio or directed to me.
Consumer complaint received 2022-05-31
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation (GA)

SEND TO ME EVERY DOCUMENT PERTAINING TO THE ACCOUNTS BELOW THAT YOUR AGENCY USED TO VALIDATE THE DEBT. Provide me a copy of when I sent a written permissible purpose to validate the alleged debt. Please provide a audit trail for the alleged debt. If every piece of documentation can not be provided the account must be removed from my credit report immediately.
Consumer complaint received 2022-05-31
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. (NV)

on XX/XX/2021 written to XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Cards In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (LA)

I sent a letter to XXXX  asking for : 1. Validation of the debt -- that is, the actual accounting.

2. Verification of a signed Invoice.

3. A copy of the Contract binding both parties ( you and them ), in a letter by '' certified mail ' so that there is an independent " witness to it having been delivered. '' However, according to 15 USC 1692e, 15 USC 1692d, and 15 USC 1692B not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debit.
Consumer complaint received 2022-05-31
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. (MD)

The Credit Bureaus never did a proper " Investigation '' according to the FCRA The Term " Investigative consumer report '' mean a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer report on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They Did Not Do This. 

Also, They have violated my rights even more In Accordance With The Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit Bureaus Stated my accounts was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This Grounds for Removal. 

They also violated the law because according to 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 : Its also states a consumer reporting agency can not furnish a account without my written instructions I did not give anybody written instructions
Consumer complaint received 2019-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (MI)

I have a charge off account with Synchrony Bank that has been reporting a {$0.00} balance since XXXX of XXXX. I have disputed this account with XXXX twice for inaccuracy and the results just come back as verified and accurate. The payment history on this account has changed several times where before it shows I was late XXXX of XXXX then XX/XX/XXXX and after it came back verified and accurate it changed to being late in XX/XX/XXXX and XXXX of XXXX. Also, XXXX reports this account as " Paid in Full/was a charge off ''. This status is what XXXX shows after the investigation of my dispute as of XX/XX/XXXX. As of XX/XX/XXXX XXXX is showing that I missed a payment on this charged off account in XXXX as well as showing a balance of {$440.00} on the Sync/Walmart account.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XX/XX/2023 noticed a drop in credit score on TransUnion. Found out a lender had reported a missed payment. Called lender ( XXXX ) and found that someone had used my name and social security number to get a loan on car tires. The loan was for ~ {$1600.00}. They didn't pay back the loan and then it was reported to TransUnion XX/XX/2023 XXXX agreed that the loan was faudulent and said they would contact Transunion Dispute and Fraud alert added to Transunion XX/XX/2023 Transunion credit score continues to drop, with fraud loan now further in default. 
XX/XX/2023 - still not resulved. Opened another dispute. 
XX/XX/2023 - chatted with TransUnion and tried calling 3x - hung up on each time XX/XX/2023- left a XXXX comment, chatted with rep. Was more helpful, but it seems that although XXXX says they responded to Transunion, TU did not have a record of that. There is a XX/XX/XXXX deadline for info from XXXX
Consumer complaint received 2019-03-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (LA)

I pay late each month so a late fee is applied. I have paid mid month every month and included the late fee in my payment. The company is applying the extra I send for fees to principal. I have requested to have the payments reversed and applied correctly. The company states that unless I pay on time they will not apply my extra funds to the fees. I have never paid outside of the month due so there is no need to hold the funds to pay the payments/principal.
Consumer complaint received 2022-05-31
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. (PA)

At some point around XX/XX/XXXX, i sent in disputes to the Credit Reporting Agencies. 
I am reiterating that XXXX, Equifax and XXXX are reporting my Private/Public information from my " XXXX XXXX XXXX ID # XXXX '' without my consent, nor have they gave me written notice of what would be reported or what info I wanted publicly reported. ( See Fair Credit Reporting Act ) These agencies are in violation of the Privacy Act as well. 

All information being reported is not information reflected within my true credit report with the Consumer Financial Protection Bureau. As a living breathing Man made flesh and Blood my Credit lies within the " Full Faith and Credit of the United States of America '' as they have made it illegal to possess lawful money. ( See : XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX Sec. 10, The Coinage Act 1972 Sec 11 & 20 ) These reports facilitate credit discrimination and deny access to the " Full Faith and Credit of The United States '' in violation of the " Equal Credit Opportunity Act. '' Could you please exercise your authority and instruct the subsidiaries and/or Agencies to reflect the " True Credit/unlimted Credit '' that all americans have to live " A Better Life Experience. '' Digital 850 as we rely solely on the legal process and the US Treasury Dept to make the payments on all Principal and Interest incurred by the public/private debts of the people. 

Thank You I appreciate your professional services and I look forward towards your quick and professional response.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is 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 2022-05-31
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. (OH)

I, XXXX XXXX am a victim of Fraud/Identity theft. XXXX continue to conspire with these companies who report information that's not accurate. 
These late payments, closed accounts, hard inquires. In accordance with fair credit Reporting act accounts XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/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 1681 Section 608/623 as well.

15 USC 1666A : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I, XXXX XXXX am a victim of Fraud/Identity theft. XXXX continue to conspire with these companies who report information that's not accurate. 
These late payments, closed accounts, hard inquires. In accordance with fair credit Reporting act accounts XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/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 1681 Section 608/623 as well.

15 USC 1666A : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (KS)

On or around XX/XX/2016 XXXX XXXX XXXX or XXXX XXXX, or XXXX XXXX XXXX XXXX XXXX, Accessed via XXXX XXXX XXXX XXXX, sensitive consumer data, upon collecting this data and information, someone claiming to be a 3rd party to my XXXX XXXX XXXX showed up and took pictures of my vehicle, inquired into my payment status, I spoke to USAA directly and made payment arrangements and was up to date on the payments after being late. Yet, someone accessed my consumer report, and was pretending to be a 3rd party representative of USAA and claimed to be there to take pictures for USAA in case they had to reposes the automobile. Upon asking USAA was informed they do not hire 3rd parties to go out to a consumer 's home and suggest the vehicle is going to be reposed, especially if they have provided confirmation numbers and statements contrary to such action. That person was not a 3rd party affiliate of USAA nor compensated by USAA to harass the consumer at XXXX XXXX XXXX XXXX XXXX ks XXXX.
Consumer complaint received 2024-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I sent a check by mail to XXXX XXXX XXXX XXXX department for a service I received. I sent a check form my bussiness account XXXX XXXXXXXX for the amount of {$1800.00} pay to the order of City of XXXX XXXX department XXXX. 
2 month later the city of XXXX send me a letter asking again for the payment I told them I mailed the check # XXXX on XXXX XXXX so they will look for that in their statements. 
2 months later they sned me agan the bill so I called them and They asked me for a n image of the check. I went to the wellsfargo office to requested an image they provided the image and I emailed back to the city of XXXX. 2 month later they asked me for a prove that the founds were withdraw from my account so agin went to Wells fagro where they printed an image of the check front and back and the informationabout when this check was deposited or cashed out the information is capture source XXXX paid on XXXX amount {$1800.00} I provided this information to the XXXX of XXXX but on XX/XX/XXXX they told me the y looked for the deposit and tehy cnat find it and they noticed that in the back on the check there is no endorsement so meaining that check cant be paid. but wells fargo withdraw the money form my account and now Wells fargo says tehy cna help me because the time frame to complain is only 30 days. I expalined the reason why took me too lomg to complain but they dont care, besides that I can not understand why they paid a check which doesnt have any endorsement? On This day XX/XX/XXXX Wells fargo called me to let me know that thay cna do anything because the claim was not made in the first 30 days ( I explained the reasons ) so I ask Whoi cashed the check they told me the check was deposit using an ATM but they dont know to which account was credit, so they know when, where was the deposit but they don t know to who? 
I requested the money back but they dont want to help me at all. 
attavhed are copies of the documents
Consumer complaint received 2022-12-19
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. (MA)

I'm upset with Equifax! There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer. 

XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.
Consumer complaint received 2019-11-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (NJ)

I was contacted by True Accord on XX/XX/2019 regarding a debt owed by my employer to XXXX for the amount of XXXX. When I contacted True Accord they indicated the debt was owed by me personally despite having my employers phone number and address. They never indicated the debt was owed by a corporate account and instead led me to believe I was personally responsible for the debt. I disputed the debt as an individual on XX/XX/2019. On XX/XX/2019 True Accord responded that the debt was indeed owed by me as an individual and provided supporting documentation provided to them by XXXX. Upon reviewing the supporting documentation all account information was listed under my employers name and not my name personally. I contacted True Accord on XX/XX/2019 to inform them that the information they had sent me indicated this was a business account debt and not an individual debt owed by me. I was told by the representative and their manager that they were only going to seek payment from me as an individual despite the supporting documents not having my name on them anywhere. They also indicated that they would not seek the payment from the organization whose debt the name was under. When I explained their supporting documentation did not indicate the debt was in my name they claimed they had no supporting documentation despite them sending it to me via email. When I provided the name of the individual who had verified the debt and sent the supporting documentation to me they claimed no such individual was employed at True Accord. When I inquired about my personal credit rating they indicated that XXXX would be showing up against my credit report. 

I then contacted XXXX directly who confirmed that the debt was not in my name personally and was indeed the debt of my employer and that the information they provided to True Accord indicated that it was not an individual debt. XXXX also indicated that the debt would not be levied against my personal credit rating and in fact their agency was one that did not show up on credit reports at all.
Consumer complaint received 2024-04-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Assistance Inc (CA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all XXXX credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.
Consumer complaint received 2023-10-17
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)

I submitted dispute with CFPB on XX/XX/24 for the following item : XXXX XXXX XXXX They have come back saying the information was verified I am now sending facts showing the inaccuracies with a copy of credit report. Simply stating that this is a verified account doesn't change the fact that I don't know what it is or why it is on my credit report! I need to see everything you've " verified '' with this account. This account was never legally investigated or verified. You're reporting false info. 

XXXX XXXX XXXX I was never late on this account, please send me the docs that prove that I was ever late, I cant figure out how you verified this late payment, when the only legal form of verification is the actual bank statement belonging to this company, Each bureau has different info in the historical payment data this is inaccurate and all lates need to be removed. How can the credit bureau claim information is verified when inaccuracies persist on the credit report? This raises questions about the effectiveness of their verification process and the need for transparency and accountability in credit reporting. At this point, I can't help but feel like I'm being discriminated against.
Consumer complaint received 2023-06-23
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. (FL)

I booked a flight from Florida to XXXX XXXX onXX/XX/XXXX I booked the flight as XXXX class because seats and luggage were included and paid extra. Chase booked me as XXXX XXXX so I had to purchase seats and luggage on my credit card. They sent me a letter saying it was their mistake onXX/XX/XXXX. I filed a dispute with Chase Travel right away. It has been almost 2 months and literally 15 hours on the phone including 5 hours in the office of my local branch manager and have still not resolved anything.
Consumer complaint received 2022-12-18
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. (NJ)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2019-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MD)

I contacted equifax trying to get the fraud alert off my account and the lady was very unprofessional and wouldnt let me speak to an American rep. And told me I need to mail in documentation but wouldnt tell me what documentation.