davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my third endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-01
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. (SC)

The Accounts I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, the information you provided on some accounts is DELETED from other bureaus and I have doubts about their accuracy the reported payment history on some accounts is a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. 
XXXX XXXX XXXX : {$100.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX Balance : {$690.00}
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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. Its my understanding that Transunion will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-21
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)

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 XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX 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 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 2024-06-21
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: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ONLINE Information Services, Inc. (CA)

I have items on my credit that is not mines 3-4 Collections in various locations and different states I have disputed this with XXXX, XXXX and XXXX and even called and they states on credit update items not removed because the creditor states it is my collection. Problem is its not my collection and I have provided proof but creditors will remove and resell debt and I will be stuck with the debt all over again. They are not practicing fair credit reporting I have asked for proof and none is provided
Consumer complaint received 2024-09-10
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (TX)

I accepted a 30 day trial of a service that I did not use. I attempted to cancel the service before the trial period ended. The were no instructions, buttons, paths, banners or visual queues to end the service. I emailed the support service, but never received a response. My account was charged for a full membership of XXXX {$100.00}. I again attempted to locate a path to close my account and request a refund. No such path was available to me. I emailed the customer service, never received a response. I contacted Paypal for to request a refund by filling a dispute. Less than 10 days later I received notice that my dispute claim was denied. There is no information regarding the investigation or how the merchant was contacted.
Consumer complaint received 2024-08-24
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (OH)

Paypal Credit ( Synchrony Bank ) charged a {$30.00} late fee for a payment that cleared my bank on the due date. I contacted PayPal credit and the automated system refunded the late fee. This tells me that they are aware that the late fees are unreasonable to begin with. It stated that the payments should be in 7 days before the due date. If that is the case, shouldn't the due date be stated as being 7 days earlier than what is on the statement.

I find this to be very dishonest. As long as a payment arrives before the due date, there should be no late charge at all. The refund issued is find but that was only because I contacted them. If a payment needs to be made sooner, that is what the due date should reflect.
Consumer complaint received 2024-08-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (NH)

This company is calling regarding a credit card I have with Synchrony Bank. I have fallen into financial difficulty and they call me multiple times per day, everyday including Sundays. I have asked them to stop calling and they continue to call from robo numbers from the XXXX area. 

For example, on Friday XX/XX/XXXX the calls were as follows : XXXX XXXX- XXXX XXXX XXXX- XXXX XXXX XXXX- XXXX XXXX XXXX- XXXX They call repeatedly, I am at work during the day and they will not stop harassing me by calling several times each day. I am aware of my debt and will take care of it when I can.
Consumer complaint received 2024-08-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (NY)

A credit card account was opened without my knowledge, indicating identity theft. I have already contacted PayPal to report this fraudulent activity. I never gave my authorization for this account to be created. 

The credit card was opened on XX/XX/year>, for a credit line of {$1200.00}. Which as per what PayPal shared with me {$960.00} was used in XXXX. 

As I have mentioned before this account has been opened without my knowledge. I can only assume they stole my identity and used my SSN. 

I want to report this identity fraud and theft as well as reporting PayPal for their lack on security allowing this to happened.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (TX)

Regional Acceptance Corp. retaliated from myself disputing incorrect information on my credit report. I have spoke with them numerous times explaining. I was denied financing due to incorrect information from RAC as you can see in the documents. Financing Companies denied my credit due to RAC reporting I had made a payment to reinstate time of repossession for XX/XX/year>. RAC did reactivated but did not delete even though admitted to misinformation. Even though this account is charged off letters are being sent asking for the remaining balance. Also the amount that they claimed payment of XX/XX/XXXX is historically the remaining GAP insurance.
Consumer complaint received 2024-08-21
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: Bridgecrest Acceptance Corporation (DC)

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 XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account 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 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I reviewed my consumer report and still noticed that I had collection/ charge off on an account that I never made has in collection for consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been in collection for account ( XXXX ) ( XXXX ) Please investigate and provide proof with stamens showing that these accounts was in collection or never been paid. If proof can't be provided I demand these payments or collection be updated to on time as they should be as NEVER late or collection or remove this account from my credit report. thanks.
Consumer complaint received 2024-07-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (MI)

My husband and I received insurance checks from XXXX to cover extra plane tickets we were forced to buy as our flight was cancelled. There were XXXX checks of {$210.00} and XXXX of {$1800.00}. We endorsed the checks as " pay to Marcus '' with our signatures and sent them on XX/XX/year> with a letter. When our account was not credited, I called Marcus. It took 3 phone calls to be told that they couldn't cash the checks because they were made out to the customer. I asked them to return the checks. Then I was transferred to a supervisor who advised they had shredded the checks. I asked to be sent something to that effect so I could ask XXXX to issue new checks. They refused but I contacted XXXX asked them to stop the checks and issue new ones. XXXX has refused to issue new checks and Marcus is looking for payment of {$4200.00}. 

I don't understand how Marcus could shred legal tender without contacting the customer. Their unilateral action is unacceptable to me and unless XXXX issues new checks, I don't believe I owe Marcus.
Consumer complaint received 2023-10-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: American Credit Acceptance, LLC (MI)

My car was stolen and now I have a total loss claim. My car insurance and my gap insurance is ready to pay this company. However, they are dragging their feet and taking over 90 days to complete a letter of guarantee in order to get paid by the insurance company. I am the victim and I can not get a new car or a new line of credit like a mortgage because this claim is still open and not paid off yet. I feel that my claim is purposely being delayed and they are violating my rights as a consumer if I have all the proper documentation And main insurance with gap insurance why is this company taking too long to accept payment?
Consumer complaint received 2024-07-11
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: EQUIFAX, INC. (MO)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-06-10
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. (IN)

XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX  : # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have rights to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681 c. ( 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 more than seven years.

15 U.S.C. 1681s -2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (OH)

My mortgage was sold from XXXX XXXX to Shellpoint Mortgage effective XX/XX/year>. 
I received a paper statement from my county real estate tax division saying my taxes have not been paid. I have called on XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>. 
Today, I received a voicemail from the supervisor in the escrow department stating that my account was " not set up to escrow and therefore they will not be paying my property taxes and any late fees will be up to me to pay. Meanwhile, they have over {$5300.00} of my money sitting in an escrow account and are collecting {$710.00} per month of my mortgage payment to put toward escrow. 
I called this XXXX back and all he kept saying was that " my account was not transferred with an escrow account when I can clearly see it on my account online. He can not explain to me why the money is sitting there. 
Additionally, they applied the very first payment I paid them in XX/XX/year> to all interest and escrow and none to principal. They can not seem to figure out how to fix it. They have made a giant mess out of my account and backed out payments and reapplied them again incorrectly. I have made 2 payments and they have messed both of them up. To insult me further, I got a threatening late notice because my loan was showing due for XX/XX/year> because they backdated payment postings to XX/XX/year> when I wasn't even their customer yet. I am hoping someone can help me because no one is helping me there.
Consumer complaint received 2024-07-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK (VA)

On XX/XX/year>, I received a deposit for my tax refund in the amount of {$1600.00}, I proceeded to use the funds to make a {$410.00} payment on my car with XXXX XXXX XXXX which was also posted on XX/XX/year> {$410.00} was my car payment and {$5.00} was the fee for making the payment, my finance company reached out on XX/XX/year> advising the payment submitted on XX/XX/year> was charged back by the financial institution. When contacting the bank, I was able to speak with XXXX in customer service, who confirmed she was able to see the payment and then transferred to XXXX in discover fraud and investigations department. She then advised she would need to submit a dispute, after holding for her to submit the dispute she returned advising they do not see any funds have been returned on the account and would not be able to submit a dispute as they can only see that the payments have went through. I requested today XX/XX/year>, for all account statements to be sent to me as the account has now been closed and I do not have access to this information.
Consumer complaint received 2024-06-10
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. (CT)

If there are any inaccuracies or incomplete information regarding my accounts, judgments, liens, balances, payment history, late payments, account history, or any other details in my credit report, I request that you promptly correct or remove those items from my credit file in accordance with the Fair Credit Reporting Act.
Consumer complaint received 2024-07-12
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)

This is the several times I've complained about being a victim of identity theft. You must remove any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX VIA XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AUSSRQ Holdings, LLC (VA)

On XX/XX/year> I received s credit report notification from XXXX that a collection was placed on my report from an unknown or unheard of collection agency ( Oliphant USA LLC ) partial account number : XXXX ( as appears on my credit report ). The collection agency appears as the original creditor and collector. 

I have never had any dealings with this company. Ive never heard of or from them. Never received any notice. No mail, phone, electronic communication to inform me of any alleged debt they are attempting to collect. They just appeared on my credit report. Had I been informed of any alleged debt I would have most definitely disputed this and asked for complete validation per my rights as a consumer. This is a violation of the law.
Consumer complaint received 2024-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (FL)

Truist is ignoring all CFPB complaints and not sending me a response. The prior XXXX complaints remained unanswered. Nobody contacted me. No letter in the mail. 

Got ta love living in a world where XXXX banks can just treat you like XXXX, and the CFPB has no XXXX  to enforce or penalize
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

This is my refilling and requesting for the reinvestigation to EXPERIAN was the aftereffect of their rebelliousness to my solicitation and for their refusal of getting the things, recorded underneath, to be taken out from my credit reports. They did not remove my request, which I thought was against the rules of the Federal Credit Reporting Act, nor did they respond to it. As a result, I am writing this complaint to ask for help blocking or deleting the items in question because they found to be illegal and incorrect. I have also attached the FTC report to support this complaint with the FTC number XXXX.
Consumer complaint received 2024-07-11
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)

Upon reviewing my Consumer Reports, I noticed that there are two or more late payments recorded for accounts on which I have never been late. Consumer Reporting Agencies play a crucial role and have a responsibility to report consumer information with maximum accuracy. I have always made timely payments for this account. [ XXXX ] : [ XXXX ] Please investigate this matter and provide statements proving these payments were late. If proof can not be provided, I request that these payments be updated to reflect their accurate, on-time status as I was never late. 

Thank you,