davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-21
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. (SC)

In accordance with the Fair Credit Reporting act XXXX  Account # 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 a account without my written instructions
Consumer complaint received 2022-07-25
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: JPMORGAN CHASE & CO. (NC)

I checked my credit report after getting a preapproval for a home loan in XXXX, XXXX and saw that there are numerous incorrect information on my report. There seems to be accounts that are business accounts that do not belong to me as well as charge offs and collections that are interfering with my going any further in obtaining a loan to purchase a home. I have tried numerously to call these companies within the last XXXX months and have not gotten anywhere. They are very rude and intimidating. JPMCB CARD told me that I had no choice but to make a payment to settle both of those business accounts listed only in efforts to solve this issue but now after I paid them in XXXX of XXXX, they told me that they will keep this on my report for 7 years anyway even though the accounts belong to a business and they do not have a contract signed by me for these accounts. 
The others, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are inquiries that I did not authorize and need to be removed. I am now aware that these are also a violation of consumer law 15 USC 168b. I have tried so hard to fix this problem with my credit report and I feel very helpless. This is causing me XXXX XXXX XXXX XXXX because I am not able to move any further. I am begging for someone to help me with this please.
Consumer complaint received 2022-05-21
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: Experian Information Solutions Inc. (TN)

I went to the car dealership and I only got approved for one car from XXXX XXXX. So I shuld only have the one inquiry from XXXX XXXX on my credit report that occured on XX/XX/2022. 
All of a sudden I have 20 inquires from car dealers across all 3 credit bureaus that I did not do. 

XXXX XXXX XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 Experian XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Experian XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XX/XX/2022 XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX XXXX  XXXX XXXX  XX/XX/2022 Experian XXXX XXXX XXXX  XX/XX/2022 XXXX
Consumer complaint received 2023-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

On numerous occasions I have looked at my account on line and everything is fine, this is usually after midnight.only to later in am to see that transactions posted the previous day, even though that same day they show no record of it online to me. This is a frequent thing. The date manipulation is a way of getting overdraft fees. Also I tried to find the rules governing my account on their website and they were not available to me. I have Truist bright checking. Contacted representative and they could not find it either until they did some research. It doesn't seem right that the rules of my account should be hidden away somewhere. Also I am not an original Truist customer, I am a transfer from SunTrust. This whole operation is questionable in my opinion. Yesterday I made an electronic deposit, to keep my account funded to cover bills. They deposited the funds then reversed them and put a 10 day hold on it calling it highly uncollectible. Each semester I put cash in to my daughter 's college account to cover costs and each semester she will get a refund check which she endorses to me. That's what these funds were. Also printed boldly across the front is the statement that you can call this number to verify funds and the telephone number. The reversal through me once again into a negative balance and set me up to receive overdraft fees. I am constantly seeing the manipulation of account to accrue fees. I thought something had been done to protect the consumer from these erroneous fees
Consumer complaint received 2022-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I went to the car dealership and I only got approved for one car from XXXX XXXX. So I shuld only have the one inquiry from XXXX XXXX on my credit report that occured on XX/XX/2022. 
All of a sudden I have 20 inquires from car dealers across all 3 credit bureaus that I did not do. 

XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2022 TransUnion XXXX XXXX XXXX XX/XX/2022 TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/2022 TransUnion XXXX XXXX XXXX  XX/XX/2022 TransUnion XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX XXXX  XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX  XX/XX/2022 TransUnion
Consumer complaint received 2022-09-23
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. (GA)

I began to work on my credit file last year when I noticed that several accounts were reporting negatively that I had no knowledge of. While I was able to rectify most of the accounts, one remains, which is the account reporting from XXXX XXXX. At the time this account was opened, I was federally incarcerated. It was clearly a case of identity theft. I provided not only the credit bureaus, but XXXX XXXX with a signed FTC fraud affidavit, an affidavit they required for their bank, my incarceration records, and a police report. 

It was not possible for me to apply for credit. I have tried without avail and demand that not only the credit bureau, but also XXXX XXXX remove this information as this is causing me great financial harm as I try to rebuild my life and future. Both are in violation of SEVERAL laws in regards to credit reporting.
Consumer complaint received 2022-05-21
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. (IL)

- 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. 


- 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. 

- 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. 

- 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. 


- 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 2022-05-21
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 with the Fair Credit Reporting act XXXX  Account # 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 a account without my written instructions
Consumer complaint received 2022-05-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NM)

A collection company " Portfolio Recovery Associates '' has illegally " re-aged '' a debt to XXXX and is inaccurately reporting the debt to XXXX, XXXX, and XXXX. 

I've repeatedly disputed the " age of first delinquency '' with the company and reporting agencies. The collection company merely replies that the information is accurate. The only result is a note attached to the collection in my credit report stating " Dispute resolved, customer disagrees. '' The collection company has yet to provide the " date of first delinquency '' to the reporting agencies. 

My consumer protection attorney advised me to file this complaint and contact the company before proceding further.
Consumer complaint received 2022-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NM)

A collection company " XXXX XXXX XXXX '' is reporting a debt that has exceeded the 7 year reporting window. I've disputed the age of the debt with all the three credit reporting agencies and requested the collection company report the " date of first delinquency '' to verify the age of the debt. The company merely replied that the information was accurate, without actually providing the true age of the debt. The dispute merely results in a note attached to the collection stating " Dispute resolved, customer disagrees. '' I believe this is a simple case of debt " re-aging '' and the collection agency is inaccurately reporting the debt.
Consumer complaint received 2022-05-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (NC)

A data breach within XXXXXXXX XXXX took place in early 2020 resulting in fraudulent activity using my social security number. I was notified of the breach but discovered my information had been used when a XXXX account was sent to collections and my credit report in the amount of {$4900.00}. I immediately called XXXX to dispute this and was told it would be investigated and taken care of. I attempted to file a police report but every city or county I called sent me to the next one. I am attaching a link with the data breach info as well as a screenshot of the debt on my credit report. 

https : XXXXXXXX XXXX
Consumer complaint received 2022-06-06
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. (MI)

In accordance with 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, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX BANK Account # XXXX, has viloated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has viloated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX XXXX XXXXccount # XXXX, has violated my rights. 
XXXX 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 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 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 inaccurate.
Consumer complaint received 2022-06-06
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX  Account # XXXX XXXX Account # XXXX USDOE/XXXX  Account # XXXXXXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX XXXXXXXX XXXX XXXX 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 2022-05-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (CA)

I received a {$100.00} XXXX XXXX gift card on XX/XX/XXXX. 
I did not open it until XX/XX/XXXX, when I wanted to purchase an item at a store. It did not work and so I went to the XXXX website and found that the new unopened gift card that I have in my hands was registered to someone else and purchases were made and there was a {$5.00} balance left. I contacted customer service on XX/XX/XXXX and faxed over the required documents to report a stolen card, front and back of gift card, activation status receipt, and driver 's license. They said they couldn't read the drivers license so I faxed it again on XX/XX/XXXX and I also sent a hard copy in the mail. I followed up and they said that there was nothing they could do because the receipt did not have a time or date. It is from a XXXXXXXX XXXX store # XXXX, located in XXXX XXXX, CA. It was a gift from a co-worker and that was the only receipt given to me with the card. 
I also have screenshots from the website of who the card was registered to and what and where their purchases were made. 

Attached are all the files that I sent to prepaidgiftbalance.com customer service.
Consumer complaint received 2022-06-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

I attempted to open an account with Santander bank on multiple occasions and was denied. I am an attorney with years of credit. I attempted to open on multiple occasions online and once in branch. Each time the statement was the same that " information could not be verified ''. In branch, the bank 's system shut down before a decision could be made, I was forced to reschedule, but then the bank insisted that I rectify the problem associated with my online denials before I come back. I attempted to do so by checking by credit reports and XXXX, but no discrepancy could be found. I reached out to the bank again and they dismissed me saying they have no control, it goes to a back office, and the back office frequently will not respond to inquiries about the reason for a denial, despite this being required under FCRA.
Consumer complaint received 2022-06-06
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. (AL)

I contacted the credit reporting agency about the account below and they have not investigated them for accuracy or legitimacy. This account is not mine.. The collection companies have provided no proof that these are mine. XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  Account No. 
XXXX Original Creditor XXXX XXXX  XXXX  XXXX  XXXX  XXXX XXXX Responsibility Individual Condition Derogatory Original Balance XXXX Balance XXXX Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX
Consumer complaint received 2022-06-06
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Vengroff Williams, Inc (PA)

On XX/XX/2022, I received a letter in the mail from Vengroff Williams , Inc alleging that I owed XXXX XXXXXXXX Pursuant to 15 U.S.C.1692g ( a ) ( 3 ) I am making it clear that I disagree with this alleged debt, and I am disputing the entire amount you claim I owe. 
Furthermore, all communication must cease. ( see attached ). 
Please keep in mind if this alleged debt was reported to any consumer reporting agencies, they must be deleted. As I gave your company no consent to disclose my personal information to any CRA 's.
Consumer complaint received 2022-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2021, XXXX XXXX XXXX appeared on my report with a balance of {$12000.00}. I submitted a report with CFPB case number XXXX and received the attached report from XXXX XXXX XXXX with no record of the account.
Consumer complaint received 2024-09-16
Product: Credit reporting 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. (NY)

My credit hasnt been showing since XXXX despite its been showing on XXXX  and transunion. Please look into this so u can be aware of whats is really my credit score
Consumer complaint received 2022-06-06
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 an account with Synchrony Bank. I am enrolled in " auto-pay ''. This past XXXX, I tried to change the amount and what happened was the auto-pay got cancelled. I did not know it got cancelled. 

I have been an on time payor. Synchrony has damaged my credit score by marking me with a 30 day LATE. In XXXX, XXXX and XXXX I did not receive a call or email, or mailing saying I was 30 days late. If I did I would have corrected it immediately. 

I spoke to them, 3 times, supervisors ' etc. I disputed the account with them while they investigated it. 

I just received a letter saying they will NOT remove the 30 day late. My credit score has plunged XXXX POINTS today. 

I made a double payment last month once I was the reduction in credit score. I have had problems with Synchrony in the past on another account and find them to be AWFUL and no leniency at all for any reason. 

Please assist me in restoring my good credit rate which was over XXXX. I regret I have to take these measures. I feel I have been grossly " mistreated by this company.
Consumer complaint received 2022-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - US SM BUS ADMIN XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : - US DEPT ED Account # XXXX - XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXccount # : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # 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.
Consumer complaint received 2022-06-06
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act U.S. Bankruptcy Court 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