davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-22
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. (IN)

I, XXXX XXXX, sent an Affidavit of Truth to Transunion certified mailed ( XXXX ) and green receipt returned and signed. 

The affidavit of truth states that transition is in several violation of federal law 15 USC 1681b ( a ) ( 2 ). I never gave transunion consent to furnish items on my consumer report. 

Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device shall be excluded from a consumer report. Transunion is in direct violation and has violated my rights as a federal Protected consumer
Consumer complaint received 2022-01-03
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (MS)

On XX/XX/31, I visited TJ MAXX to purchase a few items. The cashier asked if I would like a TJ Maxx reward card that will also give me 10 % off my purchase. I agreed " thinking '' it was a " REWARD '' card where I earn points when or if I make any future purchases similar to a XXXX card. She asked for my ID and I provided it along with my debit card. When I made it home and checked my receipt, I noticed a credit card application. I called to speak to a manager because I didnt give consent to run my credit or have a need for a store credit card. The manager, XXXX XXXX, stated there was nothing she could do. I asked for her supervisor and she gave me a number to XXXX. This is illegal. This is an inquiry that will be on my credit report for 2 years for something I did not authorize. This was my XXXX time shopping at XXXX XXXX and I'm XXXX XXXX XXXX. Why would I need a credit card for this store. The cashier did not explain or ask permission to run my credit. This is very deceptive. She probably has a goal to reach and is using this practice to meet it. The manager didn't show any concern at all. I want this inquiry removed from my report and they can have this card because I'm not a regular customer and have no need for department store credit cards. I also know that you have to ask permission to run someone's credit and she did not. The word " credit card '' or " credit '' was not mentioned during this transaction.
Consumer complaint received 2022-02-11
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. (LA)

As of XX/XX/XXXX XXXX has placed a late payment on my account after being found guilty in court of being negligent. The settlement, announced XXXX XXXX, comes after allegations that XXXX used predatory and deceptive lending practices dating back to XXXX. The company was accused of pushing struggling borrowers further into debt by steering them into long-term forbearance programs that actually added more in interest to the overall loan balance ; and for claims that it lent predatory subprime loans to students attending for-profit and low-graduation-rate colleges where it knew these borrowers could likely not repay the loans. XXXX repeatedly and deliberately put profits ahead of its borrowersit engaged in deceptive and abusive practices, targeted students who it knew would struggle to pay loans back and placed an unfair burden on people trying to improve their lives through education.
Consumer complaint received 2021-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (AL)

Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Consumer complaint received 2022-06-09
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: EQUIFAX, INC. (IL)

I XXXX XXXX am submitting this complaint with no third party involvement. 

I submitted a complaint through the CFPB portal regarding Equifax violating serval of my rights as a consumer. 

Equifax is violation of 15 U.S Code 1681i ( 7 ) I, the consumer and affiant have the right to know the description of the method used to verify the information furnished on my consumer report.

Equifax is in violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) I have made Equifax aware that this information and accounts have not been verified and can not be accurate information. 

Equifax is still in violation of rights listed below : 15 USC 1681 ( 4 ) 15 USC 1681 ( b ) 15 USC 1681a ( 2 ) ( A ) ( i ) 15 USC 1681a ( 2 ) ( B ) 15 USC 1681a ( e ) 15 USC 1691 ( e ) 18 USC 1028A 18 USC 894 18 USC Chapter 96
Consumer complaint received 2022-05-13
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 (VA)

I logged into Synchrony 's website to check account balance and make a payment. Upon login I was presented with a prompt stating that my account had " incomplete information. '' There was only 1 available option to click so I did- which led me to review the information for my account. On the second page I see a prompt stating that my income is not updated. At that point my only option is to update my income or abandon the website. There was no option to update income later, or skip this step. 

This is NOT legal. Synchrony does not need my income for any purpose other than providing a credit line increase. My account is current - I have never had a late payment. 

This marketing gimmick prevents me from accessing my account unless I provide personal information which is not needed for account servicing and only used for additional marketing of products ( i.e., a credit line increase ). 

There is NO reason to block my account access. This is a text-book method of attempting to provide a service that the customer did not ask for- while simultaneously prohibiting access to my account which could result in a late payment. etc. 

This is Illegal Note in the screenshots below that Synchrony states and update is " REQUIRED '' in red menacing font. Once the customer chooses to see what they must update another prompt states that income is required. There is no other option.
Consumer complaint received 2021-03-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (UNITED STATES MINOR OUTLYING ISLANDS)

New mortgage servicer has all of my information wrong and refuses to correct it, or even call me back. The inaccuracies listed below are part of a open ticket # XXXX. I really don't see that its my fault that they do not know what they bought in my loan from XXXX. 

" Please update my account to the correct info. 

XXXX said they took the loan XXXX, I have a letter from XXXX saying it transfers on XX/XX/XXXX. 
The amount owed XXXX is showing is $ XXXX my loan remaining amount is roughly $ XXXX it shows I am accruing interest daily at the $ XXXX rate, possibly with late charges since XX/XX/XXXX, why? 

XXXX says XXXX payment hasn't been paid, I have paid both XXXX and XXXX payments early. 

My Insurance is prepaid for the year ( in full, XX/XX/XXXX ), so, why we are XXXX taking extra insurance for XXXX, as shown in Escrow breakdown? 

The info in account is in quite a poor state. Please let me know when all this will be fixed '' XXXX refuse to mail me back or call me. When I call in, the customer service rep has no clue about anything other than what's on his screen ( wrong information ) then, I'm on hold for a supervisor for over an hour then the phone hangs up before the Supervisor answers.
Consumer complaint received 2022-07-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (HI)

I received a statement in the mail from this " Credit Collection Services '' several months back so on the very first letter I immediately took action & called them I told them I did not recognize this account & it was not mine & they needed to stop harassing me & to cease & desist and whoever I spoke to on the phone apologized for their mistake & said they would remove this & not call me or mail me stuff anymore. I wish I would've gotten their name cuz I THOUGHT that was the end of it. A few months later I got something in the mail AGAIN, so I had to call a SECOND time & AGAIN whoever I spoke to on the phone said sorry for the inconvenience & that they would not be bothering me anymore. 
Now last night I get a notification from XXXX that I now have a collection on my credit report!!??? 
I DO NOT recognize " Credit Collection Services '' as an authorized creditor nor do I have any contract or agreement with them, unless they can produce an original instrument for what ever this so called debt they are trying to collect on from me in the amount of {$83.00} then this so called debt should be NULL & VOID. 
Produce an original instrument OR remove this harmful & false information from ALL credit reporting agencies which you have reported me to asap or I will be seeking any and all legal avenues & seeking compensation for financial damages.
Consumer complaint received 2023-07-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

My account had unauthorized access with unauthorized charges sent from my cash app account to individuals I do not know. Every time my husband would send money via cash app, for rent and bills, it would disappear. When it came time to make bill transactions, it was noticed the funds had been transferred to XXXX separate parties. When it was apparent my account got compromised, I was informed to request a refund from the party responsible that initiated the transfers, the request were declined after sitting a few days. The next step was to contact Cash App Support if responsible party did not cooperate with the request. When I did contact customer service of Cash App, the representative did not seem interested in the fraudulent activity despite having evidence to provide showing there has been unauthorized use on my account. When checking my security in the cash app account it was noticed and screen shot I had multiple unknown devices logged into my account, when there should only been an XXXX. It was also noticed I had security settings changed. With submission of the documentation and complaint, CASH APP did nothing to secure my monies and responded at a later date with a few different responses. The responses were I knew the person which no I do not, and then I received a second notice stating it was denied because I never responded. Responded to what? I sent all documentation and proofs of fraudulent activity yet, they still will not take responsibility for my stolen money. Cash App is advertising they are an FDIC bank. When bringing to Cash Apps attention about being an FDIC entity, & should be covered as a customer to this sort of activity, their response was theres nothing they can do about my account being compromised. So it appears to me Cash App is falsely advertising & representing there customers as FDIC insured. I had {$1000.00} stolen from my account for bills, Cash App is letting the fraudsters get away with it stating I know the people. They will not take any other action despite the proofs of evidence that I do not. What do I do?? Cash App is just as guilty as the parties responsible for just overlooking the situation entirely and making an excuse to not be responsible for the theft. How can they represent themselves as FDIC but dont back it in the times their business failed a customers protection. Please let me know what I can do to get my money back.
Consumer complaint received 2021-03-25
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: Fidelity National Information Services, Inc. (FNIS) (NY)

There is a fraudulent bank account that is reporting on my XXXX and Chex reports. I have viewed my reports and I have never opened this fraudulent account. This account has destroyed my ability to create relationships with new banks and is hurting me in ways unimaginable. It is extremely unfair that I have to deal with this when the fault is not my own. As a consumer reporting agency, you too fall under the laws of the Fair Credit Reporting Act. I am enacting my consumer rights by disputing this fraudulent information. According to section 605 B of the Fair credit reporting act, this account must be removed from my consumer report immediately. Failure to comply will be seen as an illegal act under FEDERAL LAW.
Consumer complaint received 2018-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX : XXXX XXXX XXXX   Dear Credit Bureaus, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I HAVE INCLUDED DOCUMENTS OF PROOF ABOUT THIS COMPANIES ERRORS, AS THEY HAVE IGNORED MY DISPUTES FOR NEW REPORTING OR DELETION.

1 ) THE BALANCE IS INCORRECT : I HAVE ENCLOSED THE CORRECT BALANCE PROVIDED FORM THE COMPANY AND YOU CAN SEE ITS WRONG ON MY CREDIT REPORT 2 )  THEY HAVE REFUSED TO REMOVE MY LATE PAYMENTS ( WHICH WERE LATE DUE TO AN ERROR ON THEIR REPORTING SYSTEM ) EVEN THOUGH THEY VERBALLY SAID THEY WOULD. I WAS PROVIDED A REFRENCE # ON XX/XX/XXXX 3 ) AS OF XX/XX/XXXX THEY REPORTED I OWED THEM {$0.00}, WHICH WAS TRUE, THEN LESS THAN ONE MONTH LATER ON A CLOSED PREPAID ACCOUNT I SOMEHOW INCRUED {$140.00} OF CHARGES? INCORRECT REPORTING MONTH AFTER MONTH ON MY CREDIT REPORTS 4 )  KNOWINGLY REPORTING INNCORECTLY AGAINST ME I am distressed that you have included the ABOVE information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum accuracy in the credit reports you publish. BECAUSE OF THEIR NEGLIGENCE, XXXX XXXX CLOSED MY CREDIT ACCOUNT WITH A LIMIT OF {$1500.00} WHICH HAD A {$0.00} BALANCE. CITING RECENT NEGATIVE REPORTING AGAINST ME ON MY CREDIT REPORTS. THIS IS DIRECTLY BECAUSE OF XXXX   XXXX  INNACURATE REPORTING OF MY ACCOUNT WITH THEM. 

I respectfully request to have all negative information they reported against me removed and the late marks must be deleted from all 3 bureaus reports as soon as possible : 60 days past due and the 2 months of late payments and the balance I do not have reported as {$0.00}. Which is incorrect as they actually owe me {$200.00}, as it was a secured card and I made all the payments in full and on time every month this card was open. This item is completely inaccurate and incomplete and is a very serious error in reporting. Please supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber you notified to me within 15 days. 

Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX
Consumer complaint received 2022-07-28
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. (TX)

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-01-06
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. (GA)

TransUnion is reporting inaccurate and incomplete credit information. The credit report you provided shows a history of payment or payments being made late that are not proven and are incorrect. I demand that you -- as REQUIRED BY MY STATES LAWS and also by the FEDERAL LAWS that govern your behavior while dealing with consumer reports to include your RECEIPT and or your REPORTING of them, to fully document in testimony to every single one even each any and or all of the facts related to this allegation withstanding none. 
I have contacted the creditor and they have stated that they are unable at this time to document these payment irregularities, by omission the creditor is in direct violation of the FCRA-tort law example : XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. I demand that you take action to correct your errors. I request that you provide me with written documentation of how and what means you used to verify these payments. 
Under the terms of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), I am exercising my rights and formally request that you provide a COMPLETE amended copy of my credit report when your investigation is completed for my records showing that these late payments have been removed. Please re-investigate the accusations that are detailed below and ensure the precise facts to each and all are, as mandated, completely true, whole, correct, not outdated, specific, purposeful, mine, and adequately compliant to any and all obligations of your reporting bar none. 

Creditor : XXXX XXXX XXXX XXXX Account # : XXXX Late Payment Date : XX/XX/XXXX Late Payment Date I was not a total of 30 days late from the due date in XXXX. 
Please correct the payment status for account****XXXX to report ON-TIME and/or CURRENT payment in XXXX. 
If not physically irrefutable you are not authorized to retain or report these allegations so annul in brief today even right now or certificate that your testimony proves compliance and accuracy of every and one even each any and all OF THE data aspects. I demand that you return to or retain compliance as mandated and do so without injury AND or prejudices towards me now or thereafter.
Consumer complaint received 2022-07-14
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX
Consumer complaint received 2022-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello, my online XXXX Bank of America ( BofA ) account was broken on XX/XX/XXXX and {$4900.00} were transferred to a hacker account. 
I called to XXXX BofA customer service earlier, on XX/XX/XXXX, when found a strange message on my phone. I asked to check if everything is right with my account. Customer service representative assured me that everything is good. 
The claim was opened on XX/XX/XXXX. BofA put a credit of {$4900.00} on XX/XX/XXXX. 
I received a letter from BofA that my account was frozen on behalf XXXX on XX/XX/XXXX. XXXX denies that they asked BofA to freeze my account. 
Then I received another letter from BofA dated XX/XX/XXXX telling that my claim was denied because BofA could not revert the money. BofA offered me contact the hacker personally to return the money. BofA wants the credited money back together with all fees related to this investigation. Debt agency already started call me. 

BofA does not want to communicate.
Consumer complaint received 2021-01-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2021-04-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX Transunion XXXX XXXX XXXX XXXX has been adding a collections to my credit report that I have provided proof to not belonging to myself, but belonging to my ex husband. I have not and am not involved with him or his responsibilities and the credit reporting agencies have failed to update my report based on the repetitive reporting from flagship I have a court order also reflecting that.