davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (UT)

On XXXX as I was buying XXXX XXXX  tickets on the XXXX website there was an offer for cash back on the tickets if I got a credit card. I applied and got the tickets. The next month, I received the credit card, a letter about an error, and the bill with no discount on the tickets. I spent a day calling to get a customer service representative to find out how much to pay. I finally talked to XXXX XXXX she took XXXX $ off and took payment for XXXX $ from my checking account and closed the account for me. I thought that was the end of it. In XXXX I responded to an email and got no response. In XX/XX/2023 I got a bill for XXXX XXXX I again spent a frustrating day trying to get through to customer support and finally talked to XXXX who filed a dispute. I got no response from that. Ever since I have been harassed by phone calls that just lead to recordings. I wrote to them in XXXX but get no answer.
Consumer complaint received 2023-06-27
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC. (MD)

On XX/XX/XXXX I have purchased a dark-gray XXXX XXXX XXXX unfortunately my car was illegally repossessed which violated my rights under consumer laws 15 USC 1692f . The consumer law states taking or threatening to take any non-judicial action to effect dispossession or disablement of property. ( A ) There is no present right to possession of the property claimed as collateral through an enforceable security interest. ( B ) There is no present intention to take possession of the property. ( C ) The property is exempt by law from such dispossession of disablement. Also they violated the Consumer Law 15 USC 6802 when they reached out to a non affiliated third-party to repossess my vehicle and Identity theft by giving this third-party my personal information such as my name and address to illegally repossess my XXXX XXXX XXXX.
Consumer complaint received 2023-06-26
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: U.S. BANCORP (NC)

I received an offer to expand my credit limit for my secured card of {$300.00}. I called several times and asked questions prior and advised of my plans to extend my limit and to later apply for the account to change into a unsecured card ( knowing of a hard post ). The representatives never stated that to extend the credit line, there would be another hard post. Had I known, I would have NEVER agreed to take that route. Upon notification that a hard post has been posted, I immediately reached out to the XXXX XXXX XXXX for clarity and was told that they had to have a verbal consent. And that the paperwork had a fine print for the hard post. I explained that something that important should stand out and be explained. I have had a secured card before and they never redone a hard post to extend a limit or to change form secured to unsecured ; especially since having a great report. As advised from a XXXX rep, my next steps is to file a complaint via you. I want the hard post off my credit history because I did not give permission to do so.
Consumer complaint received 2023-06-26
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. (MI)

social security number being used to establish accounts additional addresses have on my credit report that i have no knowledge of i want all this information removed police report made ftc report made contacted creditors as well
Consumer complaint received 2023-06-26
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. (MI)

social security number being used to establish accounts additional addresses have on my credit report that i have no knowledge of i want all this information removed police report made ftc report made contacted creditors as well
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

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.

The letters are stated with items and issues.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST HAWAIIAN, INC. (HI)

I have recently closed my bank account due to fraud and somehow I have received a merchant refund which I still did not receive due to my bank account being closed and didnt receive a check in the mail for whatever credit I have received. I have recently contacted customer service before only to be told that anything that is sent to a closed bank account like a refund will be returned to sender. Other than that, I hope to have my issue resolved as soon as possible so I can at least receive my refund in some possible way like a check in the mail.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

During the process of us struggling making payments we had to do a forbearance on our loan due to loss of job during the pandemic. We eventually had to do a modification loan in order to keep our house. The credit bureau is showing late payments were made during the forbearance and modification process. 

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 1881. 

This is inaccurate. Please remove these errors from Transunion, XXXX, and XXXX that shows we have been late. 

Account # : XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Account # XXXX  XXXX XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Account # XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, and XX/XX/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.

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 items 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 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 2023-06-27
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. (SC)

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

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

15 U.S.C 1681 section 604 A Section 2 : its also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/XXXX, Care Credit, under Synchrony Bank ( the " Creditor '' ), apparently e-mailed me that they were closing my account immediately based on a recent credit inquiry even though my account was in good standing. When I spoke with the customer service agent on XX/XX/XXXX, she told me that my account was closed after an alert was sent to me via XXXX XXXX that the account was closed and an e-mail correspondence was sent to me. I checked my e-mail address that the credit card was registered to and I have received no such correspondence. 

Additionally, pursuant to the Credit Card Act of 2009 ( the " Act '' ), Care Credit is required to provide me with a 45 days ' notice of major changes to my account. Seeing as how I was not provided sufficient notice of this, they are in blatant violation of the Act.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-27
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX  XXXX XXXX Account Number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-26
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. (CA)

I have informed the three credit bureaus Transunion, XXXX, XXXX. That I was a victim of identity theft however, they still have not removed them from my report.
Consumer complaint received 2023-06-27
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: EQUIFAX, INC. (TX)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.
Consumer complaint received 2023-02-22
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)

On XX/XX/23 i looked at my consumer report and was immediately frustrated with the 15. U.S.C 1681n willful non compliance to my disputes and complaints, I have submitted to CFPB, XXXX, Equifax XXXX XXXX. Equifax, XXXX & XXXX STOLE my information committing FRAUD by reporting such hernias things on my credit profile. This has cause me great stress. I demand these items be removed from my credit profile immediately or I will seek litigation and 15 U.S.C. 1692k Civicl Liability for EACH violation. I have not given XXXX, XXXX or Equifax permission to disclose ANY information per 15 U.S.C 6802 on my credit report. Under 15 .U.S.C 1681 ( i ) states ALL reported information HAS to BE 100 % accurate.
Consumer complaint received 2023-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HOVG, LLC (PA)

I am a victim of identity theft. My information was used and shared without my consent. I did not authorise any opening of accounts. This is illegal and a violation of my consumer rights. 

BAY AREA CREDIT SERVICE, started to report as of XX/XX/ that I owe them {$3200.00}! the original creditor is XXXXXXXX XXXX XXXX XXXX. this report was placed on my credit and is now in collection. 

I have contacted the company on my behalf, and told them I don't owe them and that debt doesn't belong to me.
Consumer complaint received 2023-06-26
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. (IL)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report.
Consumer complaint received 2023-06-27
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. (LA)

I am not familiar with the inquiries mentioned, and I kindly request that you address this matter promptly. I have attached supporting documents for your reference. Please investigate the issue and take appropriate action to resolve it.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OH)

I recently reviewed my credit report and noticed an incorrect entry related to a bankruptcy that I did not file, or which should not appear on my report. To verify this, I contacted the court where the bankruptcy was supposedly filed and asked if they report such information to the credit bureaus. In response, the court provided me with a written statement confirming that they do not report bankruptcy information to credit reporting agencies. 

Despite this confirmation, the bankruptcy is still listed on my credit report, which has negatively impacted my credit score and overall financial situation. I have contacted the credit bureaus to dispute this entry, but the bankruptcy remains, even though it was inaccurately reported.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX continues to report inaccurate and incomplete information for account number : XXXX / vehicle : XXXX XXXX XXXX as having a late payment during XX/XX/XXXX nearly a year after the account was paid in full during XXXX XXXX Bankruptcy. These actions continue to have detrimental and negative impacts on my credit scores and credit reports across my credit file with multiple agencies. As to date, XXXX XXXX XXXX XXXX has refused to correct the information or delete the credit file. During multiple credit disputes, XXXX XXXX XXXX XXXX has stated the account was reporting as accurate.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

My First & Last name are as follows : XXXX XXXX My XXXX XXXX Address is as follows : XXXX XXXX XXXX XXXX, SC XXXX After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand, as my lawful right, for any names and addresses other than what I have listed above and below be removed immediately as they are not accurate and untrue. 

My current address is : XXXX XXXX XXXX XXXX, SC XXXX
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

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 2019-03-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (NY)

In late XX/XX/XXXX, I called XXXX XXXX XXXX XXXX - XXXX XXXX ( XXXX ) to cancel my membership. I spoke to a male employee, who informed me that I can only cancel my membership if I speak with the manager. I called back within the next few days and spoke to a female manager, and requested to cancel my membership. She verbally informed me that my cancellation had been verified. The next few months I noticed that I still got charged for my membership so I called back on XX/XX/XXXX and spoke to XXXX XXXX, who is the general manager of this location. He acknowledged my problem and informed me that I need to email him to cancel, which I did immediately after. So, although 2 employees informed me that my initial phone call cancellation was standard procedure, my membership was not cancelled until XX/XX/XXXX several months after I was told my membership had been canceled. Now, XXXX is sending Radius Global Solutions LLC to collect a debt of {$60.00}. I called Radius Global Solutions ( XX/XX/XXXX), whose representative informed me that only XXXX  can waive this erroneous debt. So then I called XXXX when I received this mail XX/XX/XXXX, and asked XXXX XXXX why this was happening and how it could be resolved. He rudely informed me ( yelling, interrupting, etc. ) that there was absolutely nothing to be done, because the only written proof of my cancellation is dated XX/XX/XXXX, and it is the corporate policy that cancellations may only be done by email. He refused to acknowledge that the employees whom he manages and supervises and is therefore responsible for, did not know of and did not uphold/follow their own company policies. He repeatedly claimed that there was absolutely nothing he could do, and that he had no authority to waive a debt. Then, I called XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX ), who told me that the general manager of each club has sole authority/ability to waive a debt if they chose to do so. I called back to XXXX XXXX XXXX  to speak to XXXX XXXX. He again repeatedly claimed that there was nothing he had any power to do, which is contrary to corporate policy. He redirected me to XXXX XXXX, who is his supervisor at XXXX - XXXX XXXX XXXX. I called and XXXX was not there. This company has falsely charged me because their employees do not know their own policies. I have taken every appropriate measure to my own knowledge to cancel my membership, and was told by XXXX employees over the phone that my membership had been cancelled. As such, this debt is invalid. Now trying to resolve this invalid debt, this company has wasted my time by being rude, unprofessional, ignorant to their own policies. Ultimately, this company has failed to resolve their own error.