davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (GA)

In XX/XX/2023 last chance, funding decided that they were going to send a XXXX document with a threatening letter to multiple companies against my business and me personally. One of these companies with PayPal and synchrony bank they fell for it. They took the threatening letter and they froze my account starting in XX/XX/2023. They froze my account and made it impossible to make payments to anyone including synchrony bank. Including my paying for on PayPal. They then decided that they were going to report three illegal late payments to my credit. These payments would not have been late if they were able to be made if the accounts were not illegally frozen. My PayPal synchrony account, as well as my PayPal account were frozen without a garnishment judgment or Levy from any legal establishment. And the late payments are erroneous. Being banned from being able to make payments for six months until the lawsuit was settled in XX/XX/2023 when Ive been very promptly paid everything in full they now refused to remove the late payments even though they legally froze the account and kept me from making payments. I want the late payments removed from my credit report. As they were illegally obtained. The accounts werw illegally frozen. PayPal and synchrony bank conspired and participated in this fraud.
Consumer complaint received 2024-06-17
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. (CA)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 


XXXXXXXX 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 2019-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CO)

I froze my credit file with all three major credit reporting agencies back in 2006. I had some practical issues unfreezing the credit reports last year. This year I contacted all three credit reporting agencies via U.S. Mail ( see attachment ), asking them to check that the information they had on file was up to date. I also asked them, very clearly, to keep the freeze on my credit file. I also asked them for clear updated instructions on how to unfreeze my credit file, if that need were to arise sometime soon. These actions on my part are good standard practices to prevent fraud and identity theft. 

XXXX and XXXX responded adequately they got it right. Experian did not only get it wrong, they got it BACKWARDS! Think of backwards as being super-duper wrong. Extremely nonsensically wrong. So wrong that a thinking person would curl up in a corner and die of embarrassment for being stupid. Experian permanently removed the security freeze on my credit file!!! Now instead of having my credit file safely frozen, they've opened it up for the whole world. This is exactly the opposite of what I wanted to be done. I'm not going to charge them any money, at this time, for pointing out a terrible flaw in their business system of correspondence via U.S. Mail. 

Additionally, they allowed an incorrect XXXX XXXX XXXX to be available on the Internet. Having the wrong XXXX XXXX # caused a 2-3 week delay in communicating with them via U.S. Mail. It was very difficult to find someone to talk to at Experian to finally get the correct XXXX XXXX  #. 

Experian should not be allowed to hide behind some defense of incompetence or error. Let 's be honest, Experian loses money on credit freezes and will do almost anything to discourage and confuse consumers into properly using credit freezing/unfreezing options.
Consumer complaint received 2024-07-12
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: Experian Information Solutions Inc. (MA)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-05-17
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. (PA)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (CT)

Violations Of my Obligations Under the Privacy Rule. Santander Consumer USA with account # XXXX, opend on XX/XX/year>. Santander Consumer USA share my XXXX with non affiliated third-party without my exceptions creating actual damages to my credibility, Santander Consumer shares my payment history without giving me an " opt - out " notice explaining my individual rights to direct me not to share my NPI with XXXX nonaffiliated third-party, I am asking Santander Consumer to provide a copy of my privacy notice and, an " opt - out " notice that I have agreed upon on XX/XX/year>, therefore I am asking Santander Consumer to uphold there statuary obligations to share my transaction history.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (WA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-05-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (AZ)

From last XXXX ( XXXX ) until this XXXX ( XXXX ), I have a lot of unknown transaction from XXXX. As soon as I realized them, I filed claim but XXXX denied the case. I gave them additional documents to make them re investigate. But they denied agian the claim. 
Especially XX/XX/XXXX, there are 22 transactions from XXXX in a row. I never ever paid that much transaction from XXXX. I have a car so I ve never used XXXX before. Please help me I need your help
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX ha violated my rights.

15 USC 1681 Section 602A states I have the right to privacy 15 USC 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 USC 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 2024-07-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: SANTANDER HOLDINGS USA, INC. (TX)

In XXXX, I requested my credit report and I noticed multiple unauthorized fraudulently opened accounts. I've reported them as fraud with my credit bureau 's and I have also reached out to the banks these loans are from to report this as fraud. Some of these accounts date back to 2017 when my wallet was stolen and my identity has been compromised.
Consumer complaint received 2024-05-17
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. (GA)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2019-05-08
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. (GA)

I went to get a loan for school from my bank and was denied. I should not have been denied. I went a pulled my credit and there are some items on there that are not mine. Please remove XXXX XXXX XXXX, XXXX/XXXX. XXXX/XXXX  and XXXX XXXX. There are three bankruptcy showing on my Transunion. I have never filed banktruptcy. Please remove those bankruptcy as well. I have contacted the FTC and my local police. I'm doing this on my own.
Consumer complaint received 2023-03-23
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. (CA)

My name is XXXX XXXX, this complaint is not made in error nor 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 account. 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. Please delete the account below from my report : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

I have been trying to get a car with XXXX and they are unable to give me financing terms because they can't see or pull my Experian credit report I believe my file is still mixed like it was last time. 

Case Number is : XXXX
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (VA)

Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/year> ) Account # XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/year> ) Account # : XXXX Routing # : XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report.
Consumer complaint received 2024-05-19
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: Experian Information Solutions Inc. (CA)

Data was compromised and a fraud alert was put onto my credit reports. 
These inquiries should not be reporting as part of that alert. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-17
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. (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 15USC 1681. 
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 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 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 U.S.C XXXX section XXXX A : States I have the right to privacy 15 U.S.C 1681 Section 604 A : Staes 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 consumer report containing any of the following items of information any other than adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15U.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 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (VA)

I have unfreezed my credit report numerous times. However, everytime I apply for credit or a credit limit increase I'm declined because they can't verify my credit reporting information. Equifax keeps saying I don't have a payment history. That's not true. I have 3 credit cards that report to all three credit bureaus. Equifax isn't reporting my credit report accurately and I have a bunch of inquiries due to companies not being able to verify my credit information.
Consumer complaint received 2023-09-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

I AM NOT INTERESTED IN MORTGAGE ASSISTANCE. 
if the woman who opted to send me the documents wouldve told me that I was going to be restricted from making payments upon reviewing my options I wouldve never agreed to receive the information. 

I made a promise to pay on XX/XX/15. Upon logging in to make my payment I was restricted. I couldnt make my payment via phone and the weekend came. It is now XXXX morning and I am on the phone with someone who is telling me I can make my payment however I have never accrued a {$90.00} late fee. I am extremely disappointed in XXXX XXXX. This was supposed to help me and instead tied my mortgage up so much that the only way I can remove this status and regain access to online features is to pay two months. I have never been late on my mortgage and in all the verbatim scripts the woman read me that told me about mortgage assistance she didnt mention once that I wouldnt be able to make my payments. All because I asked to pay half on my mortgage on the XXXX and the rest on the XXXX. Ridiculous. I cant wait to tell everyone about XXXX XXXX inability to help customers. Sounds like yall would rather kick people when theyre down. Cancel the app, Im not interested in any Help yall offer if it isnt waiving that {$90.00} late fee that you mislead me into accruing.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

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 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

Maintaining timely payments for this account has been a consistent practice, making it distressing to encounter issues that are not of my making. Urgent rectification of my account and removal of any erroneous information causing undue stress are strongly requested.
Consumer complaint received 2024-05-17
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. (TX)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 


XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX Inquiry XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

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 XXXX  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 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 XXXX 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 2023-09-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (TX)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.