davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-25
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: EQUIFAX, INC. (FL)

I XXXX XXXX hereby makes a request for assistance with Equifax Information Services LLC, as there is a lock on my credit report with this bureau, and only with this bureau. The reason being that my daughter XXXX XXXX has her social security number applied to my Equifax report. A similar problem did exist with my daughter, where my social security number was tied to her credit bureaus, especially Equifax, but has since been resolved. Accordingly, I need any connection to my daughter removed from my Equifax report, and the lock on my credit report to be removed immediately. I am trying to purchase a new car, and the fraud alert on my Equifax report is holding up hat process. Please remove the fraud alert from my Equifax report permanently and remove any connection to my daughter XXXX XXXX. 
Thank you. 

XXXX XXXX
Consumer complaint received 2022-04-25
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. (MI)

I have disputed 2 accounts that are listed on my credit report for 6 months. 

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX XXXX 
{$420.00} XXXX, XXXX and Transunion fail to provide actual legitimate verification. 

Please provide the bill of sale/transfer related to this debt. 

This reported account is inaccurate and can not be substantiated.
Consumer complaint received 2022-04-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I received 2 alerts, one from XXXX  XXXX and one from Bank of America that these establishments pulled my credit. Bank of America did an inquiry on XX/XX/2022, XXXX XXXX did an inquiry on XX/XX/2022. I am not applying for any new credit so I believe someone is trying to open accounts in my name. I got the run around by both banks, transferring my to department after department until the last department said their offices are closed until Monday XX/XX/2022. I will contact the credit bureaus tomorrow, Monday XX/XX/2022 to file a dispute and possibly freeze my credit
Consumer complaint received 2023-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (MT)

I got a Paypal Mastercard ( from Synchrony Bank ) at the end of XXXX ( 2 months ago ), solely because of their attractive cashback program. Last week, when the card was suddenly declined, I discovered that Synchrony had closed the card due to me being " an extreme credit risk '', which was a fraudulent act to begin with. I am the farthest thing from an extreme credit risk - not only did the card only have a $ XXXX limit, the paypal account it was attached to had usually had $ 20k-40k in it for at least a decade now. And in my credit history the payment history on my last card was $ 20k- $ 40k a month paid in full without fail for at least a decade now. My credit rating is typically around 700.

Since it happened so quick, it's obvious that they're doing a monthly review of cashback accounts, finding the ones that are costing them money ( like me ), and then closing them under false pretenses. Complete cheating and false advertising, maybe not XXXX XXXX level but seems to me to be same concept. 

so I was going to file a complaint about this anyhow, as the research I did about Synchrony Bank ahead of time had a strong " caveat emptor '' flavor to it and people like this need to be exposed. 

BUT, it got worse - yesterday I went to pay off my remaining balance, partially using the {$700.00} in cash back credit I had built up in the last 2 months, but lo and behold, the cash back credit ( the only reason I got this card ) is gone. A quick call to Synchrony revealed that card terms include forfeiting any accumulated cash back if the account is closed for any reason. I've attached a screenshot of the cashback rewards summary on the paypal site- {$0.00} available, but a lifetime ( last two months ) of {$690.00} that I was not able so use until they revoked it. 

so there's your fraud, wrapped up in a neat bow - I got a card because of the cashback offer, I use it too well so they close the account for a fraudulent reason, and they then proceed to confiscate the rewards they gave me for using the cashback program. If that's not a scam then I don't know what is. 

I am 100 % willing to participate in any kind of class action suit or mass complaint against this company - obviously they're not going to stop misleading consumers unless there is some kind of tangible disincentive.
Consumer complaint received 2022-04-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (GA)

Some one call trying to collect money did not State who they were. Asking for unauthorized info. I felt threaten and ask them not to contact me again. I have no idea about this matter I will start l legal procedure if continue.
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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

This is in regards to account resolution still being reported on my credit report. There are 2 accounts being reported on my credit report with this company and equifax has chosen to continue to violate my rights by furnishing this account after I have asked them to delete. They violated my rights and I am wanting this account to be removed. Both accounts. First I did not give XXXX XXXXXXXX my written instructions to furnish my account. Accoring to 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. It is clear as day yet still being reported. Also, this account is not a judgement or conviction and any other type of settlement that has involved the courts. Now according to 15 U.S.C. 1681 c. ( 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. Clear Violation. This account needs to be deleted. This is clear as day and needs to be deleted. I am not understanding why Equifax is not actually doing their due diligence and treating my consumer report with fairness. They have refused to deleted these accounts and I am actually over it. If these accounts are not deleted after these clear violations have been seen and established next step is to take this to court. Please do your due diligence and look at account resolution and see the violations and delete items. This item was also deleted from XXXX which means that this account should match across all 3 if being reported to all 3 but yet Equifax has chosen to ignore my proof. I am not asking for verification. I do not need this information verified. I need this account to be looked at and seen that they have violated. EQUIFAX AND XXXX XXXX have both violated me.
Consumer complaint received 2021-06-03
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX I had entered directly into a payment agreement with XXXX XXXXXXXX as my account was 30 days past due, and I was promised that my account would not be reported any longer as late or past due amounts to the credit reporting agencies as long as I was in the program. The account should not and never have been reported as late as of and after XX/XX/XXXX. The account was NOT charged off and I had paid as agreed and paid the amount in full prior to the end of the payment agreement program. 

On XX/XX/XXXX XXXX XXXX had sent me a letter explaining that they would " re-age '' the account after the past due balance was paid. It is my understanding that RE-AGAING is ILLEGAL, and that they had promised me and also written such terms to me that they may not have legally been able to provide to force me to pay the debt. 

In a prior dispute in XX/XX/XXXX, XXXX XXXX was found to be reporting the incorrect information and they were only able to go back according to XXXX XXXX for one year in their records to correct the late payments that they had promised me they would remove via multiple phone calls. The credit report was corrected with XXXX XXXX reporting of inaccurate information, but the reporting of incorrect information was still not accurately reported. I have sent multiple letters to XXXX XXXX and they have reported incorrect information and illegally promised me to re-age.
Consumer complaint received 2021-06-03
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. (IL)

I have been a consumer of XXXX XXXX for over 3 years. I have never been delinquent, and always in good standard. XXXX XXXX I became very ILL. I went to my doctor and was diagnosed with XXXX and Hospitalized through XXXX. During my Hospitalization I was fighting was my life and unable to handle my affairs. Once I recovered I contacted XXXX  and paid the account of XXXX XX/XX/2021 bringing it to XXXX bal, and they sent Me a paid balance in full letter, but reported Me to the Credit Bureau as delinquent. I wrote them a write letter and email them twice in their online message center regarding my battle with XXXX and being hospitalized. I requested from them due to such unfortunate situation being out of my control would they make a good will gesture on my behalf and bring my account current. They denied Me. This is affecting my livelihood, because I am trying to gain housing for myself and my XXXX XXXX XXXX son and this is the only account on my Bureau reflecting delinquent. They have shown Me No Compassion under the circumstances and I have all documents to prove my case. PLEASE HELP ME to ha e this delinquent reporting pulled from My Credit Bureau. Thank You!
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

I have an active XXXX account that has been in good standing for 13 years which was previously being reported but now its not. Ive contacted the credit bureaus as well as XXXX. But my issue has never been resolved its been about 2 years.
Consumer complaint received 2023-02-01
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)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-26
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. (CA)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX from 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. 

I have asked XXXX, and Transunion for proof that this Financial credit network account belongs on my credit file, with absolutely Blatant disregard, I have disputed this item several times and it comes back as verified, Updated, Contact the furnisher or Frivolous. 
I sent them a letter requesting paper work that led them to adding this to my file over 90 days ago with no response. 
They have blatantly disregarded my request i have noticed that XXXX XXXX and Transunion feel as if they are above the law. 
luckily I kept PDF copies of the 609 letter i sent to XXXX XXXX XXXX with a response telling me to provide a copy of my Id and social after that no more responses. I have tried calling XXXX XXXX network and they are very rude and mean. and just tell me they are going to sue me and take all my earnings. 
so my question is if I cant get propper validation from XXXX XXXX XXXX and the 3 credit bureaus can not show me proper validation how is this still on my credit file? 
I would really aprerciate the CFPB 's help with this matter
Consumer complaint received 2021-06-02
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: ENCORE CAPITAL GROUP INC. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ... MIDLAND FUND ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ... XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX  XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have an active XXXX account that has been in good standing for 13 years which was previously being reported but now its not. Ive contacted the credit bureaus as well as XXXX. But my issue has never been resolved its been about 2 years.
Consumer complaint received 2024-11-04
Product: Credit reporting 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. (FL)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2021-01-25
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc. (CT)

GM Financial is currently reporting me as " late '' on my credit bureau. I have yet to receive a final bill in the mail, my lease ended XX/XX/XXXX. Somehow, even though I have made the 39 payments and turned in the vehicle, they are still reporting me as XX/XX/XXXX days late and ruining my credit.
Consumer complaint received 2021-06-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (OH)

I made application with Wells Fargo Home Mortgage for a refinance mortgage transaction in XXXX of XXXX. I locked my rate at the time of application and submitted all requested documents. My current mortgage is with Wells Fargo Home Mortgage and was refinancing to reduce the interest rate on the loan. Months have past and I have been required to resubmit documentation a total of 3 times as they claim the info continues to expire as a result of not being dealt with in a timely fashion by Well Fargo. I registered a complain with them in Mid XXXX upon receipt of an additional request once again for the same documents just in a updated status. I explained that I have provided the same requested info 4 times now, bank statements, pay stubs, and additional documents over and over. They then issued and overnighted a letter to my property address which is my second home and not my primary residence of which they are aware of stating that they were in receipt of my complaint and will begin working on it only to receive a letter of denial of my loan. I am self employed and have owned my company since XXXX. Nothing has changed in regards to my income or company status and I feel that this loan was denied in direct retaliation for me registering a complaint about the 6 month processing time for a simple refinance. They have never appeared to know what was going on with the transaction, my current loan with them is seasoned for 3 plus years with never a late payment made and the treatment that I have received from Wells Fargo Home Mortgage is truly unbelievable and unfair business practices at its finest.
Consumer complaint received 2023-02-27
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)

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 # XXXX Balance Owed {$5500.00} Account # XXXX Balance Owed {$5500.00} Account # XXXX /Balance Owed {$5500.00} Account name : XXXX Account # XXXX Balance Owed {$7900.00} Account # XXXX Balance Owed {$7900.00} Account # XXXX Balance Owed {$7900.00} Account name : XXXX Account # XXXX Balance Owed {$0.00} Account # XXXX Balance Owed {$0.00} Account name : XXXX Account # XXXX Owed {$120.00} Account name : XXXX XXXX Account # XXXX XXXX Balance Owed {$110.00} Account # XXXX Owed {$110.00} Account # XXXX Owed {$110.00} Account name : XXXX XXXX XXXX  Account # XXXX Balance Owed {$3500.00}, 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 2021-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

I noticed a charge from XXXX XXXX XXXX dated XX/XX/2021 - I contacted Capital One regarding this. The agent stopped my card and sent a new one to me ( which I now have as of today, just need to activate ). 

The agent did not perform a Regulation E Error Resolution, rather just stopped the card. I know of this due to the fact I had not heard back from Capital One. I contact Capital One again yesterday XXXX XX/XX/XXXX XXXX to see if there was an update on the investigation or if they have issued any credit. The first agent that I reported the activity to had not informed me to provide a written statement in order to receive a provisional credit. 

The agent on the second call XXXX XX/XX/XXXX XXXX informed me she would begin the investigation process and issues a provisional credit. 

I was under the impression this process was started and would be resolved. I would have resolved this myself, however XXXX XXXX XXXX was sending me directly to the XXXX Texas location which I had no visited in months. I do not recognize the charge and have not authorized anything lately for XXXX on my Capital One Card.
Consumer complaint received 2022-04-25
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. (PA)

I am a victim of identity theft I have been struggling with keeping up with all the products that were open in my name. I have to check my report almost everyday because product are opened fraudulent in my name. I haver opened a dispute on this item over to month ago and today I got a alert that XXXX XXXX was reinserted back on my account I asked for a investigation on the other two account I am a XXXX vet with a limited income to hire a lawyer for services that I'm paying Transunion to protect my identity by notify my if anything is opened in my name by putting a extended fraud alert on my credit report before extending a new account but they have yet to do so. please hold these company accountable for this because If there are no consequences I t will continue to happen.
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (FL)

Experian..My XXXX  credit card is reported to Experian as in good standing though the account balance is {$66.00} over the credit limit. First, I have {$200.00} in fraudulent charges being investigated, but if XXXX  reports the account in good standing where does the CRA take it upon themselves to create an issue where one does not exist between the principal parties. 
As a second item why are they allowed to report as outstanding credit on accounts where you are an authorized user. Theres no responsibility to pay the debt and should not be computed into ones own debt.