davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-01
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: Fidelity National Information Services, Inc. (FNIS) (CA)

Did you understand what I just told you guys? Are you guys that ignorant and that stubborn to understand what my complaint was, I never mentioned about opening the account with Chex XXXX. I was referring to a bank checking account. I know you are not a bank checking account what I was insinuating was that I will not allow me to log in or register a username with your company because someone on your behalf is already registered with my personal information.. Yes Chex XXXX  Like the snack bag thats all you really are!! You guys are supposed to be one of the most secured and reliable. In reality, so arrogant and stubborn to even understand what my complaint was and you responded to my complaint, without addressing or understanding what my complaint is, I could not register or make a username or make an account with your company, because you decided to let a criminal and fraudster register an account pretending to be me. How sad maybe I need to embarrass you guys on social media for you to understand what is going on Chex XXXX? You are far from Chex system. So I hope you understand the moral of the story now. I could not register a username with your company because your company is Chex is not secured, so are you a high rank credit monitoring system, but is still allowing a criminal, a fake frudster, pretending to be me to register an account with your company And destroy my credit and manipulating your system then that is a big big problem. Im documenting all this
Consumer complaint received 2024-02-21
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 (CA)

On approximately XX/XX/XXXX, my Paypal account was compromised and altered along with my corresponding Paypal Credit account held by Synchrony bank. In order to resolve the issue, the old Paypal login was closed down. Since then, I have made various calls between XX/XX/XXXX and XX/XX/XXXX to Paypal and Synchrony Bank ; but neither Paypal nor Synchrony Bank has been able to link the credit account to a new paypal login or have provided me with a reason as to why that is, despite continuing automatic payments. I have no access to use credit account and any attempts at assistance are fruitless. The automated phone system used by Paypal is unhelpful and frequently loops through various options which inhibits any attempts to get help.
Consumer complaint received 2024-03-01
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC. (SC)

This is ridiculous your client and I were already in a dispute because of actions that they took well they should have informed you. If they didn't that's on them you sent me too messages and im pretty sure I've told you to cease and desist and you complied but apparently you went out of your way to text me. This is harassment. I already have enough on my plate and on top of that suffering from a possible XXXX XXXX I would like to live my life in peace
Consumer complaint received 2024-04-16
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: Experian Information Solutions Inc. (VA)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-04-16
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. (TN)

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.

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 XXXX 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 2024-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have submitted 2 previous complaints regarding the internal block Transunion has on my right to access my right to dispute and view my Transunion credit report on line. This matter has hindered my ability to also have an account timely monitored and disputed. My first complaint was filed on XX/XX/year> and the company replied. As of todays date, Transunion has not followed thru with any of the steps stated. See attached.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (IL)

It has come to my attention that both XXXX XXXX XXXX and Midland Credit Management are illegally reporting nonpublic private information on my consumer report. I have made them aware of this problem and also filed the appropriate FTC report in regard to the information being reported. This information is required by law to be blocked within 4 days of this notice or else a lawsuit will be filed.
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)

I have several addresses and inquiries reporting on my credit report, i've never inquired about nor authorized. 
Several Accounts listed are not mine and are a result of identity theft. Ive filed an FTC report on the matter and have requested proof that such debt is linked to me or authorized by me. Equifax has failed to give such proof. 
Ive also never authorized any company to sell my information. 
I have mailed out dispute letters and have not received any feedback.
Consumer complaint received 2024-05-04
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)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item that I am asking you to verify as accurate : XXXX ( XXXX ) XXXX
Consumer complaint received 2024-02-19
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc. (CA)

Went to the XXXX XXXX on XX/XX/year> to look at cars and potentially do a trade in. They ran my credit and all that good stuff. I ended up not getting anything. The salesman was extremely nice up until the point we said no. He kept showing us these binders that said freeway XXXX has the best customer service and sales and etc. I think he was stalling trying to make us wait longer. He passed off to another salesman or manager. 
They were extremely pushy bc I'm guessing it was the end of the monthso they kept repeating. 

On XX/XX/year> l got a letter in the mail from comenity bank saying congratulations you've been approved for the XXXX credit card. I called the customer service number and found out I had a credit card in my name with a limit of {$1500.00}. I immediately closed it and told the service rep I did not open this account. 
The letter was dated XX/XX/year> the day after I went to the dealership. 
I called XXXX and talked to finance department on XX/XX/year> at the time of XXXX. He said oh sometimes you get auto approved. You shouldn't have a balance. I said I'm aware l 've ready called and closed the card out. He was like what you closed it? You know you get 0 % interest and all kinds of other perks. I cut him off & told him I don't need a XXXX credit card. I said thanks and ended the conversation. Sounds like he was trying to cover up something they shouldnt have done.. which is submit an application for a credit card for someone who didnt authorize it. It appears that because I didnt purchased a car from them, the salesmen or whoever decided to submit me for a credit card. Extremely unethical for any business to do. Credit cards were both opened in my name and husbands name. Although, my last name is not even spelled right. 

I also talked to the consumer customer manager I believe it was. Who basically said the same thing as the finance manager and that he was sorry about my experience. He said that is what they do to get you the car they want. I said the salesman did not say anything about signing us up for a credit card I never authorized that. He said this is a learning experience for the salesman and that he shouldve communicated that to me. When you give your information to run your credit on the phone they give you that is when they sign you up. I could not believe they continued to lie to me and say it was normal. 

Ive been to several dealerships just to look and have never been signed up for a credit card even when they have ran my credit. Ive read several other reviews on XXXX saying the same thing happened to them.
Consumer complaint received 2024-04-16
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. (LA)

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.

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 2023-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have unknown and unauthorized inquiries. I called the creditor and they informed me that they have no record of me on file. I have also written each company a letter and have received no response. These are all unknown and unauthorized inquiries on my credit report that I do not recognize and I have contacted all companies listed. I also want them deleted IMMEDIATELY. This is defamation of my character and livelihood. 

XXXX XXXX XXXX via XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-16
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. (AK)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within XXXX  days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX  days old.
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: SANTANDER HOLDINGS USA, INC. (NJ)

On XX/XX/2024, Santander Bank attempted an auto-withdrawal from my checking account to pay for accrued interest on a HELOC. I was notified via email that there were not sufficient funds in the account to make the payment. On XX/XX/2024, I called Santander Bank  customer service to manually make the payment and was given reference number XXXX. Santander Bank mistakenly applied the payment to outstanding principal instead of accrued interest. When I became aware of the mistake on XX/XX/XXXX, I called Santander Bank and explained the situation. I was given a case number of XXXX by a representative by the name of XXXX. He promised that the payment posting would be corrected in 5-7 business days. On XXXX XXXX, I received a delinquency notice by mail which indicated I now not only was delinquent on the payment of the interest, but {$300.00} had been added in late charges, because, the bank is claiming, I had not made an interest payment within the 10-day grace period. Additionally, the letter indicated the late payment could be reported to the credit bureaus. I called Santander Bank again on XX/XX/XXXX and the representative indicated that the account would be corrected by XXXX that afternoon. On XX/XX/XXXX, with the account still showing as delinquent, I called Santander Bank and spoke to a representative by the name of XXXX, who indicated there was now a Care Case number of XXXX that was issued on XX/XX/XXXX. She indicated that the correction of the misapplied payment had an XXXX ( XXXX XXXX XXXX ) completion date of XX/XX/2024. She also added my request that the late fees be removed.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (FL)

I am Calling in question the The illegal Collection accounts reporting on my XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX Midland Credit Management XXXX XXXX 12 CFR 1006.34 Notice for validation of debts. ( i ) ( B ) ( ii ) ( A ) In the initial communication, as defined in paragraph ( b ) ( 2 ) of this section ; or ( B ) Within five days of that initial communication ; or ( ii ) By providing the validation information orally in the initial communication. I am requesting all credit collection companies provide the Written or oral documentation that I was given notice of the collections Remember documentation must be 1 ) Clear and conspicuous means readily understandable. In the case of written and electronic disclosures, the location and type size also must be readily noticeable and legible to consumers, although no minimum type size is mandated. In the case of oral disclosures, the disclosures also must be given at a volume and speed sufficient for the consumer to hear and comprehend them. I will also need to see the full debt validation The Copy of the Application for Credit : Kindly provide me with a complete copy of the application for credit associated with the account in question. I need to review this document to ascertain the nature of the alleged debt and verify its authenticity. 2. A Copy of the service or loan Agreement with my signature and Any Amendments : I am entitled to see the full agreement along with any amendments that have been made to it. This information is crucial, as it outlines the terms of the contract and dictates the rights and obligations of both parties involved. 3. Monthly Statements from XXXX Balance to Final Statement : I request copies of all the monthly statements from the time the account had a XXXX balance up to the final statement. This will enable me to review and analyze all changes, payments, credits, and other activities on the account, cross-referencing them with the agreement to ensure the accuracy and correctness of the amount being claimed. 4. The Full Purchase Agreement Between Original Furnisher or Furnisher in Chain : I demand a comprehensive copy of the purchase agreement between the original furnisher or any subsequent furnisher in the chain the purchase agreement should outline legally binding document that parties in a transaction use to stipulate the terms and conditions that will guide the sale and transfer of goods or property This documentation is essential to validate that you have the proper legal capacity and authority to pursue the alleged debt from me. The account And ledger
Consumer complaint received 2024-04-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2024-04-16
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. (NY)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-08-16
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. (NY)

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 2024-04-16
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 reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.