davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-13
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. (FL)

In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

Accounts XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2021-03-31
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (OK)

In early XXXX of XXXX, I applied for a XXXX credit card and was approved for approximately {$1200.00}. I charged on the card and paid the balance in full when the bill was received. A few months later, I received a letter from Synchrony Bank stating that based on my credit score my limit was reduced to {$250.00}. As a result of the decreased credit limit, my FICO and credit scores were negatively affected. Although I did make additional purchases from XXXX, I did not charge them to my XXXX XXXX. I knew it would decrease my credit score further because of the reduced limit. 

On XX/XX/XXXX, I received a notice from the Credit Bureau stating that Synchrony Bank has closed my account. Again, this negatively affected my credit and FICO scores. I called Synchrony and the representative I spoke with couldn't give me any information as to why the account was closed. He informed me a letter was mailed on XX/XX/XXXX and he read the letter to me. Consequently, it is the exact letter I received when my limit was reduced to {$250.00}. 

I have been working hard to get it at a good credit rating. Ironically, Synchrony closed an account due to a credit score they are responsible for lowering.
Consumer complaint received 2019-03-22
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: Santander Consumer USA Holdings Inc. (NY)

I've noticed on my credit report that there's some accounts on my credit profile that aren't mine and I have never given any consent for my credit to be used or I have never co-signed for anyone or anything. Below are the accounts that were opened fraudulently.

FRAUD ACCOUNTS 1 ) XXXX XXXX XXXX -AMOUNT {$380.00} -DATE OPENED XX/XX/XXXX -ACCOUNT # XXXX 2 ) SANTANDER -AMOUNT {$0.00} -DATE OPENED XX/XX/XXXX -ACCOUNT # XXXX 3 ) XXXX XXXX -AMOUNT {$240.00} -DATE OPENED XX/XX/XXXX
Consumer complaint received 2023-04-08
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. (FL)

My identity was stolen and these accounts were fraudulently opened in my name. 

XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-19
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. (AL)

In Accordance with Fair credit reporting act XXXX  accounts XXXX XXXX XXXX XXXX- # XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX Has violated my rights. Recently I reviewed my credit reports and found the above inaccurate late payments. Per FCRA 15USC 16811 All unverified and inaccurate information must be promptly DELETED. Please provide me all information your bureau used to verify these inaccurate late payments. Noncompliance with this request for deletion if you can not produce XXXX XXXX COMPLIANT EVIDENCE will force my legal to file with FTC, ATTORNEY GENERAL of Alabama along with any further legal action we deem necessary including but not limited to civil and punitive damages.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC (TX)

on XXXX I paid off 2 Collections from : National Credit Adjusters po box XXXX - XXXX XXXX XXXX XXXX. 
XXXX, KS XXXX XXXX XXXX : XXXX Fax : XXXX They informed that they would delete this 2 collections from all 3 bureaus on my credit report in 30 days after payment and they still have not deleted this collection. I've done everything I was asked to do and they didn't hold up there part. 

XXXX XXXX : XXXX Account XXXX : XXXX NCAAcct. No : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Account No : XXXX NCAAcct. No : XXXX
Consumer complaint received 2019-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (TX)

i have mailed CACH LLC/Resurgent Capital Services on several occasions asking for validation of this debt of {$8200.00}. I have not received any validation of this debt that they are reporting on my credit report. I have not received any contracts with signatures proving this debt. They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. This is a serious allegation and i want answers on why false information this is reporting on my credit report.

Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) The attached letter is the only information i have been sent. No other details has been provided.
Consumer complaint received 2019-03-22
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BROKER SOLUTIONS, INC. (CA)

My wife and I applied for the purchase of a property. We used the following company to conduct that transaction : Broker Solutions Inc. dba. New American Funding.

Escrow # XXXX XXXX XXXX  Loan officer XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX On my understanding, this property shall be in our possession and begun to make payments towards the principal and interest.

The documents have already signed and again this company has not release the funds to the seller of the property.

I have several documents affirming that we should be the righteous individuals, ( or my wife ) to make payments towards the property. 

Truly, XXXX XXXX
Consumer complaint received 2022-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-27
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: Experian Information Solutions Inc. (MI)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THE LIST OF ACCOUNTS BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 

XXXX XXXX XXXX, XXXX XXXX XXXX BANK XXXXXXXX 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
Consumer complaint received 2021-09-09
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. (CT)

i looked at my consumer credit profile recently and realised Equifaxhas reported an invalid account on my credit report from XXXX XXXX XXXX XXXX account Number XXXX i have never done business with the furnishers of this information and i have no knowledge of this transaction. this account has been disputed and deleted in the past and has recently been deleted by XXXX from my consumer credit profile. the furnisher of this data is adamant on violating my rights in conjunction with equifax whom as a company is aiding and abetting to such a violation of my guaranteed rights under Federal Law passed by the United States House of Representatives. This account is associated with innacurate peronal information which has been disputed, invalidated and deleted by both transunion and experian. Reporting this debt is a gross violation of my rights under the FCRA guidelines. Delete all records of this account from my credit report. i have also attached evidence of the letter i received from XXXX XXXX XXXX showing a different account number for the same {$55.00} dollar debt. i demand this account be deleted immediately since it is costing me a lot of money. i have attached screenshot evidence of the the account that i demand to be deleted and i have highlighted the information as well. THIS ACCOUNT HAS BEEN PREVIOUSLY DISPUTED INVALIDATED AND DELETED. take note of attached letter from debt collector/furnisher of information with different account number for the same debt.
Consumer complaint received 2022-04-27
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. (CA)

In XXXX of 2021 I was 30 days past due on my XXXX XXXX XXXX also known as XXXX  card on my credit report. 
I called to explain that I was affected by XXXX  and had lost my job. I was receiving unemployment but in ended in XXXX of 2021 and a XXXX forbearance plan through my mortgage company ( attached document ). 
The company did not properly notate my account of my request and hardship. Even though I paid them as soon as could, they did not give me any consideration for the natural disaster that I faced. 
I was later told that the company does not take into consideration any XXXX  related hardships. In the last three years that Ive had this account this was the only time that I was more than 30 days late and they put a negative mark on my credit report.

It is affecting my personal life via my credit score to refinance my home now.

I have submitted a document as proof that I was on unemployment due to XXXX XXXX and that my claim expired the same month of the delinquency incident in XX/XX/2021.
Consumer complaint received 2022-03-31
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. (FL)

I recently checked my Trans Union, XXXX and XXXX Credit report and saw two Student Loans reported on my credit file. one for {$4.00}, XXXX, and the other for {$1900.00} both reported on XX/XX/XXXX. I have never applied for any student loans. I left XXXX XXXX XXXX XXXX XXXX in XXXX and my tuition was paid by XXXX XXXX for the semesters I was enrolled. I currently have one semester credit for XXXX XXXX for me to use if I want to return to college. I was also awarded Scholarship by the XXXX of XXXX XXXXXXXX to assist me through college. 
I am not sure where this information came from, but they do not belong to me. I am aware that there are persons her in XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX with my exact name. I have had issues in the past regarding mail and scholarship award that was given to that person in XXXX XXXX in error. 

I have been the victim of identity theft XXXX different time here i XXXX. Once my pocket book with all my personal information, ss card, drivers license, credit cards, bank book and other documents were stolen. My bank account was hacked XXXX times and on one of those occasions, they cleaned out my account. They have also filed my tax fraudently and so each year the IRS have to assign me a security pin to file my return. Not sure if any of these incidents have played a role in this situation.
Consumer complaint received 2019-03-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/2019 I opened an account with Bank of America for the purpose caring for my sister I have a Durable Power of Attorney .She was selling her home and I was going to manage her bills, food delivery and some services to keep her in her home On XX/XX/2019 her home sold and the funds from the sale were wired to Bank Of America {$130000.00} Within a day the account had a fraud alert and I was unable to use the funds After hours and numerous calls to every department the bank has, was told if I was to send the HUD and the legal transmission from the closing attorney they would lift the freeze I sent the docs and the freeze as lifted On XX/XX/XXXX my sister purchased a condo and Bank of America wired the funds to the losing attorney in the amount of {$41000.00} NO fraud that day??? 
On the XXXX of XXXX I made some purchases online with a debit card attached to this account On the XXXX this bank froze the account again I was my money released from this bank and the account closed I am responsible for my sisters life an have had nothing but grief an anxiety from this bank Please HELP ME
Consumer complaint received 2022-04-27
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. (NV)

In accordance with the fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX, In account # XXXX XXXX XXXX XXXXXXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (DC)

My wife and I both froze our credit with all three credit bureaus after the XXXX   information hack in 2017. Recently, we decided to purchase a house and needed to unfreeze our individual credit reports. Because we are residents of the District of Columbia, Experian would not allow us to unfreeze my credit report over the internet and required each of us to send our personal information to their PO Box address, including social security number, a copy of a government ID, the PIN number we created with Experian when we froze our credit and a copy of our recent banking statements. I sent all that information on XX/XX/XXXX through registered mail and received notice from the US Postal Service that it was received on XX/XX/XXXX. As of XX/XX/XXXX, our credit report with Experian has not been unfrozen and I have been given no notification about why not. Experian provides no customer service phone numbers to contact about this matter and all attempts to contact them are routed into the automated service menus. All attempts to reach someone to speak with at Experian have been rebuffed. Experian is providing literally no way for us to resolve this matter.
Consumer complaint received 2022-07-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NC)

I was approved for a trial modification. I payed XXXX payments and it made it permanent. I sent my forth payment and it was sent back to me.I was promised loan modification documents after the trial XXXX days and now its been 60 days..I need help
Consumer complaint received 2022-04-05
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Nicholas Financial Inc. (GA)

When I got the truck off the car lot its was running fine then when I went to pick my kids up from school and started smoke and I had find someone take the truck over where he at and so I call the tower truck man come pick it up and he gave back next day and the air went out and the truck then its raining in there and the truck from the top so o ask him can I get XXXX row for me and my kids got XXXX kids so he gave me A XXXX seat and told me try to wait until XXXX so I try them i after I got XXXX tickets I call him told him dont want do truck no more cause I have got a tick and there so the bank man call me and say why wouldve he give u a big truck for kids and I took the truck and drop back off at his lot and its was pay update so the man at bank XXXX the truck to someone else and tell me that I have to pay for something didnt work for me at all after someone else got truck Im Not about to pay for no truck that I dont have and what he sold for cause I told him what was wrong with truck I think its was lemonade cause i away couldnt go home to XXXX XXXX  the truck will get hot fast and my kid always sweating In theres. He just wrong for charging me XXXX XXXXXXXX dollars and he sold the truck then put its on credit. That not rite all how someone gone pay for a trust that they ant got and I made the payment when I had the truck even know I drop off early month and I still pay the truck theyl so I stop pay for it Cause thats just wrong making someone pay for a something they Ant got and I just draw XXXX so how can I pay for something when my check XXXX XXXX even no i dont have incomes like that no more cause my kids income have dropped
Consumer complaint received 2022-04-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (CT)

I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX XXXX / {$250.00} / XX/XX/2022
Consumer complaint received 2021-02-10
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: PENTAGON FEDERAL CREDIT UNION (VA)

This is a follow-up to a previous complaint already submitted against Pentagon FCU ( XXXX # XXXX - XXXX ). 

On XX/XX/XXXX, we received an update from the customer service supervisor at PenFed that we'd been working with. This supervisor told us that the credit repair case we had open has now been closed by the credit repair department at PenFed with no action taken - i.e. PenFed is now refusing to reverse their previous hard credit pull against my wife ( issued via targeted and discriminatory practices ) to a soft pull altogether. This is a reversal from their previous assertion that they would work with XXXX  to reverse the hard pull to a soft pull, and it would take 30-45 days to complete. 

This decision was made despite the fact that 1 ) the hard credit pull was made in a targeted fashion against my wife, who has a foreign-sounding name and is female, but not against me ; 2 ) my wife is not the primary account holder for the account and is not the PenFed member for our relationship with them ; 3 ) neither I nor my wife have requested any credit product from PenFed that would require a hard credit pull ; and 4 ) every customer service agent and manager we have spoken to ( including the supervisor we spoke with on the XXXX ) has repeatedly confirmed that this hard credit pull should never have been made - which we have evidence of. 

From this, we can only conclude that PenFed is doubling down on their previous discriminatory and targeted actions and the fraudulent explanations they have provided for these actions by having closed this issue without corrective action, despite having acknowledged their wrongdoing on record.
Consumer complaint received 2019-03-21
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

i sent a letter to XXXX/XXXX XXXX XXXX dated XX/XX/2018 they never responded so i done more and more research how to go about information being reported incorrectly. They are saying i have a account in collections. This is false i've sent them multiple letters no response.
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

I am a victim of identity theft. In XX/XX/2021 both XXXX and XXXX added a requested 7-year fraud alert to my credit files. However, in spite of EIGHT requests being sent to Equifax, I still have only a one year alert on my file with them.