davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-19
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. (GA)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared. I have not benefited from any of these transaction. I believe I am a victim of Identity theft. Please block, delete and remove them immediately from my consumer report. 
Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Also, they aren't even in compliance with XXXX XXXX credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (AL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2019-07-02
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: CITIBANK, N.A. (FL)

Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. 
ACCOUNT NAME : XXXX/XXXX  XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX   AND XXXX. 
ACCOUNT NAME : Us Bankruptcy Ct., ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX  AND XXXX  .
Consumer complaint received 2019-07-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jim Bottin Enterprises, Inc (NY)

To Whom it may concern, I am member of retro fitness and for almost a year i didnt use their service while they were taking from account on a monthly basis of {$22.00}. I reached out to the GYM to cancel my service they say i cant i have to reach out to ABC Financial. I reached to ABC financial to cancel my service since I am not using a service which i am paying for for more than a year. they told I cant cancel my service like I have to mail in a letter of cancellation to them and it would take up to 3 months for my service to cancel and I find that not just because you are still incurring a monthly cost while you are trying to cancel my membership. 
In addition this was not stated upfront when you join the GYM as a known fact to all members Thanks XXXX
Consumer complaint received 2024-06-19
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. (TN)

There is inaccurate info on my credit report by a third party company that goes around buying peoples debt from apartment complexes. They are called XXXX XXXX XXXX. they are trying to collect XXXX and increasing this inaccurate debt every month. I have a document showing that I only owed XXXX and a receipt showing its paid in full. I submitted this to TransUnion and a week later hired a credit repair company to do the same. I told the agency in addition to the certified mail that I personally sent with those documents to TransUnion the reason for my dispute which is that this acct has been paid in full. I never disputed the accuracy of the account meaning that it did not belong to me. I waited 45 days and was sent a email stating they had completed my dispute. I call TransUnion and they tell me that everything is accurate and nothing is being deleted. I asked how that could be when there was supporting evidence to show. The agent told me that they only investigated the accuracy of ownership meaning they only verified it was my name and date of birth ( ownership ) was his exact words. I said thats not what the dispute was about obviously I sent in documents to show the issue. He said well you will have to file another dispute and it will be 45 days. I had more than one dispute and the agent at TransUnion said all of the disputes were only investigated for ownership. I said that is not what was asked of them to investigate.This account has not only ruined my credit but I can not get a place to live because of having it on there. I have provided the info and in addition to myself the credit repair company sent electronically the dispute with the details of how this amount is paid in full. They are only investigating ownership when I disputed the inaccurate info so they are going to not only ignore the dispute info and not do their job but they are going to continue reporting inaccurate info on me. I caught them in a bold face lie and if they are doing it to me how is anyone ever going to know if they are not doing it to millions of other people. The options for dispute are ownership, paid in full, never late etc why offer options if they only going to check one thing only and keep on reporting lies. Who holds them accountable and why are they not made to supply proof of what they fo in the dispute? This is illegal and disgusting and I want these people held accountable in addition to removing the lies off of my credit report that I proved are lies.I want this to be investigated
Consumer complaint received 2024-08-22
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (KY)

Every time I pay a large payment they lower my credit limit. My credit is now over XXXX points higher than it was when I got the card XXXX years ago with a {$1000.00} limit. It's now {$100.00} and I have never missed or been late on any payments. 
When I called XXXX they said to call XXXX they make the decision. 
They site my balances are too high and I have a less than a 9 % utilization rate. They also said lack of mortgage however it says my credit mix is " exceptional " on my report.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

i have an account with Capital One, after reviewing my statement i have notice that additional interest was accessed on the account after the XXXX statement was paid in full on XX/XX/year> and the due date is XX/XX/year>. 
I called the customer service line on Saturday, XX/XX/year> at XXXX and the representative i spoke to is rude and can not explain why the additional interest was applied to the account. Not only she is talking over me but hang up as well. ( unacceptable behavior ) i called again and spoke with supposedly a supervisor by the name of XXXX, i ask her to review the call of my encounter with the employee who is rude, but she claimed they do not have the recording and can not review it ( it's a lie as the beginning of the call, there is a disclaimer that the call is being recorded and monitored ). 
My XXXX Statement has a balance of {$1800.00} that is due on XX/XX/year>. I paid the balance in full on XX/XX/year>. Interest has already been applied in the amount of {$30.00} posted on XX/XX/year>. Interest was applied again on XX/XX/year> for {$8.00}. 
Her explanation state that the additional interest was applied from the XX/XX/year> to XXXXin which it does not make any sense. see attached documents
Consumer complaint received 2024-06-27
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: EQUIFAX, INC. (GA)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I am writing to formally request the removal of a charge-off account from my credit report. The charge-off is inaccurate or unverifiable, and as such, it should be removed in accordance with the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (FL)

I deposited a cashier check in the amount of XXXX. I sold my food truck and was paid with a cashier check from my client. I then deposited the check in my navy federal account and now they are telling me its fraud and they will not release my funds. Ive deposited this check XX/XX/XXXX. And it has cleared and not returns or fraud was committed. They are just holding my money for no reasons. I have responsibilities and Im risk of losing a lot if I dont get my funds.
Consumer complaint received 2019-07-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (PA)

I applied for and was approved for an online loan thru Amplify Funding. The loan was presented as an installment loan however, when the payments began to be drafted from my checking account I quickly realized this was a payday loan with extremely high rates/finance charge. I called and inquired about the loan and was advised I was locked in and had to pay the entire amount indicated on the extremely long contract. I was able to pay back the 1st loan with Amplify Funding but I had to reapply to be able to pay other financial responsibilities and feed my family. I was having a discussion with a friend and they advised payday loans are illegal in the state of Pennsylvania and I was advised to contact CFPB to see what my rights are as a consumer and to see if I can possible be responsible for paying the principal of the loan only. My loan/lender information is as follows : Amplify Funding - XXXX Amount Financed : {$1700.00} Annual Percentage Rate Charged : 683.98 % Finance Charge, the dollar amount the credit will cost me : {$4100.00} Total Payments, the amount I will pay after all payments are made : {$5800.00}
Consumer complaint received 2024-08-26
Product: Credit card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (CA)

Received an alert for a hard inquiry from SYNCB/TJX CO XXXX I did not apply for a new line of credit, my credit was used unauthorized. Called the company to ensure line of credit was not opened, I was informed the application was denied. Proceeded to freeze my credit and place fraud alerts.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-07-11
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: EQUIFAX, INC. (FL)

Subject : Dispute of Unauthorized Hard Inquiries I am writing to formally dispute several unauthorized hard inquiries on my credit report. Upon reviewing my credit report, I noticed the following inquiries, which I do not recognize and did not authorize : I am concerned that these inquiries may be a result of identity theft or an error in reporting. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. Therefore, I request that you investigate and remove these unauthorized hard inquiries from my credit report immediately. 

To assist in your investigation, I have enclosed copies of my credit report highlighting the disputed inquiries, as well as any relevant documents that support my claim. Please notify me in writing of the results of your investigation as soon as possible. 

If these inquiries are not removed, I would like an explanation of the reasons for your decision and the name and contact information of the creditor or business that made the inquiries. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX [ Enclosures : Copies of Credit Report, Identification Documents, Supporting Documents ]
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-13
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: EQUIFAX, INC. (FL)

I am not aware of any such inquiries, thus it looks that this one is unauthorized and maybe false. Please act right now to resolve this problem. For more information, see the materials that are attached.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CO)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2023-11-27
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MI)

On XX/XX/XXXX I submitted a credit card payment Synchrony bank stated that my payment bounced and there was insufficient funds in my bank account so I resubmitted my payment and it went through that time on XXXX XXXX on XXXX XXXX. I got a notification from a third-party that they closed my account and they failed to notify me until XX/XX/XXXX, I have been trying to contact them to get information I have never once missed a payment and have always paid my payments early and have been a loyal customer. They stated they closed my account out because. Of that payment being bounced synchrony bank keeps hanging up on me there customer service doesnt know what to do. They cant get into my account. They cant give me any information. Their collections department cant get into my account either and cant give me any information I requested. all they keep saying to me is please make a payment and thats it. They are reporting it to the credit bureaus as a negative account now and this has affected me majorly and dropped my score XXXX points personally an emotionally affected me and affected me buying a home
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC. (ID)

Equifax has once again placed a XXXX debt from XXXX on my credit report, lowering my credit score by XXXX points and causing actual harm to my health because I am now unable to qualify for the credit I need for a necessary XXXX XXXX. Regardless of your business relationship with XXXX, you must permanently delete them from my credit file and never again allow them to place XXXX debt on my credit report. Equifax removes XXXX for many months, and then suddenly, when I apply for credit with other companies, XXXX appears again. The debt was XXXX a year ago. Remove them.