davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-17
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. (PA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section XXXX ( a ) ( XXXX ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to XXXX parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within XXXX days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2024-08-23
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. (NE)

Inaccurate information being reporting on my credit file causing me to be denied for credit. 
Reporting inaccurate addresses and phone numbers as well as collections and inquiries
Consumer complaint received 2023-11-10
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: Affirm Holdings, Inc (TX)

Hello, I got an alert in XXXX around owning a first installment for an AFFIRM Account. I have never ever applied for the account or shopped at XXXX in the amount of XXXX. I got an email that I was approved for XXXX. When I reached out to AFFIRM, the only message I got was you open the account and now you have to pay it. I sent an email to them with all my information to confirm my identify and asked what information was used for credit line approval. Now my fraudulent affirmed account is impacting my credit due to it being 60 days late. In principle, I could probably pay this but my concern is this could potentially happening to other people. It would be great to understand from AFFIRM what was used for approval so I can make sure I lock down those identity markers to stop this from happening. Also, what was brought and where was it shipped so I can see where the fraudsters are. I am hoping you can help with this.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-09-28
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. (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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a 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 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Hatfield, Inc. (FL)

understand my frustration and confusion regarding the closure of my account with GRID/XXXX last year. After paying off the necessary amount, my account was closed on XX/XX/XXXX XXXX XXXX However, upon checking your credit report, I noticed that all my credit scores have significantly dropped due to an inaccurate report. This has had a tremendous impact on my credit. I kindly request you to immediately remove this inaccurate and improper information from my credit report. This situation is unacceptable in every sense, especially considering the fact that I haven't engaged with GRID for years. Out of nowhere, I am now being informed of an account balance of {$240.00}, which I have never received from GRID.
Consumer complaint received 2024-10-27
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY (NE)

Jewelry store talked to me about Wells Fargo credit card which will have 0 % interest for the first 12 months. After the 12 months I have just been charged a deferred interest ( {$4000.00} ) for the last 12 months. I was lied and never informed about the deferred interest otherwise I would have paid the balance in full. I need the bank to waive the deferred interest and I can pay the balance off in full.
Consumer complaint received 2024-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (CT)

I decided to purchase a new XXXX and Apple Watch for my wife via Apple 's website, using my Apple Card. The transaction was declined. At the Apple store the next day, we were able to force the transactions through with the help of an Apple sales manager. Thinking the card was ok, I went to pay a doctor 's bill online. That too was rejected. When I called Apple card support, they told me the card was " under review '' for fraud. I did not report any fraud, I reviewed my purchases and they were all mine, no issues. Exasperated, I called again and told them that I pay everything via that card. My bills will be late if not resolved immediately. They responded with no assistance or resolutions and no empathy, whatsoever. I pay my credit cards in full every month, I have never been late with a payment since I have had the card. My XXXX XXXX is XXXX. 

Strangely, they sent me an email a week later to contact them. When I called at their request, they again told me nothing, literally nothing. It took another week for them to get back to me.saying, " you're all set, we found no fraud ''. When I asked them what prompted this review, they again would not comment. 

I'm lucky enough to have more than one card, so I spent 5 hours online removing all payments to my creditors from Apple to another card. I spend about {$5000.00} a month on the Apple card. Not anymore. I know it's really nothing to them.

There wasn't even an apology from Apple. Apple card support 's response was, " lets just move forward and not look backward '' ... ... .I was incredulous! It was the worst treatment as a customer I have ever received ( all payments made in full monthly and I reported no fraud ). 

Again, I'm lucky to be able to pick who I want to partner with to meet my financial needs. I voted with my feet and will never do business with them again. I just hope this is a warning for others to be careful and not trust Apple card and have a few other choices available so they can't impact a credit rating. 

I read that Goldman Sachs is trying to unload the Apple card to another credit card company. If this is how they treat people, the regulators should look very closely on how they treat their customers.
Consumer complaint received 2024-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA (NY)

Apple Card and Goldman Sachs have me in a Customer service spiral of doom. I never agreed for Apple/Goldman to allow for charges above the maximum and they also misrepresented their payment plan. Given the news on XX/XX/year> that Apple and Goldman Sachs are ordered to pay for lying to consumers, I need to learn how to remove all recurring charges to the Apple Card I closed in XXXX. Further, every month my credit score takes a hit and I have no options to resolve through Goldman Sachs nor Apple. Ive tried for months to contact the customer service centers of both and they tell me to contact the other. This predatory behavior is ruining my financial standing and I am my wits end. Please advise how i can stop Apple and Goldman Sachs from stealing from me and ruining my life.
Consumer complaint received 2024-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Synovus Bank (OH)

On XX/XX/XXXX I sent two ( 2 ) letters via USPS certified mail to First Progress. Certified mail numbers XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX requesting documentation regarding the secured credit card account. I sent two letters because First Progress is reporting as 1STPROGRESSXXXX on my XXXX  consumer report and the address listed on my report is XXXX XXXX XXXX, XXXX XXXX, TN XXXX . First Progress is also reporting as SYNOVUS/FIRST PROGRESS ( CLOSED ) on my XXXX consumer report and the address listed here is XXXX XXXX XXXX XXXX, TN XXXX. So, I sent USPS certified mail number XXXX XXXX XXXX XXXX XXXX to SYNOVUS/FIRST PROGRESS ( CLOSED ) and I sent USPS certified mail number XXXX XXXX XXXX XXXX XXXX to 1STPROGRESSXXXX because the companies are reporting as different names and addresses so I wanted to be sure I was reaching my intended party. 

SYNOVUS/FIRST PROGRESS ( CLOSED ) received the letter ending in XXXX on XX/XX/XXXX at XXXX and 1STPROGRESS/XXXX received the letter ending XXXX XXXX on XX/XX/XXXX at XXXX. 

To date, XXXX PROGRESS or XXXX has not responded XXXX my request. 

As of yesterday XX/XX/XXXX, I received a text message at XXXX and an email at XXXX from a company by the name of XXXX XXXX XXXX XXXX which I will attach ) claiming they are a debt collector contacting me regarding my Synovus Bank account XXXX Now, I have no clue who XXXX XXXX is or why they even have my phone number or email address when I never gave them my information. They also claimed in their email that the original creditor is Synovus Bank but the current creditor to whom debt is owed is XXXX XXXX XXXX. This is extremely confusing to me as I do not have any idea who XXXX XXXX XXXX is OR who XXXX XXXX XXXX is. I have never done any business with either of these companies so can someone at First Progress explain why this debt collector is privy to any of my personal private information without my consent?

I am requesting, for a second time, First Progress to send me any and all documentation regarding the account. If you are going to claim a debt collector is handling the account, please let me know who the debt collector is and also send me EVERY piece of documentation you sent to the debt collector regarding the account and my personal private information- especially the documentation that proves that debt collector- XXXX XXXX XXXX has the authority to attempt collect any amount of from me. 

Please respond via USPS mail.
Consumer complaint received 2023-10-18
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. (NV)

I am writing to express my deep concern and frustration regarding the inaccurate and damaging information that has been reported to my credit report. Despite my efforts to resolve this issue by reaching out to both the credit reporting agencies and the companies responsible for the improper items, I have received no meaningful assistance or resolution. 

I have recently discovered several items on my credit report that are not a result of my own actions or financial choices. These items appear to be the consequence of either improper reporting or, even more alarming, identity theft. This situation has had a detrimental impact on my creditworthiness and my ability to access financial services and opportunities. 

I have made diligent attempts to address this matter by contacting the credit reporting agencies and the companies associated with these improper items. However, my efforts have been met with limited cooperation, and it has become evident that I require external assistance to rectify this situation. 

I am deeply concerned about the potential consequences of these inaccuracies, which extend beyond my financial stability and affect my overall peace of mind. I rely on my credit report to accurately reflect my financial history and to protect me from the adverse consequences of identity theft. 

I kindly request your prompt and thorough investigation into the improper items and identity theft concerns that have infiltrated my credit report. The impact on my life is substantial, and I am relying on your expertise to help me resolve this matter. 

Please provide me with a clear outline of the steps you intend to take to address these issues and the expected timeline for resolution. Additionally, I kindly request written confirmation of any actions taken to rectify the inaccuracies in my credit report. 

I am hopeful that your intervention will lead to a swift and satisfactory resolution to this matter. The inaccuracies on my credit report must be corrected, and I implore you to take this matter seriously. 

Thank you for your attention to this pressing issue, and I eagerly await your response.
Consumer complaint received 2023-07-24
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: LCI Acquisition Inc. (SC)

I did not give LCI Consumer Center my writing instruction to report any items on my XXXX consumer report. This section is very clear that LCI must have my written instruction and they don't have it and i didn't give it. This is pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 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 the written instructions of the consumer to whom it relates.
Consumer complaint received 2018-05-18
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: MARINER FINANCE, LLC (FL)

I received a call or email several weeks ago about a loan promotion. I didn't inquire right away until several weeks later. So I called to find out the promotion she explained it over the telephone and I made an appointment to go in and apply and take income verification documents the next day. 

I called to cancel my appointment that I didn't want to apply for the promotion. 

I then get an alert from XXXX that a hard inquiry was made on my account. I couldn't think where that hard inquiry came from at first. 

I checked my credit report to see and it was that loan company. I called and spoke to the manager and asked did she pull my credit report without my permission and she said it was a soft pull that her company could do. 

I told her I was looking at my report and I haven't had a hard pull since XX/XX/XXXX and now I see one on XX/XX/XXXX from her company. I told her I did not authorize her to make a hard inquiry on my credit report. 

I only made an appointment to come in to apply for the loan and bring in the documents required to apply for the loan. 

She told me she would delete the inquiry but I checked my credit report this morning and it has not been deleted.
Consumer complaint received 2023-10-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

When making attempting to complete the final {$34.00} of my monthly minimum payment for my Bank of America credit card in XXXX of 2022, the payment had been returned due to insufficient funds in the account attempted, which then lead to my credit card payment becoming 30 days late as a result. This was during a period financially where I was still experiencing hardship* from the COVID-19 pandemic, and continued difficulty obtaining new employment as a result. They then closed* my credit card immediately. I had maintained this credit card account for 10 years up to this point with XXXX late payments, and for my account to be closed immediately after XXXX late payment is disgusting. The reason being, is I paid not only the amount remaining for the minimum payment off within days of this occurring, I then paid off the entire $ XXXX balance off within the next week or so. My largest issue is that upon the return of the payment due to insufficient funds, I was NOT NOTIFIED of the returned payment. There was NO email communication, NO phone call, NO automated text, and NO notice by mail*. The ONLY communication I had received was that the credit card had been closed, after the fact, via mail. I submitted a complaint through the XXXX which Bank of America did reach out to me to inform me of the reasoning behind the actions, which I still do not agree with. Had I been notified AT ALL of the returned payment, I could have made accommodations quickly to avoid the payment becoming 30 days late, not to mention them taking it upon themselves to CLOSE the credit card ENTIRELY, since both of these actions affect my credit file TREMENDOUSLY. There has to been some regulation or law requiring them to provide a warning of actions taken against me if certain actions aren't taken to remedy an issue with a credit card account when then repercussions are as large as closing a credit line ENTIRELY without* warning.
Consumer complaint received 2024-10-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (WI)

I received a call from the collection agency which stated they were a law firm they threatened to garnish my wages and sue me for double the amount plus attorney fees for a debt that is XXXX XXXX XXXX and for a credit card that I currently have that is in good standings. I got scared after they threatened me and set up a payment plan but now knowing that my financial information was found on the dark web this collection may be fraud
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Number : XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (AL)

When I pull credit as a mortgage Loan officer, Equifax has a trigger lead service that allows a ton of other mortgage lenders to contact my Member. I have no idea how this is legal as they member authorizes us the credit union to pull credit and had reached out to us and not these other institutions. I get calls daily from members that I pull credit that complain about this topic. I do pre warn them and send them the opt out form but it takes up to 5 days to stop and by that time they are irate. This practice needs to be made illegal.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: REGIONS FINANCIAL CORPORATION (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXXXXXX REGIONS BANK XXXXXXXX XXXX XXXX XXXX XXXX, AL, XXXX To whomever it may concern : I am writing regarding an issue with the way you are reporting this account on my credit file. I have noticed that your company has reported to the bureaus that my account was charged off. According to the Federal Fair Debt Collection Practices Act, I have a right to have the alleged debt validated by you. I respectfully request to be provided proof of this alleged item, specifically the contract, payment history, note, or other instrument bearing my signature. 

REGIONS BANK Account Number : XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. 

REGIONS BANK Account Number : XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report.