davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-21
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. (CO)

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines XXXX XXXX XXXXXXXX ACCOUNT ENDING XXXX I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data. 
My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter. 
Here are the specific legislative and regulatory grounds for my request : 1. **15 U.S.C. 6802** - Mandates explicit consent for financial information disclosure, including a clear option to opt-out.

2. **16 CFR 313 ( Privacy of Consumer Financial Information ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure.

3. **15 U.S.C. 1681** - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files. 
Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights. 
Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Consumer complaint received 2023-12-21
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. (NV)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review
Consumer complaint received 2023-08-31
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (TN)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer i am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-10-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP (WA)

I just opened a new account with KeyBank XX/XX/XXXX and deposited a big chunk of money into my account mostly for my savings account. I then rarely used my card only small transactions or paying off bills. 2 weeks into me having my account on XX/XX/23 there was an unauthorized transaction from XXXX for {$100.00}, then XXXX XXXX XXXXXXXX for {$500.00}, {$5.00}, on XX/XX/23. Then another unauthorized transaction on XXXX for {$300.00} on XX/XX/23, and 3 other charges on XX/XX/23 from XXXX for {$100.00}, {$500.00}, and {$1000.00}. This dispute amount was for a total of {$2500.00}. I looked up the merchants for these transactions, XXXX XXXX XXXX are sketchy websites used to buy crypto which are scammers main targets to get away with these types of things. XXXX XXXX is a casino that is far away from where I live. Maybe XXXX miles. I filed a dispute on XX/XX/23 after checking my balance and seeing it was low, I dont check it often because I didnt use it much and I only had the account for two weeks and realized my card was missing the same time I noticed the funds missing. I went to lock my card and when I tried it said " A technical delay is preventing us from locking/unlocking your card, try again later ''. This was there fault for not locking my card and I have proof with time stamps of them not allowing me to lock my card. They took 20 days conviently when they were supposed to give me credits for the dispute to solve the case. They said recent card activity made us realize this was an authorized charge. That was the only reason they gave.
Consumer complaint received 2023-12-21
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. (TX)

Credit bureaus are reporting a business account to my consumer credit. the name of the company is XXXX. 

Nothing in the contract permits the credit bureaus to report this business account to my consumer report.
Consumer complaint received 2023-12-21
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. (CA)

I am a victim of identity theft. I've recently checked my credit report from XXXX and TransUnion and I was shocked to see a previously deleted fraudulent account was reinserted back to my credit file. The XXXX XXXX fraudulent account was disputed and deleted in XXXX of XXXX ( please see the attached TransUnion dispute results ). However, XXXX and TransUnion credit reporting agencies reinserted the fraudulent account after a month without notifying me.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. 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 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I have 11 hard inquiry 's Damaging my credit score that were from over 3-4 years ago, Please Remove ASAP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-08-31
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL (CA)

I have been in contact with the XXXX Synchrony Bank, since XX/XX/2023, I called due to some transaction that did not look familiar with my account and reported it as fraud. 

I reported transactions on XX/XX/2023, and XX/XX/XXXX, XXXX I did not authorize for or did not purchase anything. Investigating started and they had canceled my card on XX/XX/2023 I have an email to show the proof. I assumed they were investigating and had this on hold. 

Moving forward XX/XX/2023, I got an adjustment balance of {$570.00} to my new credit card, for the charge that was done on XX/XX/2023, on the card that had been canceled on XX/XX/2023. 

Now here we are, I called to ask about the adjustment and the advice I need to call during operation hours. I called on XX/XX/2023, and was on hold and moved back and forward for about XXXX hour with no way to explain the charge or adjustment. 

Today XX/XX/2023, I've been on the line for an hour and XXXX min so far ( XXXX ) Fraud sent me to customer service, and customer service is sending me to fraud, They keep asking if I did this charge. No one can tell me why this adjustment was added or how. 

This has been a nightmare and managers as stated they can't do anything, This week alone I've spent almost XXXX hours trying to resolve this. 

They will be pushing it till XXXX pm that's when the fraud department or specialist close and will tell me I need to call back. 

I expressed my stress and concern and told them they needed to call me back. 

They are not will to help in anyway.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (AZ)

On XX/XX/XXXX I called XXXX informed I could not access my credit report online and I wanted to dispute 3 XXXX XXXX inquiries that are fraud. I was advised a ticket was put in and in 24 hours Id receive a call. I never received the call.
Consumer complaint received 2023-05-01
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: Experian Information Solutions Inc. (CA)

. The following personal information is incorrectAccount Number : EMPLOYER : XXXX. The following personal information is incorrectAccount Number : EMPLOYER : XXXX. The following personal information is incorrectAccount Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. The following personal information is incorrectAccount Number : PREVIOUS ADDRESS : XXXX. The following personal information is incorrectAccount Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX. The following personal information is incorrectAccount Number : PREVIOUS ADDRESS : XXXX. The inquiry was not authorizedXXXX XXXX XXXX XXXXDate of inquiry : XXXX. The inquiry was not authorizedXXXX XXXX XXXXDate of inquiry : XXXX. The inquiry was not authorizedXXXX XXXXate of inquiry : XXXX. The inquiry was not authorizedXXXX  XXXX XXXX XXXXDate of inquiry : XXXX. The following account is not mineXXXX XXXX # XXXX
Consumer complaint received 2023-10-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

PLEASE DISREGARD THE PREVIOUS COMPLAINT. 


I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 
Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-26
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. (FL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXXn has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2016-05-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (IL)

My complaint is more of a concern with legality of fees and interest charged on my private loan with Navient ( FKA XXXX XXXX ). In short, in XXXX I took out a private loan for {$7000.00} with XXXX XXXX ( now known as Navient ), the loan went into repayment XXXX XXXX to which the balance was then {$12000.00}, since this point and to date I paid {$140.00} per month ( {$8400.00} so far ), my balance as of today is {$9400.00} which makes my payments toward the principle total {$3800.00} - so I paid {$13000.00} plus, and counting, for a {$7000.00} loan ( XXXX + XXXX = XXXX ). The loan matures in XX/XX/XXXX, so at this rate it appears I 'll be paying well over {$20000.00} in interest for a {$7000.00} loan ; how is this any different then the practices of payday loan and title loan lenders? 

Navient charges me a variable rate, which online it says 10.500 % ; I may as well charged {$7000.00} on a credit card then get a loan that I thought would be better then using a credit card and with better rates. 

Also, this {$140.00} amount I pay is more than the minimal payment, so what they do is push my payments back to the corresponding month for 'over payment ' ( i.e. if I pay {$280.00} in XX/XX/XXXX, my next payment wo n't come due until XX/XX/XXXX ) - today I can make payments in months payments are n't due, they just push next payment due back to corresponding month of over-payment, my concern is that their calculation of interest owed is n't in favor of me, the consumer, paying the loan off early. Also, at one point they did n't allow you to make extra payments ; at least online - that 's how I 've made all my payments.
Consumer complaint received 2023-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Synovus Bank (WV)

Re : Cease and Desist Letter Pursuant to 15 USC Dear First Progress I am writing this letter to formally demand that you cease and desist from any further activities or actions that involve my name, signature, or personal information in connection with any contracts or agreements, in accordance with 15 USC, Title 15, Chapter 41, Subchapter I - Consumer Credit Protection. I am exercising my rights under 15 USC 1602, which defines my Social Security Number as the source of credit used in transactions, thereby making it the basis for any financial agreements entered into. 

It has come to my attention that my signature has been utilized without my knowledge or consent in various contracts and agreements. Furthermore, I have reason to believe that these actions are related to unauthorized use of a credit card, which is prohibited by 15 USC. This serves as formal notice that I am rescinding my signature from all contracts associated with these fraudulent activities.

I would like to emphasize that under 15 USC, the credit card referenced is intended for personal use and is not associated with any credit lending or loaning activities. Any representations made to the contrary are inaccurate and, as such, violate my rights and protections under federal law.
I hereby request that you : 1. Cease any further use of my signature, personal information, or Social Security Number in any contracts, agreements, or transactions.

2. Immediately provide me with any and all documentation, records, or evidence related to the contracts or agreements in question.

3. Confirm in writing, within 10 days of receiving this letter, that you have ceased the unauthorized use of my personal information and have taken appropriate steps to remedy this situation.

4. Return to me all monies paid into or reported on my credit report under 15 U.S. Code 1635 ( b ) within the 20 days specified by law.

Failure to comply with this cease and desist letter will leave me with no option but to pursue legal remedies available to me under the law, including but not limited to seeking injunctive relief and damages. 

This letter is not intended to be a complete or exhaustive statement of my rights, remedies, claims, or defenses. I expressly reserve all rights and remedies available to me under the law. 

I expect your immediate attention to this matter. Please consider this letter as a final opportunity to resolve this issue amicably and without further legal action. If I do not receive a satisfactory response within the stipulated time frame, I will have no choice but to seek legal redress in accordance with applicable laws and regulations. 

Sincerely, All Rights reserved XXXX XXXX XXXX XXXX estate Signature on file
Consumer complaint received 2023-05-02
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: Experian Information Solutions Inc. (TX)

In order to notify the credit bureau AGAIN that I was an identity theft victim, I'm sending this complaint. The fact that I want to dispute unlawful items that are appearing on my credit report seems to be of little concern to the credit bureau. Since this is a clear violation of FCRA laws, I need the items deleted from my file as soon as possible. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-08-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Check Resolution Inc. (GA)

XX/XX/XXXX I paid the balance of {$240.00} to National Check Resolution , Inc. XX/XX/XXXX I had an attorney " XXXX XXXX XXXX from XXXX and XXXX XXXX to contact me threatening that they would garnish my wages. I provided the email payment confirmation to this attorney and there was no further communication. 

Today XX/XX/XXXX, a collection appears on my account from XXXX XXXX XXXX for the same account that was paid off 4 years prior. 

This account is being sold by XXXX XXXX to several debt collectors and this company is violating FDCPA and it should be investigated and fined.
Consumer complaint received 2024-04-22
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. (VA)

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 XXXX XXXX filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (MD)

I filed a complaint against PNC due to the loss of my debit card on XX/XX/2023, I feel that they are retaliating against me regarding a dispute of charges with a company named XXXX for scamming me with the wrong product and giving me the wrong address. PNC Reference Number XXXX sent XX/XX/2023, denied my dispute however do not state why. I called PNC on XX/XX/2023 I was hung up on or on hold for a long time just to get this dispute addressed. In addition, PNC does not give the call center information regarding the dispute which is extremely stressful. 

PNC should be held accountable to make sure that I have all the information requested regarding this dispute however when you call the call center they do not know what is going on. The dispute transaction is for {$26.00} Reference Number # XXXX I sent all the information regarding to this dispute and I was scammed by this company. I believe that PNC is retaliating because I complained against them for another matter.
Consumer complaint received 2023-12-21
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. (FL)

In accordance with the Federal Credit Reporting Act ( FCRA ) this creditor has violated my rights. 15 U.S Code1681 section 602 states I have the right to privacy, 15 U.S Code1681 section 604 states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S Code 1666 section b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.