davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-17
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things 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.
Consumer complaint received 2023-06-11
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. (TX)

The XXXX XXXX XXXX XXXX started reporting negatively on my credit report XXXX of XXXX, had XXXX  XXXX  XXXX virus. Again on XX/XX/XXXX they reported negatively on my credit report and against n I had XXXX XXXX. I call on both occasions to prevent negative credit reporting during this time of unrest and as stated in the COVID 19 CARES ACT. My problem is I called both times and both times I was told dont worry since I called in they will make note and it should not go against me. Well it did and it has effected me negatively with adverse credit scores.
Consumer complaint received 2023-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (GA)

CFPB Complaint I have been dealing with identity theft for quite some time. Government agencies are helping me and I also have a case with XXXX XXXX XXXX. Case # XXXX. This was due to a Data Breach by XXXX XXXX XXXX XXXX. This has been Extensive Identity theft, which requires several hours daily. You have fraudulent Credit Inquiries on my Credit Report. I contacted you Company several months ago, and it was to be removed. As of this date, your fraudulent inquiries remain on my Credit Report. I have filed disputes, and done everything in a proper manner to have these removed. You are in violation of FCRA, and Im asking once again to have your fraudulent inquiries immediately removed from my Credit Report. And please send me verification that this is complete. I do not have the time to involve other government agencies. Please immediately remove all inquiries on my Credit Report from your Company. I have never applied for Credit from your Company nor authorized anyone to do so, Email : XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX Georgia XXXX l
Consumer complaint received 2023-06-11
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)

I have Contacted you Experian National Consumer Assistants Center multiple times and asked them to investigate & remove the inaccurate accounts from my consumer report that you are illegally reporting. 

I have requested specifically the alleged ORIGINAL CARBON COPY application bearing my signature, EXPERIAN have not been able to provide such PROOF to me. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is a clear VIOLATION of my consumer rights under 15 U.S. Code 1666b A. Creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any reason. 

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

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX All these accounts are VIOLATION According to the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681a ( 2 ) a ( 1 ), except as provided in paragraph ( 3 ), the term " consumer report '' does not include reports containing information solely as to TRANSACTIONS. 

Therefore, I request that my TRANSACTION between XXXX XXXX and XXXX XXXX XXXX XXXX, be UPDATED to what is fair and equitable to me as a consumer, I request Accounts be UPDATED to, PAANL ( Paid As Agreed Never Late ) to my consumer report. 
TRANSACTION between XXXX XXXX XXXX XXXX XXXX XXXX be UPDATED to what is fair and equitable to me as a consumer, I request Accounts be UPDATED to, PAANL ( Paid As Agreed Never Late ) to my consumer report. 


INQUIRES : XXXX XXXX XXXX, is reporting inaccurate : XXXX XXXX, is reporting inaccurate 15 U.S Code 1681b -Permissible purpose of consumer report ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : ( 2 ) in accordance with WRITTEN INSTRUCTION of the consumer, to whom it relates. 


I NEVER gave XXXX XXXX XXXX XXXX  WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federal protected consumer. 

NO CONSENT IS IDENTIFIED THEFT- I am a victim of identity theft 15 U.S. Code 1681c-2 A consumer reporting agency shall BLOCK the Reporting of any information in the file of consumer that identifies as information that resulted from an alleged identity theft, NOT LATER THAN 4 BUSINESS DAYS after the date of receipt FTC Report Number XXXX
Consumer complaint received 2023-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2023, Transunion told me they got my information and the dispute letter I sent to them, but they did not investigate it since they thought it was not authorized by me, but rather a credit repair company. 
On XX/XX/2023, XXXX also sent me a letter thinking it was not authorized by me, the dispute letters I sent them, so this is becoming unfair because I AM the individual writing out these letters and wanting information sent. 
Transunion XXXX XXXX has been bullshitting me for months and I am getting angry and really annoyed with them because my rights as a consumer are being played with. How is it within my rights to challenge something or anything of that matter that I feel is wrong but every time I get the same letter back from them. 
Please advise and help me fix this, thank you
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Conn's, Inc. (IL)

I am a victim of XXXX XXXX  of debt XXXX  and would like for all listed accounts to be blocked and deleted from My Credit report for myself XXXX XXXX last XXXX of social security number is XXXX, XXXX XX/XX/XXXX. PLEASE DELETE THE FOLLOWING XXXX. XXXX XXXX XX/XX/XXXX {$590.00} XXXX XXXX XXXX  XX/XX/XXXX {$34000.00} XXXX XX/XX/XXXX {$140.00} XX/XX/XXXXXX/XX/XXXX {$1400.00} XXXX XXXX  XX/XX/XXXX {$740.00}
Consumer complaint received 2023-07-29
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. (NY)

I received my XXXX XXXX on XX/XX/2023 and notice there were hard inquiries that don't have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that dont have no purpose to be on my credit report.
Consumer complaint received 2023-06-11
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. (FL)

In accordance with the Fair Credit Reporting Act, the listed accounts has violated my federally protected consumer rights to privacy and confidentiality, under 15 USC 1681. 

I requested that XXXX, XXXX as well as Experian to re-investigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated that everything was complete and accurate. How is that possible if open dates, dates of last activity are incorrect. They also neglected to provide copies of originally signed contracts. According to 15 USC 168i ( 5 ), they are required to modify accounts that are not reported correctly. 

15 U.S.C. 1681 Section 602 ( a ) states that I have the right to privacy.

15 U.S.C. 1681 Section 602 ( a ) ( 2 ) states that a Consumer Reporting Agency can not furnish an account without written instructions. 

15 U.S.C. 1681 ( c ) ( a ) ( 5 ) states that no Consumer Reporting Agency may make any consumer report containing any of the following items of the information, any other adverse items of information, other than records of convictions or crimes which antedates the report more than seven years. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) states that a person shall not furnish any information relating to a consumer to any Consumer Reporting Agency in the person knows or has reasonable cause to believe that the information is inaccurate.

Lastly, they are not in compliance with Metro 2 Credit Reporting
Consumer complaint received 2023-06-11
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. (FL)

In accordance with the Fair Credit Reporting Act, the listed accounts has violated my federally protected consumer rights to privacy and confidentiality, under 15 USC 1681. 

I requested that XXXX, TransUnion as well as XXXX to re-investigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated that everything was complete and accurate. How is that possible if open dates, dates of last activity are incorrect. They also neglected to provide copies of originally signed contracts. According to 15 USC 168i ( 5 ), they are required to modify accounts that are not reported correctly. 

15 U.S.C. 1681 Section 602 ( a ) states that I have the right to privacy.

15 U.S.C. 1681 Section 602 ( a ) ( 2 ) states that a Consumer Reporting Agency can not furnish an account without written instructions. 

15 U.S.C. 1681 ( c ) ( a ) ( 5 ) states that no Consumer Reporting Agency may make any consumer report containing any of the following items of the information, any other adverse items of information, other than records of convictions or crimes which antedates the report more than seven years. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) states that a person shall not furnish any information relating to a consumer to any Consumer Reporting Agency in the person knows or has reasonable cause to believe that the information is inaccurate. 

Lastly, they are not in compliance with Metro 2 Credit Reporting
Consumer complaint received 2023-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (GA)

In early XX/XX/2023, I opened a Marriott Bonvoy Boundless card through Chase bank. The terms of the promotion ( as with many loyalty credit cards ) was to receive a certain amount of points in my Marriott Bonvoy account ( XXXX after spending over {$3000.00} in the first 3 months ) as well as {$250.00} eGift card which I never received. I have went round and round with both Marriott and Chase on trying to resolve this with no success. I was diligent about capturing the Credit Card Offer details when I signed up online and applied for the card. I was sure to even read the credit card details and save a screen print on my computer to ensure that I knew what the terms of the promotion were in addition to hold Chase and Marriott accountable to them once I met the terms for which I have completed as stated in the agreement. As it stands now I have NOT received 50,000 points in my Bonvoy account and there has not be a {$250.00} eGift card issued. I did communicate that I would be happy with a {$250.00} statement credit as well. I am very upset at Chase and consider these tactics to be Deceptive and Bait and Switch tactics since this agreement was very clear and in writing. I will be happy to upload the agreement as well as any supporting documents. If Chase does not resolve to to align with the terms of the agreement that I agreed upon when opening the card then I will open a complaint with XXXX as well withdrawing all funds from Chase and moving to another bank. I will make this experience very well known all over Social Media. There are many that have fallen victim to Deceptive practices of this and are complaining about the same thing. There are many complaints of deceptive and Bait and Switch tactics on applying for this card online.
Consumer complaint received 2023-06-10
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. (NY)

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. 

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, 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 an 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 2023-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX XXXX XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative 1 of 2 account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately
Consumer complaint received 2021-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SF VAGO, LLC (FL)

I have a loan with STATE FARM BANK, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called STATE FARM BANK and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX  and STATE FARM BANK with no successful resolution. XXXX  reporting me having late payments. There was an error on their part. I was never late.
Consumer complaint received 2021-08-23
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: CITIBANK, N.A. (MT)

XXXX  HAS FAILED TO REMOVE FRAUDULENT INQUIRIES ON MY CREDIT. XXXX  AND XXXX  HAS FIXED THE ISSUE, WHAT IS TAKING XXXX  SO LONG? IT HAS BEEN OVER 60 DAYS AND NO RESOLUTION FROM XXXX. I HAVE NOT EVEN RECIEVED ANYTHING IN THE MAIL. I AM REQUESTING ANOTHER INVESTIGATION AS I HAVE NOT RECIEVED ANYTHING BY MAIL AND THE FRAUDULENT INQUIRIES ARE STILL REPORTING. I HAVE ATTACHED MY IDENTIFICATION AND ID THEFT AFFADAVIT PACKET.
Consumer complaint received 2023-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (WA)

Synchrony seems to be illegally denying credit accounts under false/incorrect pretenses, even though they may not do it on purpose. 

I have tried to apply to the PayPal Cashback Mastercard, which is issued by Synchrony bank. 

I have applied multiple times during the month of XX/XX/2023, as well as today, XX/XX/2023. 

I keep getting denied by Synchrony Bank because my XXXX credit file is allegedly frozen. I am receiving denial letters from Synchrony stating the same. 

It is true that my XXXX file was frozen the first time I applied. I have immediately unfrozen it and reapplied, but it was subsequently denied for the same reason. 
I have then left my XXXX file unfrozen for over 30 days, then reapplied again today ( XX/XX/2023 ), having verified both online and by calling XXXX that my credit file is in fact not frozen. I have been denied every time, for the alleged reason that my XXXX file was frozen, which is materially false. 

In the denial letters sent by Synchrony bank on XX/XX/2023, they merely state " Unable to access your credit bureau file due to a freeze. ", mentioning the address of XXXX. 

I have called PayPal in XX/XX/2023 and on XX/XX/2023 in order to try to resolve the issue. They say they can't advise, because the credit account is opened on the Synchrony side, and Synchrony handles the credit approval. 

I have called Synchrony ( last time today, XX/XX/2023, at around XXXX PDT - Pacific Daylight Savings Time ), but after transferring me from department to department, they forcefully transferred me to PayPal even though I told them not to. Because Synchrony is the bank approving the credit account and the one sending the denial letter, I believe Synchrony is at fault. 

I have exhausted all my possibilities : - Trying to reapply - Double-checking with XXXX that my file is unfrozen - Calling Synchrony Note that a quick google search of the keywords " synchrony frozen paypal transunion '' will yield multiple reports of the same issue. This is clearly not isolated to just myself. Synchrony seems to be illegally denying credit accounts for implausible reasons. 

Note that I am a Synchrony customer ( I have a savings account opened with them )
Consumer complaint received 2021-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Neon Newco Corporation (TX)

Check deposited and withheld I have XXXX kid on XXXX  so all funds are accounted. Now i have to wait to access funds bc of an overdraft I allowed Netspend to get months again. I use this card as my payroll after speaking with someone for over an hour not one person directed me to where I needed to make the payment so that funds could be used. Selfish company
Consumer complaint received 2023-07-29
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Reliable Credit Association, Inc. (WA)

In 2017 I purchased a vehicle from a car dealer here in XXXX Washington, the vehicle I purchased was running great until XXXX weeks when the transmission went out doing XXXX on I XXXX. I called the dealership about it they told me that I bought the car as is nothing they can do I reported it to the finance company and they refused to take the car back and told me that I still owed them the money for the vehicle. I stopped paying them because I couldnt drive the vehicle so they sent my debt to a collection agency and I did get sued for the debt which caused me to file bankruptcXXXX XXXX  XXXX. They are still reporting that I owe the debt on my credit report still today.
Consumer complaint received 2023-06-10
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. (GA)

XXXX ( {$51.00}, XXXX ) DEPT OF ED/XXXX ( {$25000.00} ; {$25000.00} ; {$21000.00} ; {$17000.00} ; {$14000.00} ; {$13000.00} ; {$12000.00} ; {$12000.00} ; {$8500.00} ; {$7700.00} ; {$7600.00} ; {$7600.00} ; {$6800.00} ; {$6400.00} ; {$5600.00} ; {$5400.00} ; {$5300.00} ; {$2900.00} ; {$1100.00} ) As of today, I have disputed the above accounts with the Consumer Reporting Agencies . They've failed to validate the accuracy of these accounts, yet refused to remove them. 

15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : states that a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681C ( A ) ( 5 ) 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 USC 1681 s-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.