davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX XXXXXXXX inquiry day is XX/XX/2022. 
The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 

With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. 
Did not consent to unauthorized inquiry.
Consumer complaint received 2023-05-25
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. (AR)

I am writing to dispute the payment history information that appears on my credit report from XXXX XXXX. According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681a ( 2 ) under Exclusions, report containing information solely as to the transactions or experiences between the consumer and the person making the report ; I have reviewed my credit report and found the payment history information and account balance should be excluded from my report.
Consumer complaint received 2023-05-25
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. (GA)

I'm trying to report a dispute with the debt collections on my credit report, I don't recognize any of this and I have been sending letters for those verifying those accounts and they not responsive as consumer there a law can protect me for this bad practicing the Fair Credit Act 15 USC 1681a ( 2 ) I didn't give any permission to have those accounts furnished on my credit report
Consumer complaint received 2023-05-25
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: Experian Information Solutions Inc. (NC)

Submitted a dispute to the credit agency about inaccurate information being reported on my report and the did not properly investigate my disputes. 

According to the law 15 U.S. Code 1681a Definitions ; the term investigative consumer report means a consumer report or portion there of in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning any such items of information. However such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency which when such information was obtained directly from creditor of the consumer or from the consumer. I would like to know, 1. Who did they talk to. 2. How did they complete this investigation.
Consumer complaint received 2024-09-24
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: DigniFi (MD)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-09-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (LA)

I was sued for this debt It was not owed but they called my daughter and threatened her she got scared and made a payment it may the payment on a debt become current again Then the lawyer sued me The courts entered a judgment against me My pay was garnished after all was said and done, they took the last payment and gave me a release Lo and behold they are at it again I did not contact them because I'm afraid. I am elderly and hoping to retire without them garnishment again. The court doesn't care I did not owe this money in 2022 They have hounded me for a debt that is over a decade and I paid Once years ago they called and I made arrangements to pay if off for {$800.00} then again in 2022, when they hired a lawyer and garnished my wages for a debt I did not owe and now they are at it again
Consumer complaint received 2017-09-08
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. (RI)

During the recent Equifax hack, my personal information was compromised and I had to apply for multiple credit freezes to minimize by potential risk ( performed on XXXX17 ).
Consumer complaint received 2023-05-24
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)

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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX XXXX  XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Consumer complaint received 2023-05-25
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (WA)

In XXXX if XXXX I accidentally paid my card balance of XXXX to my Amazon store card. I called them and ask them to return the second payment if they could keep the first payment because I owe them that money they refused and said that it would take more than 60 days for me to get the {$400.00} back which wouldve meant that I wouldve been evicted from my house, needless to say I went to my bank. I stopped one of the payments so that they would not get over {$800.00} out of my account. The second one was left open for them to go ahead and take their money like I owe them. I then called And close the account permanently now they are telling me that I still owe them {$400.00}. I have a bank statement that says that that money was taken out as a fourth payment on XX/XX/XXXX. So they can stop their collection actions or I can sue them because thats where Im at right now Im working hard to keep my credit score at a decent mobile pay off what I owe and I sure as XXXX dont need them dinging my credit score. I do not know why synchronicity bank is allowed to even operate. They are a predatory lender and have been for years.
Consumer complaint received 2024-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NH)

On XXXX XXXXXX/XX/year> I deposited {$XXXX} CASH into the ATM at the TD bank at XXXX XXXX XXXX XXXXXXXX XXXX at XXXX XXXX. The receipt states " We are unable to provide the details of your deposit at this time. '' I have reached out multiple times to resolve this issue. I was told the money would be in my account in XXXX business days. Today XX/XX/year> a supervisor told me they do not know when I will get my money. I am currently unemployed and need that money returned to me as soon as possible. The reference number they gave me is XXXX.
Consumer complaint received 2024-09-23
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Solar Mosaic LLC (CA)

We have a Solar loan with join Mosaic. Their lending practices were suspect from day XXXX. They paid our contractor in full XXXX  months before our system was complete, ignoring our responses to them that the job was not done. 

Since dispersing, their collection processes have been predatory. Our due date on our payments is the XXXX of each month, and they have received all but XXXX of our payments in the past XXXX  months before the XXXX of the month. Yet they text, call, and email daily that you are delinquent, and add a {$10.00} late fee, Even though theyve had your payment the entire time. 

Every message you received from Mosaic suggest that you should pay your payment to them so they receive it at least XXXX  days prior to the due date, allowing them time to process it. 

I spoke to Mosaic XX/XX/XXXX because we now received a collection letter from XXXX XXXX XXXX on the loan. When I called them, they are claiming they have not received a payment from us since the one they posted XXXX. Even though our bank, XXXX XXXX XXXX XXXX, shows they received a payment on XXXX ( for XX/XX/XXXX ) and XX/XX/XXXX ( for XX/XX/XXXX ). Their solution is that our bank must send them copies of the checks so they can fix it in their system. 

This is not an isolated incident once or twice, its every single month. They can not get their customers payments posted, and I believe its intentional because a lot of consumers in frustration just pay their fees and their invoices weeks before the due date to avoid the harassment. 

We have not joined a lawsuit at this point, but understand there are several pending against mosaic for their predatory lending.
Consumer complaint received 2023-05-25
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: Experian Information Solutions Inc. (CA)

While checking my personal credit report, which I acquired fromExperian, I noticed an Unauthorized inquiry made by your company XXXX on XX/XX/2023. I did NOT authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.
Consumer complaint received 2023-05-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credence Resource Management, LLC (CA)

Credence purchased an old account and is trying to collect funds from an account that was closed in XXXX or XXXX. XXXX called me a year after I closed my account and I disputed the amount with them then and haven't heard anything about it since then. XXXX was purchased by XXXX XXXX XXXX in XXXX. Credence is trying to collect on an account that is over 8 years old. They put it on my credit report as a new account and as owing since XX/XX/XXXX. This is false information that has caused my credit score to decrease. I am also in the middle of applying for a condo and if this causes me to lose this property I will be suing.
Consumer complaint received 2023-05-25
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: Experian Information Solutions Inc. (FL)

You are in direct violation of the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1

5 U.S.C 1681 SECTION 602 A. Clearly states that I have a right to privacy.

15 U.S.C 6802 SECTION B : I was not given the opportunity to opt out of reporting my information to a third party.

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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless they have adopted reasonable procedures to ensure each statement is delivered to the consumer no later than 21 days before the payment due date. 

Remove these late payments and update to paid as agreed/on time immediately as you are in direct violation of several laws under the FCRA. 

I was not provided with the method of verification in a timely manner meaning this information was not verified.
Consumer complaint received 2023-05-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Media Collections, Inc (NJ)

My name is XXXX XXXX and I received a bill from Joseph , Mann & Creed ( Debt Collector ) for a bill due to XXXX XXXX for some service done with statement date XX/XX/22 at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Last year at this time, I resided in New Jersey. I have absolutely no associated to this address and have the documents to prove my residency. I spoke to the debt collector and they also confirmed that birthday of this XXXX XXXX XXXX did not match my birthday. They recommended me to file an online report to have investigation done if someone is impersonating my information or they just somehow have the wrong XXXX XXXX and got my information illegally. 

Please investigate this matter further
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AR)

XXXX XXXX  XXXX is erroneously reporting, this account was paid in full and closed months prior, now suddenly appears on my credit profile as a collections and open. Pursuant to 18 USC8, I owe no debt and had a XXXX  balance when I closed this account, this company is violating my consumer right to privacy to 15 USC 168 1b 2. This company has no o permission to repot anything using my info Pursuant to 15 USC,1681 4, Also deformation of my character.
Consumer complaint received 2017-09-09
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. (CA)

My SSN, DOB, full address and driver 's license have been stolen from Equifax 's database. This is outrageous, as they are the ones that are supposed to protect this data. I am now at risk of identity theft and fraud, because they did not properly protect my personal and very sensitive information.
Consumer complaint received 2023-05-25
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: EQUIFAX, INC. (PA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-09-26
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: HUNTINGTON NATIONAL BANK, THE (MI)

I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.
Consumer complaint received 2023-05-25
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. (AZ)

In accordance with the Fair Credit Reporting act 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 2023-05-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (FL)

I am a victim of identity theft. I never received any document informing me of this debt which it is no belong to me. I have never requested any credit card from Wells Fargo. I am a very hard worker. I am the Head Household. I am a single mother with two minors. They are making me pay a debt that is not mine unfairly.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDEN 1 CREDIT UNION, THE (CA)

I am writing to formally dispute inaccuracies reported on my credit file concerning account number XXXX. Upon reviewing my credit reports across all three major credit bureausXXXX XXXX, and XXXXI have identified several discrepancies that need immediate correction. 

Payment Reporting : Your records indicate that I made a payment of {$1300.00} in XXXX, which is inaccurate. I did not make a payment of that amount during this time. 

Late Payment Reporting : The account is reported as never late to XXXX, yet a late payment for XXXX has been reported to XXXX and XXXX. I confirmed ( with a Golden 1 team member who refused to provide documentation to me regarding my account on XXXX XXXX XXXX XXXX ) that my XXXX payment was received within 29 days of the due date, therefore my XXXX payment was not late. 

This inconsistency in reporting is misleading and damaging to my credit profile. 
Given these inaccuracies, I kindly request that you update my account status to open, never late across all three bureaus. Please provide me with written confirmation of adjustments made to my credit report. 

Thank you for your prompt attention to this matter. I look forward to resolving this issue quickly.
Consumer complaint received 2023-05-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (MA)

On XX/XX/XXXX, I paid my Synchrony Bank ( Amazon Store ) card ( ending in XXXX ) balance in full, drafted from my XXXX XXXX XXXX checking account ( ending in XXXX ) for {$5000.00}. 

The following day on XX/XX/XXXX, Synchrony deducted {$5000.00} from my XXXX XXXX XXXXXXXX checking account ( ending in XXXX ) a second time. 

I reached out to Synchrony around XX/XX/XXXX to report the extra payment. The vendor reported a double payment ( the second of which was made at XXXX XXXX ET - my time ), despite a balance of only {$5000.00} on the account. I requested a refund of the extra monies deducted and Synchrony said a check would take 10-15 business days, USPS, no tracking was available. 

15 business days later, in early XXXX, on XX/XX/XXXX I reached out to report the check wasn't received. They dispatched a new check " expedited '' and said it would be received in XXXX business days, still no ability to track the check ( even if I paid ) Today, I reached out XX/XX/XXXX and ask about what the next steps are if/when I don't receive the 2nd check and was told they would dispatch another. Again another 7-10 business days, again with no tracking. After I pushed back for 20+ minutes it was suggested a delivery attempt was made but the check was sent back ( the only signature option I am aware of with USPS includes tracking ) but some stuff to consider : 1. We use XXXX Mail which takes scans of all our mail as it passes through our local post office, no images have been captured of Synchrony communications or any unreceived mail. 

2. We have cameras on the property that captures anyone who approaches any of our doors or rings the bell, no one from the post office has approached our door for a signature. 

3. No notices to indicate an attempted delivery were left on the mailbox or on the door. 

As a result, I opened a dispute on the charge via XXXX XXXX XXXX. They reported it could take 45+ days and I may/may not receive a refund after that investigation. 

I do have chat logs for 2 of the 3 discussions with Synchrony Bank.