davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (KS)

Synchrony Bank made no attempts to resolve issue with the original complaint and dispite multiple attempts to correct the facts that they fabricated, ( I never cancelled my autopay as I depend on automation to manage my finances ). They tried calling me and I attempted to return the call multiple times without sucess. 

The fact remains that their autopay failed and they falsely stated that I caused the issue.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

**** Human manual review only, No automated system please. Be compassionate **** Please see the issue where you all reporting that the details of the XXXX XXXX XXXX XXXX show that there is no first date of delinquency or late payment however when I click on payment history you all are reporting la late payment. XXXX has it as 60 days on XX/XX/2022 and both Transunion and XXXX has it as 30 days in XX/XX/2022. Please see the attachments. This is an error. If there is no date of first delinquency because I have never been late. The manager at XXXX XXXX has some personal issue against me and keeps violating FDCPA laws to keep false reporting back to you all confusing details of a late payment that never happened. I have called paid off the balance on this account and they are just being petty and stubborn. This is against FCRA. There system is clearly wrong since it cant even report a delinquency date and cant even report the same to all credit reporting companies. There should be no red for any month indicating any late payments! There should only be green check marks to show that there were no missed payments. You all keep making inaccuracies on it. I would rather you all delete the account now. Though it will hurt my average account age. Its better that, than you all keep inaccurately reporting late payments on an account that was never late and has been paid off. I don't ever want to do business with them because of how they took advantage of customers during COVID. They are not supposed even report any late payments to to federal laws that were passed for that time. Credit reporting companies are required to comply with the law, by deleting these late payments or removing the accounts if the creditor keeps ignoring the law and fail to comply with reporting restriction. Asking them to keep this verify and automatic reporting look going is just wrong and illegal. I am suffering because your personnel or the systems you use are constantly presenting false and inconsistent information to the public. You all will be held accountable for violating my rights!
Consumer complaint received 2023-08-28
Product: Debt collection — Auto debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Westlake Services, LLC (SC)

Hello I purchased a car from us auto sale with no issues or hiding fees with my account. Never had an issue with making payments on or after my due date. West lake portfolio the company that brought them out is a rip off they are over charging my account for intrest and late fees and also for the payment to be drafted out of my account I contacted them about the problem and I was told that it wasnt a good time to discuss it. My payment are XXXX every two weeks but since the new company brought us auto sales out Ive been having issues with them since. In and reality Im not that much behind with my payments I need help
Consumer complaint received 2023-08-28
Product: Credit 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: AMERICAN EXPRESS COMPANY (AL)

XXXX American Express card email demanding large payment of {$2100.00} in 72 hours or credit line decrease This is the second time first payment demanded was {$1700.00} I paid the first demand but stated I would report another instance. No missed payments on account and not over the limit This is unfair and discriminatory practices
Consumer complaint received 2023-08-28
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. (FL)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-08-28
Product: Credit reporting 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)

XXXX XXXX XXXXXXXX attempt to purchase XXXX XXXX Became sick for over a year with XXXX. REQUESTED COURTESY REMOVAL OF ALLLATE PAYMENT ON VALID DEBT. 

HELP PLEASE ERGE CREDITOR TO COUSTEY REMOVE ALL LATE PAYMENT AS I HAVE HAD THESE ACOUNT OPEN AND PAID AS AGREED FORWELL OVER 6 YEARS AND ONLY LATE A FEW TIME DO IT XXXX XXXX XXXX ILLNESS JUST NEED A LITTLE HELP!!! PLEASE CREDIT SCORE DOWN XXXX POINT .... 

REMOVE FOLLOWING ALL LATE PAYMENTS 1. XXXX XXXX reporting to TransUnion XXXX XXXX Account # : XXXX Account Type : Revolving 2. XXXX Reporting to TransUnion, XXXX XXXX XXXX Account # : XXXX 3. XXXXXXXX XXXX XXXX  Reporting to TransUnion XXXX XXXX & XXXX Account XXXX : XXXX 4 XXXX XXXX Reporting to TransUnion, XXXX XXXX XXXX Account XXXX XXXX XXXX 5. XXXX XXXX TransUnion XXXX XXXX Account # : XXXX 6. XXXX Reporting to TransUnion XXXX XXXX XXXX Account # : XXXX 7. XXXX TransUnion XXXX XXXX XXXX Account # : XXXX XXXX TransUnion XXXX XXXX XXXX Account XXXX XXXX
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-08-28
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: AMERICAN EXPRESS COMPANY (CA)

We need to know why we can not open additional accounts in American Express Online Bank. When we call, they can open an additional account for us, but they will not let us do it online even though it is an online bank. 

My husband and I have had a joint account with American Express Online Bank for about 5 years. We have never had any problems with their bank or any other banks. We were able to add CD accounts in the bank until XX/XX/2023. 
When we tried to open another savings account and CD account, we got the message " Please call us. We're sorry, we are unable to open your account online at this time. Please call XXXX to open this account. '' When we called the number, and we were offered to open an additional savings account over the phone and an account was opened immediately. 

Since we were told that it happened because of the system error and would be fixed soon, we expected the online account opening privilege to be reinstated. It has been three weeks and we have still not been able to open any additional CD accounts online. Neither can my husband. We keep getting the same message, " Please call us. We're sorry, we are unable to open your account online at this time. Please call XXXX to open this account. '' We have both called the phone number every time we got the message, that has been more than several times and tried all the things they suggested, such as 1 ) using different browsers, 2 ) clearing all cache and cookies, 3 ) restarting the computer, 4 ) trying at a different time/day, and 5 ) using a different computer. 

All the representatives we spoke to offered to open an additional account over the phone, but that is not what we wanted. We wanted to know the reason why we needed to use a phone call instead of online for the online bank. Only two of the representatives we talked to said that they would open tickets ( so tickets should be filed twice for this issue ) to report the problem to their systems because they do not see any problems in our records. However, we had heard nothing from their systems as of today, 3 weeks from the date we first encountered the problem, we still can not use online to open any additional CD.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I have attached my FTC report and Police Report which I filed on my local Police department to testify that I am a victime of identity theft. I am in desperate need of this item to be INSPECTED and REMOVED. 

XXXX XXXX XXXXXXXX
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (FL)

Account was set up on automatic payments monthly and was disconnected by company without my knowledge and later reported as late to all 3 credit bureaus for that month. I reached out to a rep and explained the situation, he understood but could do nothing about it and told me to take it up with the bureaus. In the screenshot you will see the manual payment that took place and me having to reset my account back to automatic
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

in accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX LA XXXX XXXX, LA XXXX account # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX 15 U.S.C1681 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 AGNCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 18 U.S. CODE 8
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX
Consumer complaint received 2023-08-28
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (GA)

XXXX  XXXX XXXX has informed me that an account that is being reported to my Early Warning Consumer report ( Acct ending in XXXX ) was fraudulently opened, and provided me a letter stating that I am not responsible for this account. Early Warning is still reporting this account to my consumer report. 

Please remove this account immediately. I have provided the letter confirming I am not responsible.
Consumer complaint received 2023-08-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX violated my rights. Account opened XX/XX/2020, {$21000.00} U.S.C section A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without written instructions
Consumer complaint received 2023-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

For the past ( 3 ) months, on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of XXXX  I have sent several letters to each of the major credit bureaus. 

The letters clearly instructed the bureaus to correct my credit report based upon the Metro2 Code Compliance standards. 

My request for correction has been ignored without proper action taken, particually by XXXX. They have repeatedly sent me notice that they " have not taken any action on my alleged request ''. 

After several calls, letters and cover letter attempts to get them to ACT on my behalf, the response from them appears to now be a stalling tactic to not take proper action on my account, per my request. 

Information on my report is inaccurate and I simply want the items requested removed and/or deleted from my credit record.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: HireRight Solutions, Inc. (SC)

I was fired from my job with XXXX that I'd been with over XXXX years because Hirerite gave them background information from XXXX. Plus, XXXX would not even hire me over the same XXXX issue. I was a kid then and now am XXXX with a family. I'm a hard worker and good father, but these companies keep making me pay for the same silly ticket over and over again.
Consumer complaint received 2023-08-28
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: I.C. System, Inc. (IL)

An unlicensed collection agency is attempting to conduct collection services in Illinois where I live. The agency 's contact information is I.C. System Inc. XXXX XXXX XXXX XXXX XXXX, MN XXXX. This agency has placed a collection account on my consumer reports causing a negative impact.
Consumer complaint received 2015-07-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NJ)

Since 2010, on numerous occasions I have disputed a bankruptcy being reported by Equifax on my credit profile. Each and EVERY single time, they 've responded " verified ''. And EVERY single time I asked for what 's known as a Method Of Verification, I 'm simply told to contact the court on " record ''. On several occasions I 've spoken with court officials over this so-called bankruptcy and they verbally confirmed what I had already assumed ; Equifax NEVER, NOT ONCE " verified '' any such bankruptcy with the court. And as such this reporting is illegal according to the FCRA and NJ State Law and needs to be deleted. Please refer to my notarized letter addressed to the court and their certified response. I look forward to Equifax 's response via CFPB for the record as I contend that Equifax 's policies allow them to BLATANTLY LIE to consumers and the authorities that govern the FCRA.
Consumer complaint received 2023-12-11
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. (IN)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate accounts in my report : 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 2015-07-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Systems,Inc. (TX)

I am a resident of the state of Texas and sent National Credit Systems a Texas Debt Validation request in accordance with Texas Finance Code 392.202. This request was received and signed for on XXXX/XXXX/2015. I have not received validation of this debt. It has now been well past the 30 day period in which the agency must respond. I recently checked my credit reports and this debt still remains. I have attached a copy of the Texas Debt Validation Letter, Certified Mail Receipt, and Return Receipt.
Consumer complaint received 2023-08-25
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA (NJ)

On XX/XX/2023 my XXXX checking account was compromised with a check that was stolen from my mailbox washed and cashed from my acct. police report filed I contacted bank and blocked acct. 
On this day a scheduled transfer of funds was set up to my Marcus by Goldman Sachs acct. 
Unfortunately it could NOT go through do to the block on my checking acct attached to my Marcus acct. 
2 days later I closed the compromised checking acct and opened a new one. My bank replaced the stolen funds of XXXX XXXX I then transferred to my new acct and CLOSED old checking acct. 
I went to my MARCUS acct to remove old checking and add new one and found out its was locked. I called Marcus and they told me it was closed and no reason given. I tried to explain what happened and they gave me the run around that no one can explain to me why. 
I now have no access to my funds. There is an old checking acct attached that does not exist and there is no way they can transfer my funds back to me! I asked them to reopen so u can transfer funds out of this acct and they would not! I have no access to my funds and they will have to send me a CHECK in order to get my funds out of MARCUS savings and CD. I have read on line that they do this often! This is a terrible business practice and they LEGALLY CAN NOT HOLD MY FUNDS. Please help me. Appreciated!
Consumer complaint received 2023-12-11
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. (MD)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc. (CA)

I am being contacted by a collection agency about two medical debts tied to the name " XXXX XXXX XXXX '' from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. Despite repeated claims that they i a not XXXX XXXX XXXX and have never received the mentioned medical services, the agency has requested identification verification. I have expressed discomfort in providing personal documents due to identity theft concerns. The collection agency has also reported the disputed debts to credit bureaus, negatively impacting my credit score. I seek the removal of these marks from my credit report until the situation is resolved.