davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-23
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)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reported on my credit report. I received a copy of my credit report and to my surprise, I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

7. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account. 

8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

10. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  XXXX Account Number : XXXX Delete this account. 

11. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

12. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

13. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

14. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2023-05-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (TX)

I turned in notice to my apartment/townhome as per the lease. I had 1 month on lease, I asked if I could turn in keys early, they said yes. I tried to pay last month of lease, which was about {$1200.00}. They said I would receive a bill and they would subtract my deposit etc. The bill I got was not correct and I did not break my lease, the bill was for {$5300.00}. I fulfilled everything I was supposed to do and I could not pay this amount. The apartments leased the apartment the next month. They are out nothing. This amount is not correct and should be removed entirely from my credit bureau. This is deceptive practices by the apartments and collection agency.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have business account with XXXX and XXXX after 7 years of being open, they decided to give my business a credit score using my personal credit score. The problem is the personal credit score is WRONG. XXXX knowingly replace my credit report with some made up information. I have one physical copy of my credit report and I also have a copy of the credit report they presented to XXXX which produced a low 500 score. I also have XXXX XXXX XXXX XXXX and they using transunion. After contacting transunion, they decided to dispute all accounts on behalf which was 3 that was giving me a negative score. Including a balance of XXXX that pop up on my credit with XXXX XXXX, that no one knows where it came from. XXXX, says not theirs and they can't even see the balance. 
XXXX XXXX says they didn't do it and don't know why its their. Yet, its still their. I'm finding Equifax has me down for XXXX score. Why, I have no ideal, but I haven't added any other accounts to my credit score. I know I shouldn't be in no 5 or 6 anything. I'm sending my screenshots as proof.
Consumer complaint received 2024-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (IA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), using my identity as the primary card holder, Social Security Number on the automated system. 
XX/XX/year> called Care Credit/Synchrony Bank , to find out my ex wife used an impersonation of myself to close the account without authorization. Im looking for them to push charges further, and hold my ex-wife accountable to her actions. 
actions that were taken by you or the company. 
Actions taken by Synchrony Bank Synchrony bank let me know that the Care Credit account ending in XXXX was closed XX/XX/year> and was past the 24 Hour time frame and could not reopen the account. 
Refused to give me the documentation needed to support me in calling the 3 credit Bureaus Provided my with the phone numbers to call the 3 credit bureaus Actions taken by Synchrony Bank XXXX XXXX XXXX on the phone, to call XXXX ( Tried to get off the call/transfer to a random manager ) Stayed on the call with XXXX XXXX Listened to The XXXX XXXX state that this is not best practice, and they needed/need to provide me, the client with a reinstated account, due to special circumstances of the ex-wife closing the account, an escalation number, and told me to filed a complaint with the Consumer Finance Protection Bureau or CFPB . 
Description of Fraud : Ex-wife and I are getting a divorce. The account was paid off and closed. This prevented me from having access to my credit line, and would report negatively on my credit score to get a home for the kids/I.

A detailed account of the fraudulent charges Detailed account of fraudulent charges/activity Bills were paid to fulfill the change of closing the account {XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When you noticed the fraud and when you last used the card. 
I noticed this change on XX/XX/year> Called Synchrony Bank immediately. 

Actions Taken : Any steps you've already taken, such as when I reported to my bank / credit card issuer Looked for any communication between XXXX that she would look to make changes, there is none. 
I called Synchrony Bank to learn the details of the last transactions on the account, who closed the account, with what information, when, and their phone number. 

Documentation : Copies of any relevant documents Upload Documents from XXXX Drive/Computer Request for Action : What resolution you are seeking In Writing ; documentation that the Authorized, not primary user, using ( XXXX ) XXXX used impersonation of XXXX and his SNN on the automated system to shut it down. 
Im seeking the resolution of a reopened account based on special circumstances Im seeking : Reopen the line of credit due to special circumstances. Wife closing account for husband without permission of him/the primary account holder. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I file a complaint because I did not consent to, authorize nor benefit from any of the following inquiries or accounts. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL (CA)

1. It is Synchrony Bank.

2. on XX/XX/2023, Synchrony Bank put a restriction on my saving account and money market account and the reason is to review an activity on the account. I called them and they told my that they want to make sure there is no suspicious activity. It already went through first review and now it is under second review and this could take up to 30 days. 
The whole thing XXXX XXXXXXXX since there is no suspicious activity on the account and they told me that the " back office '' is reviewing this and the back office does not take phone call. They have done this to other customers in the past and I know why they do this : they hold on the money as much as possible to take advantage of people 's money so that they invest in those money. Here is a link to the same problem that other people had in the past : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please I need your help in resolving this problem as soon as possible.
Consumer complaint received 2023-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (OH)

Citi would not cancel the Payment Safeguard fee that I asked them to cancel. They insisted it " protects my payments. '' I still asked that they cancel it. I called on XXXX XX/XX/2023 at XXXX. I wanted to know why I was being charged XXXX cents on a XXXX balance. 

I similarly called a few years ago and was told the same, and then hung up on. 

I found your site and am hoping I can be refunded all the fees Citi has charged me over the years.
Consumer complaint received 2023-04-14
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: EQUIFAX, INC. (TX)

I have disputed this account with XXXX and was removed from my credit report only to come back as a collection account by XXXX XXXX, I have never received any validation of debt because I have never lived at the address of the alleged account, leave contacted XXXX to inform them of the collection account I was informed that the account is no longer owned or reported by them I should contact XXXX XXXX for removal and I have been back and forth for the past 4 years. 

Fraudulent unauthorized credit inquiry by XXXX XXXX XXXX card services.
Consumer complaint received 2024-10-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (GA)

I have on multiple occasions reached out to this collector that is reporting negative information on my credit report stating I wanted this debt to be verified by providing me with the original contract with my wet signature that shows I owe this debt to them and that they are within 100 % of their rights to collect this debt from me or to report it on my credit report without my permission. I also requested they provide the method in which they used to verify this debt. I have never received any type of response let alone the information I have requested.
Consumer complaint received 2023-05-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (FL)

Good afternoon, Wells Fargo Auto caused damages on my car during a repossession process ordered by them, who executed that order was " XXXX XXXXXXXX XXXX '' who used a XXXX  tow truck with which they dragged my car, damaging part of the transmission system, the tires and the back bumper of the car, the damage was serious because the wheels were locked due to a lock that the car has when the key is not nearby. In order to recover my vehicle I had to pay the outstanding fee to the bank and the repossession ; a bank representative said that I could go to the auction yard in XXXX to pick up the car ; On XX/XX/2023, I went to that place where I found several damages in my car ; Before removing the vehicle, I called the Bank to report the damage and file a complaint. I filled out a form there indicating the damages that I could see. At the present date, the Bank does not want to be responsible for the damages caused in my car, 3 months have passed since I filed the complaint and they have notified me 2 times saying that the damages were caused by me and that they are not going to make any repairs to my car. I can not use the vehicle due to the damage it has had since I pick it up from the auction because it is unsafe and dangerous to drive it in these conditions. The Bank says that I have to continue paying the car loan. Since the date I went to pick up my car, I have filed several complaints related with this issue with Wells Fargo Auto and they do not want to be responsible for what they caused, Wells Fargo Auto hired " XXXX XXXXXXXX XXXX '' to recover my car on their behalf, causing the damages described ; " XXXX XXXXXXXX XXXX '' says that they have nothing to talk about with me, that they were hired by the Bank and they give answers only to the Bank. The Car was transferred to the XXXX XXXX auction where I went to pick up my damaged car and filed the complaint ; I need your help, thank you very much.
Consumer complaint received 2024-10-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (OH)

This letter is being sent to you in response to a listing on my credit report. This not a refusal to pay, but a notice to request validation. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to reque validation of the debt you say I owe you. Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that! have some contractual obligation to pay you.
Consumer complaint received 2023-04-23
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)

Dear Consumer Financial Protection Bureau, To my surprise I have a late payment registered ( 3 days late, my payment was set to autopay by me, as always ) on my consumer report by XXXX XXXX XXXX, but I wasn't late nor have I ever had a late payment in my 29 years of life. 

This is causing significant damage to my personal life and maXXXX cause me to not find any housing and end up homeless. I have sent a handwritten letter addressed to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, DE XXXX XXXX. 

I have not gotten any progress. I kindly request that you aid me into investigating this issue, and help me get this fixed on my report. 

Kind regards, XXXX XXXX
Consumer complaint received 2018-07-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

RE : Overcharging for Escrow Account Shortage Account According to the SLS Mortgage Statement for XX/XX/XXXX indicates that my monthly mortgage payment is {$2900.00} which includes {$1200.00} for my escrow balance. The {$1200.00} includes {$800.00} credited for my XX/XX/XXXX shortage escrow account and {$400.00} credited toward my current escrow for XX/XX/XXXX, this is the information from an SLS mortgage statement dated XX/XX/XXXX. The SLS online account indicates that the only escrow balance is {$750.00}. Why am I being charged more than the balanced due for my current XX/XX/XXXX escrow and XX/XX/XXXX shortage escrow account? 

I have contacted your customer service department a number of times and have not received an accurate response.

Your immediate attention to this matter would be appreciated.

~Concerned Consumer c : HUD Consumer Financial Protection Bureau ( CFPB ) Complaint Dept.
Consumer complaint received 2023-04-23
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (AL)

I opened a dispute for services not rendered with carecredit in XXXX for XXXX The business verbally agreed to request full refund from corporate because the doctor went on leave and no one could tell me what was done before XXXX was aborted due to the power outage but later deciding only to partially refund XXXX. They said I have to request the medical records to see what was done that per the clinic manager who could not tell me anything nor another surgeon when I was at the facility that part of the XXXX was complete. They are charging me for loss of revenue due to the outage the XXXX  report reads infiltration start XXXX and aborted XXXX due to power outage. The business does not have generators only batteries so it was impossible to complete anything if an unexpected power outage occurred but the batteries would allow XXXX  time to safely stop. I ended up paying the card off so it wouldnt hurt my credit expecting a charge back. I just recently in XX/XX/XXXX found out it was closed due to the merchant providing a receipt. So the rep reopened the dispute and it was closed again without explanation so I was told to submit an appeal letter I included medical records from the merchant that the procedure was aborted due to power outage on XX/XX/XXXX. Was told it was closed as well with no explanation. Then I got a letter saying my account balance is XXXX which I know because I paid it. If I report services wasnt rendered how is a receipt sufficient evidence from the merchant. The merchant makes you pay 2 weeks in advance if your paying with a card they dont bill you after the services are rendered. The operative report XXXX  signature looked forge I included prescription to see the difference in XXXX  signature I only had XXXX XXXX. I have more medical records, and emails where I have been trying resolve this with the merchant for the past XXXX yrs they are trying manipulate me into getting the XXXX finished instead of refunding me saying that no other doctor is going to touch another XXXX  work but one at their facility agreed to. They have been rude saying did I prefer they didnt stop XXXX or telling me the contract was void when the power went out so I dont have a valid contract and they rewrote one while I was unconscious and unprofessional on the phone and asked them to put it in writing they say they rather speak on the phone.I cant communicate with them when Im being treated poorly how can they expect I can trust them.
Consumer complaint received 2023-05-08
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureau must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2023-05-17
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. (GA)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-04-23
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)

I have asked the credit bureau to do a verification of everything on my credit report and they did and stated that everything was accurate so I did a thorough research myself and found improper inaccuracies on my report after the research. 


XXXX Account XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, 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 instruction.
Consumer complaint received 2023-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (GA)

I have been trying to make my payments on line for over 6 months!!! Every time i try to log onto Destiny i put in my log in name & password. Then i get a note saying they do not recognize me. Then for me to try to reset my password. I constantly try & this is what i get : " This information does not match our records. Please try again or call for technical support : XXXX. '' So i call them and i hear the same old news, their representative says they have been updating their system for over 6 months!!!! 
All of this occurs on my due date, which of course i never get thru and they keep putting late payment charges of at least {$40.00} PLEASE CONTACT THEM ABOUT THIS. IT'S BEEN GOING ON LONG ENOUGH. I THINK THEY ARE CAUSING OUR ACCOUNTS TO GO INTO LATE PAYMENT PURPOSELY TO COLLECT LATE CHARGES...
Consumer complaint received 2024-10-23
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (CA)

XX/XX/year> Loan was for XXXX - when I got it the lady said it would be XXXX to pay it back, now they say I owe XXXX also on loan overview they show principal as XXXX ( not XXXX ) w/payments of XXXX per month