davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-21
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. (MN)

n 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 XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXX  : XXXX, 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 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 2019-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (CA)

I have. A discover card. That I recently found out had unauthorized charges. ( I became sick and unable to focus on bills - billing statements still actively closed in envelopes proving I had not seen any statements ) it did take. Awhile for me to report but this was due to me just finding out. Im being helps liable for unauthorized charges and being forced to pay for these unauthorized charges. 
I had no idea this occurred and when I became aware I reported it and told them I had not seen statements to know. 
They keep insisting Im liable due to their speculations and false accusations without objective proof basing everything on what could have happened what I couldve done. Falsely accusing me of doing this without objective proof making me feel like I need to defend myself from them placing me in a position of defending myself as if Im a criminal. 
It is I believe their join to help customers not use everything to pin charges on them because they cant find anyone to blame. 
Im being forced to pay for unauthorized charges. And when resolving dispute they said they resolved dispute. They did not Resolving a  dispute between customer n creditor involves a resolution between parities. This is not resolved to me. Or when I received a letter they stated they needed more information without speaking to me same day they sent a. Letter saying they concluded the investigation. And holding me liable. 
Essentially the dispute was not handled properly or timely. Please call me for more info pleas e. 
Discover falsely accused customers and makes the. Believe they did something wrong putting the. In a defensive mode as if they have to figure out how to be detectives and forced to accept liability for unauthorized charges. 
I regret this card. Please do not get Discover card.
Consumer complaint received 2019-09-20
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. (WY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following company : 1. XXXX XXXX XXXX XXXX   XXXX  , MD XXXX ( XXXX ) XXXX Made by : XXXX  XXXX XXXX XXXX  XXXX , MD XXXX ( XXXX ) XXXX 2. XXXX XXXX   XXXX, FL XXXX ( XXXX ) XXXX I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature. I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. ( XXXX ) XXXX XXXX
Consumer complaint received 2021-08-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (OH)

The debt was submitted to the CFPB for harrasment, After a long drawn out sitiuation the synchrony bank represented by XXXX XXXX agreed for a settlement of {$230.00} which was paid by cheque as a settlement for accounts written on her letterhead as accounts XXXXand accounts XXXX. 
This payment was in full and final settlement. 
The bank is now claiming one account was paid and the other still owes. 
This is a misrepresentation and is untrue. 
I would not have paid for only half a settlement.
Consumer complaint received 2021-05-29
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: LoanCare, LLC (NY)

The following accounts was never authorized to report on my credit report and is hurting me from obtaining any posable credit out there. Please see below the list of accounts reporting on my report that should not be reporting on my report : 1. Identity Theft LOANCARE LLC Account Number : XXXX**** This is not mine.

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX**** This is not mine.

3. Identity Theft XXXX  Date of inquiry :XX/XX/XXXX Please remove it from my credit report.

4. Identity Theft XXXX/XXXX  Date of inquiry :XX/XX/XXXX Please remove it from my credit report.

5. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

6. Identity Theft XXXX XXXX Date of inquiry :XX/XX/XXXXThis is not mine.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NM)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2021-08-09
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. (FL)

I have attached an account reporting to all three of my credit bureaus inaccurately, and per the FCRA anything reporting to all three of my credit bureaus should be reported 100 % accurate. I have attached a picture of the account with the highlighted discrepancies. Please delete this account asap.
Consumer complaint received 2021-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

Hello I am writing in regards to my capital one checking account I recently open this account on XX/XX/XXXX and when I did I funded it with two {$25.00} deposits from my current checking account via ACH in this transaction is still yet to post into my checking account. I check it every day and each day I check it it still shows as processing or pending in the savings account does not even show the {$25.00} ACH anymore. I have confirmed with my current bank that the funds have left their institution. I called capital one three times to try and resolve this the first time I was told that I needed to verify two deposits that were made into my current checking account one was in the amount of {$.00} and the second was in the amount of {$.00} I verified the deposits over the phone with the representative I was speaking with and she told me that the funds with now post into my account within 1 to 3 business days. Its been three business days since that phone call so yesterday I called and spoke to a representative her name was XXXX and asked where my deposit was and she said that she could not see the deposit at all. I again told her I can see it on my end its worrisome that you can not see it in yours. At that point I requested to speak with a supervisor or manager and she stated to me that her name again was XXXX and she was actually a supervisor on duty. Again this is very concerning to me as myself being a consumer and having access to my app and being able to view the deposit is processing and her being a supervisor within the financial institution supposedly posting this transaction who is unable to locate it. I have also sent emails to the executive office I have tried reaching out to their CEO and their chair people and no one has responded to my emails. I did advise in my email that if no one made contact with me I would be pursuing a complaint with their regulators and still no one had the courtesy to reach out. I know the deposit is only {$25.00} but the fact that no one can find it is alarming because I have my direct deposit set to go into these accounts I also wanted to have a relationship with the company that I have credit cards with thinking it would be best. But I am now questioning my decision.
Consumer complaint received 2024-09-03
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PLANET HOME LENDING, LLC (UT)

This account was never past due. Originally serviced by XXXX, was always in forbearance. After was serviced by Planet Home Lending. We extended forbearance until it was transferred to XXXX  end of XXXX XXXX. Made first payment on XX/XX/XXXX before it was due in XX/XX/XXXX
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. 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 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (GA)

After being drastically impacted by the XXXX XXXXXXXX pandemic. I reached out to Exeter regarding my auto loan. They offered to place me on a payment plan which I honored. However the system still reported me as late to the credit bureau 's. After speaking with Exeter they advised me this was systematic understanding my concerns but stating that nothing could be done. This is a violation of the Fair Credit Reporting Act. Therefore I'm seeking the removal of the following late payments XXXX & XX/XX/2021.
Consumer complaint received 2019-09-20
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. (VA)

To whom it may concern, I'm writing this letter to request that the charged off XXXX XXXX Business Credit Card ( Account # XXXX ) be removed from my personal credit file based on the following : - Business credit is in fact separate from personal credit. Therefore, the two should not be in one file. 
- To the best of my knowledge, I've never been given an opportunity in writing to dispute the debt ( e.g. interest charges, other charges etc. ) nor that this business credit account would be appearing in my personal credit file. 
- On XX/XX/2016 I'd began living in XXXX, and was not in XXXX to receive any mail by US mail. My address at the time was XXXX XXXX XXXX XXXX XXXX  XXXX. I have attached documentation as proof. Since I wasn't there, there is no guarantee that I could have even gotten any more or that it wasn't intercepted by someone else like my ex-wife. 
- By the time I found out about this, it was certainly already too late. 
- Since that time, I have actively been working with XXXX XXXX to resolve the matter of this debt. The card had a high balance of approximately {$9800.00}. I have paid most of this debt to date, leaving a balance of just {$1400.00}.
Consumer complaint received 2019-09-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

I currently have a 5 year ARM mortgage and a HELOC with Santander Bank. I owe {$710000.00} on the mortgage and have accessed {$260000.00} of a $ XXXX HELOC. In XXXX of this year I applied to XXXX XXXX XXXX to get an interest only mortgage for {$980000.00} - this amount being the balance on my mortgage in addition to the HELOC balance. I was granted the interest only mortgage. I called Santander bank to tell them I was doing this which they told me was OK. I wanted to keep the HELOC open. I asked them for written approval to which they said 'It 's OK you are on a recorded line '. I relayed that information to XXXX  XXXX XXXX who subsequently started the mortgage subordination process. Five months later we are still awaiting approval at Santander. I have been in regular touch w XXXX who tell me that Santander are deliberately holding this up against my will and are not responding per guidelines. I have called the Santander subordination team on multiple occasions who tell me this is awaiting approval with the underwriter. Meanwhile it is likely XXXX XXXX XXXX will not be able to match the terms they previously granted me so I am officially lodging this complaint.
Consumer complaint received 2019-09-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

I was cleared of a debt by XXXX XXXX through court. The other party that was on the loan took me to court and ended up being responsible for the debt. I sent Equifax a letter from XXXX showing that I no longer owe the debt and Equifax will nt remove it. There are a lot of things that do not belong to me on my Equifax report and it is ruining me from purchacing a home for my kids and I I have done all I can and even file a ID theft report and sent in to Equifax and they still will not remove that and several other things from my report. 

Also all 3 credit bureaus are reporting lower scores than I actually have and that is another thing that is stopping me from a home purchase I am a single parent and I worked hard to get my cerdit on track for this home purchase and now I an being denied due to inaccuries on my credit reports
Consumer complaint received 2019-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NJ)

Lived at the same address for 7 years, do not have any alerts/restrictions on my Experian credit report. Have been obtaining my report on a yearly basis with no issues. Just recently ordered my report through both XXXX and XXXX without any issues. However, having an issue ordering my Experian report through the automated system. I should be able to receive my once yearly report now.
Consumer complaint received 2019-09-20
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. (AZ)

The company has reported an account for a XXXX overpayment that I wasnt aware of as a charge off /collection /never late /paid in full I have reached out to the dept of edu and was advised the account was received in there office on XX/XX/XXXX and a letter was sent to me I didnt receive a welcome letter from them until XXXX in which I called and arranged to pay them in full on XX/XX/19 which I successfully did. This account was not on my CBR prior to me paying them it poppped up on my CBR XX/XX/XXXX with the above verbiage I reached out to the company and asked for them to correct it and they requested me to go out my way even though its there mistake to dispute it with there company I clearly asked why was it reported as a charge off and the account was only opened on XX/XX/XXXX which doesnt qualify for a charge off reporting given a acccount must be at a minimum of 120days delinquent the representatives flat out refused to correct it one supervisor put me on mute and refused to answer me to where I eventually hung up and called back and spoke to XXXX agent Id XXXX who informed me only one supervisor noted the account which is a error because I spoke with two supervisor prior to him and three regular agents I asked for him to send me all letters on my account in which he denied me and advised I had to submit request in writing but the first supervisor I spoke to was willing to resend
Consumer complaint received 2019-09-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

This company has called me on multiple occasions and every time I answer it is nothing but problems. They told me I " better go ahead and pay it before they start calling my employer ''. XXXX XXXX told me he was in process of " clicking the button right now '' if I don't pay it. Later when I spoke with someone else they said my account was safe until the end of the month so XXXX was just manipulating me. They have spoken to me about my account multiple times without verifying me or reading me a mini XXXX. There are several other things that have happened but I'm sure if you listened to the recorded calls you would see a million red flags. One person told me " the law requires him to report this to my credit '' We have had multiple phone calls.
Consumer complaint received 2021-05-28
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. (GA)

Ive been a victim of identity theft.. Ive sent in numerous FTC reports and 605b to XXXX Transunion & XXXX XXXX XXXX has blocked/deleted all fraudulent information from my account. For some reason XXXX and Transunion says its been verified. Per fcra only true and accurate information should be reporting to my account. Per fcra 605b information should be blocked from my report with 4 days. But Transunion and XXXX  are ignoring the rules/ laws of fcra. It seems as if I will have to consult legal counsel.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-03-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc. (GA)

In XXXX crypto.com sent me an email regarding my visa card transactions, they asked me to send them information such as bank statements, proof of income, and explain my transactions. I responded to the request on XX/XX/XXXX. On XX/XX/XXXX my account was locked, and i was informed by rep that it was due to me not responding to the email in XXXX ( i have proof that i responded ) so now my crypto and my XXXX money that was sent to my account via ACH bank transfer, have been held hostage by crypto.com since the XXXX of XXXX. Since then I have communicated with a " special team '' via email and they keep asking for more personal information and asking for evidence of how I spend my transactions. I've given them everything they needed and my funds over {$7000.00} have not been released. I've requested for them to outline the steps to release my funds and close the account and I have not gotten a response from the " special team '' since XX/XX/XXXX. They seem to be getting more quiet and less commination is happening after i have expressed how uncomfortable and frightened i am.
Consumer complaint received 2021-09-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (IN)

This number keeps calling about a family member that does not even live with me. After repeatedly telling them they do not live with me, they continue to call and call all of my other relatives. It is predatory and must stop!!! They are calling on some made up charge for the wrong person even.