davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report.XXXX {$0.00} XXXX {$44.00} XXXX {$19000.00} XXXX {$270.00} XXXX {$190.00} XXXX {$3500.00} XXXX {$1700.00} CHAPTERXXXXBANKRUPTCYDISMISSED
Consumer complaint received 2020-06-04
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)

These inquiries I did not authorize. 

Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX   XXXX XXXXXXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX0 XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX  Inquiry from XX/XX/XXXX Finance XXXX  XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from JXX/XX/XXXX Automotive XXXX   Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX  XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX XXXX from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX  Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Automotive XXXX  Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX  Auto Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX   XXXX I Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX  XXXX I Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX Inquiry from XX/XX/XXXX Finance XXXX  XXXX Inquiry from XX/XX/XXXX Credit Union XXXX Inquiry from XX/XX/XXXX Finance XXXX  XXXX I Inquiry from XX/XX/XXXX National Credit Cards/Airlines  XXXX  XXXX Inquiry from XX/XX/XXXX Bank
Consumer complaint received 2020-10-09
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: FIFTH THIRD FINANCIAL CORPORATION (OH)

I was never late on the account and they need to reference the Care Act 2020 for this account as well. Please provide the method if verification and all the parties involved with names, phones, e-mail ; dates, bank transactions etc ... 

Please proof I was late on this as account it reporting different on all three credit agencies. 

FIFTH THIRD BANK NA # XXXX
Consumer complaint received 2021-03-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NY)

I am deeply concerned and frustrated about an issue I am having with my CareCredit card payments. A few days ago, I made a purchase for {$1.00} on the card. When the charge posted, I tried to pay it. On three occasions now, I have tried to pay the balance. On each occasion, the payment has been cancelled by Synchrony, with them saying that my account has a {$0.00} balance and therefore a payment can not be processed. As you will see in the attached screenshots and email, that is not the case. When I called Synchrony, they told me it was because I had an open dispute that needed to be closed. This confused me because the last time I had a dispute was XX/XX/2020 and that was resolved. The rep, who claimed to be a manager, told me that he would close out the dispute and I could make a payment in 48 hours. After 48 hours, I tried to make another payment and received another email stating the payment has been cancelled for the same reason as before. I MUST BE ABLE TO MAKE PAYMENTS ON MY ACCOUNT TO ENSURE THAT IS DOES NOT GO PAST DUE. THIS IS A MAJOR PROBLEM AND MUST BE FIXED IMMEDIATELY. SYNCHRONY IS HARMING CUSTOMERS BY NOT ALLOWING PAYMENTS TO BE MADE.
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The accounts below are more than 8 years old and should be deleted from credit report. 

1. XXXX XXXX XXXX Last reported XX/XX/2020 {$4900.00} Reported balance 2. XXXX XXXX XXXX Last reported XX/XX/2020 {$26000.00} Reported balance 3. XXXX XXXX XXXX Last reported XX/XX/2020 {$3500.00} Reported balance
Consumer complaint received 2021-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

Consumer Financial Protection Bureau : I wish to dispute any and all association with XXXX XXXX credit account tied to my credit score. At no time have I ever had an account with XXXX XXXX, nor have I ever authorized anyone to open such an account. I humbly request that all references to this account, and the negative marks related to its delinquent status, be dissociated from any record of my credit history. 

I began checking my credit regularly several years ago after the report of a substantial data breach within the South Carolina Revenue Service. Using the XXXX XXXX app I noticed an account with XXXX XXXX was under my name. After beginning my investigation in earnest, my then wife and now ex-wife informed me she opened this unauthorized account. At no point did I ever receive a XXXX XXXX, a statement was never forwarded to me, nor did I ever make a single purchase using that account. 

I have contacted XXXX XXXX dozens of times informing them that this account was created without my consent. Protests have been filed and appeals have been submitted. The only XXXX XXXX associated with this account that I have ever seen is in the name of my ex-wife. I have never be in possession of a XXXX XXXX with my name on it, nor have I ever made a single purchase of any kind with such a card. Furthermore, I have produced the divorce documents stating that my ex-wife, ( name redacted per your request ) takes full responsibility for addressing the balance of the XXXX XXXX. This is account is NOT responsibility. 

I authorize your organization to do a full review of my credit history and consult with any and all of my other creditors. You will find no other late or delinquent accounts, nor any accounts that were ever late or delinquent. Actually, you will find that I have paid off every vehicle and or loan early. My mortgage has every so much as had a late payment of any kind. 

Please, I beg your agency to use a modicum of discernment regarding this circumstance. All logic points to the fact that this delinquent account is not mine. XXXX is engaged in character assassination of the most odious kind. I have thousands of dollars of debt in my name, all being serviced and reduced in accordance with the original terms agreed to with my creditors at the time each account was established.

A credit score is supposed to an attempt to accurately display a persons credit worthiness. Due to XXXX refusal to clear my name, even though they MUST know this is not my debt, it continues to negatively affect my good name. I ask that your agency correct this travesty by removing this erroneous information for the reporting of my credit history. 

I you will just give me the opportunity, I am will to speak to anyone, travel anywhere, supply documents, provide affidavits, etc. to clear my name and correct this injustice. 

Thank you for your consideration.
Consumer complaint received 2020-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (TN)

I received a letter from Chase dated XXXX XXXX which says they are decreasing my credit limit from {$14000.00} to {$7300.00} because they say I spent far below my available credit limit in the past 12 months. I have had this Visa account with Chase since XXXX. My credit score according to their mobile app is XXXX. This is absolutely ridiculous and could damage my credit score because I will now have less available credit limit to offset any balances. 
They provided no other reason. I have not been late on this account or over the limit and maintain a high credit score and have very little debt. When I contacted Chase I was told there was nothing I could do about it.
Consumer complaint received 2020-10-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Credit reporting agency will not remove this fraudulent account ( XXXX   XXXX XXXX $ ) This was a fraudulent account. I do not have XXXX,  this has been wiped off my report and continues to reappear even though I provide evidence that this was ID Theft. I will upload my report with the CFPB. I have disputed it a couple times each time submitted the pertinent information to prove it is ID Theft. The credit Bureaus will not remove it and continue to update the derogatory each month along with keeping the balance.
Consumer complaint received 2020-06-04
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. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 
XXXX {$0.00} XXXX {$5500.00} XXXX {$4900.00}
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

My identity has been compromised. I found out because credit karma sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
Consumer complaint received 2020-06-04
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. (AR)

My identity has been compromised. I found out because credit karma sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
Consumer complaint received 2020-10-09
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Franklin Collection Service, Inc. (CA)

Franklin Collection Services A representative of this company called a line that is not registered to my name or my spouse 's name. This was a family member 's phone number. We have never used that phone number for any of our contact information. The representative then failed to verify their identity via social security number as they did later when I called back. 

They then released all the information about the details about the debt to that family member. 

I was made aware of this today, XX/XX/2020, and I called Franklin Collection Services. I spoke with a supervisor who said they are not required to verify identity further than confirming their name. The supervisor said she would investigate the phone calls and listen to the specifics. I told them they had in fact released the information to a third party. I informed them I would file a complaint and contact an attorney about this breach of information. 

Harassing a family member and continually calling a line not associated with neither I or my spouse. 

Releasing personal financial information to a third party Failing to see anything wrong with the mistake.
Consumer complaint received 2022-12-30
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. (CA)

XXXX, XXXX, Transunion have incorrect information on my Credit Report that that needs to be deleted within 30 days, The Information belongs to someone else with a similar name i mailed them many time about this. The following info is the claim numbers that were givien to me when we filed the claim. They promised me it would be deleted in 30 days and gave me the following confirmation, they have not removed it within 30 days so thats what this complaint is for. 

DELETE THE FOLLOWING ACCOUNT, IT IS NOT MINE, IT BELONGS TO SOMEONE ELSE XXXX XXXX XXXX XXXXXXXX Last reported XX/XX/XXXX {$1900.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Transunion XXXX XXXX XXXX XXXX, pa XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Dispute reference # XXXX
Consumer complaint received 2022-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

A while back while attempting to raise my credit limit on my existing Bank of America accounts I was denied twice and sent a letter stating my accounts were not used enough. Since then I have prioritized using those accounts. XXXX attempted to open an new account that has popped up to me as a personally catered offer so that I can complete a balance transfer. I have been a customer with Bank of America for 10 years and have accepted a XXXX XXXX  member status. I also hold all my assets there and it is my primary wealth management institution. After filling out the application it was denied. I called the credit department and spoke with 3 different reps who told me they will not approve the application simply because the existing accounts are not used enough. I explained my situation to the rep with recently moving across country and having to pay off cards at other banks as well as told her that I have now been using those accounts since getting declined for limit increases. Additionally I mentioned I had a perfect credit score, no delinquencies, perfect payment record, and have been a long customer. I thought that transferring a balance in itself is activity. The rep did not want to hear me. I asked for a supervisor but instead was transferred to a dispute settlement person. After 20 minutes of hold he too was unable to approve the application and stated that they will not be extending any more credit to me than I alreafy have which is miniscule. I am a XXXX and make a significant income, pay all my bills, and am a perfect client. I feel I have been treated unfairly and disrespected today. Additionaly I now have an unnecessary inquiry on my credit report. I dont understand why they make personalized offers available to clients if after trying to use them you simply get declined.
Consumer complaint received 2023-03-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The J. G. Wentworth Company (PA)

I was lied to by JG Wentworth about debt settlement. They mask it as I was given misinformation about the debt settlement. I was supposed to have debt settled withing4-6 months and be clear in a year while paying down the program through them for 48 months. 

The reality is that I will be dealing with settlements for the next 3.5 YEARS!!! I would have never signed up for this scam if I knew that up front. 

Here is the email from them apologizing for " misinformation '' that has me completely ruined financially. 

Good afternoon, I do apologize for the misinformation you were given. It is 4 to 6 months, to get the first settlement. We were able to settle XXXX XXXX quickly because they dont require a delinquency period. The other ones do. Keep in mind, settlement eligibility varies depending on the creditor, account delinquency, the balances of your Enrolled Accounts and the amount youre contributing into the Program.

As we reach settlement with one of your creditors and begin making payments, it is expected with this program to need some time for funds to rebuild in your Dedicated Savings Account to negotiate your next settlement.

Our objective is to negotiate mutually agreeable resolutions between you and each of your creditors for the resolution of your unsecured debts. Our two part resolution process consists of ( 1 ) negotiating a lesser amount owed on the debt with a creditor ( 2 ) negotiating a term payment arrangement. Although terms vary per creditor, many will grant us a 12 or 24 month pay off arrangement. 



So, before we can present an offer, we must ensure that there is enough funds available in your dedicated savings account to cover the outgoing settlement payments owed to a creditor in the time allotted, in addition to our fee collection. 



If it is ever feasible, additional program deposits are encouraged, but not required. Additional funding in your dedicated savings account will help accelerate new settlements. 



If you have any additional questions, you can contact Client Services at XXXX. 

Thanks, XXXX XXXX. 

Client Services Debt Resolution The J.G. Wentworth Company XXXX XXXX XXXX, XXXX, PA XXXX P : ( XXXX ) XXXX F : ( XXXX ) XXXX www.jgwentworth.com
Consumer complaint received 2020-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL (FL)

I see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-10-19
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Regional Management Corporation (SC)

A collection agent from Regional Finance has been repeatedly and frequently calling and texting my phone attempting to collect on an alleged debt. They are also calling and harassing my sister about this debt and that's has been very embarrassing to me and my sister has told everyone in our family that I don't pay my bills and my debt collectors are harassing her. This is a serious invasion of my right to privacy and has been really stressful to me and causing me to have anxiety attacks. I am a XXXX XXXX XXXX XXXX woman with XXXX XXXX XXXX and regional finance has been violating Federal law FDCPA. I never gave them consent to contact me or my sister, they also sent me a letter stating I owed a debt along with other accusations. i have attached the threatening letter and date sent to me.
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MD)

Disputed Bankruptcy came back verified from Experian. 

US Bankruptcy courts state they do not provide anyone ( including credit bureaus ) any information.

Congress states an investigation consists of interviews with associates, neighbors and friends.

Experian did not do a proper investigation therefore how could this bankruptcy thats on my file be 100 % accurate and verified as the FCRA states it must be?

My consumers rights to fairness, accuracy and privacy are being violated.

Unrebutted Affidavit also attached and serves as Truth.
Consumer complaint received 2023-05-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc. (MO)

in accordance with the Fair Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account:13800XXXX Account : XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account:XXXX Has violated my rights. 
XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604nA 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. 168s-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 2020-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.