davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-16
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. (TX)

The below information I have found on my credit profile to be incorrect in reporting to all 3 credit bureaus I filled a Identity theft affidavit I could not add them all but they are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-13
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (PA)

The Jcpenney/Synchrony credit card was paid off where I and a veteran representative, on the line asked the full balance on the card. Then asked to see if they could reduce fees to make a final payment. The balance was XXXX and they offered to reduce this total to XXXX. At that time a payment in the amount of XXXX was made that day of XX/XX/2024 where they offered to refund 3 months of late fees ( XXXX ) to pay in full and the call was recorded. To all of our understanding that day when the payment was made the account is closed and paid off. 

The next month another bill of XXXX interest was charged on a XXXX balance since the payment was made as agreed on the recorded call. This should not have occurred. 

The next month another XXXX interest on the interest was charged. This should not have occurred. 

This is an unfair way to do business. My veteran representative was helping me in getting the credit balances paid off in XXXX day and she is my witness. 

I would like the XXXX to be taken off of my account and some reparation paid to me for derogatory credit reporting after I made the payment that day I have prepared a legal and personal injury complaint and plan to file it.
Consumer complaint received 2023-07-16
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)

Consumer reporting agency is violating the FCRA and FDCPA in the reporting of inaccurate, invalidated, paid or wrongful debt. Consumer notified consumer reporting agency previously of error and they responded stating debt is valid and/or accurate. Consumer reporting agency is in violation of my FCRA states I have a right to privacy. The reporting agency is violating my Privacy with sharing inaccurate and deceptive information without consumer consent. 15 USC 1681a Exclusions states a consumer report CAN NOT contain transaction or experiences between person reporting and consumer.15 USC 1681b Permissible Purposes, consumer reporting agency may furnish report only by written instructions of consumer. 15 USC 1681e consumer reporting agency isn't in compliance with accurate reporting. 15 USC 1666b may not treat a payment late for any reason.
Consumer complaint received 2024-01-10
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. (CA)

I received and on my credit monitoring system, and noticed a plethora of negative inquiries accounts that I did not recognize and have not gave my consent towards. This is a violation of 15 USC 1681 B : permissible purpose of consumer reports, and must be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-29
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. (TN)

I have recently discovered several items on my credit report that I did not authorize or participate in. These items are damaging my credit score and causing significant financial harm. Specifically, the fraudulent items on my credit report include several credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my XXXX XXXX. Please see the following items below : XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXX/XX/2022. I have taken steps to dispute these fraudulent items with the credit reporting agencies and the creditors in question, but have not received a satisfactory resolution. Despite providing documentation and evidence of the fraudulent activity, these items remain on my credit report and continue to damage my XXXX XXXX. I believe that the fraudulent items on my credit report are the result of identity theft, and I am deeply concerned about the potential impact on my financial well-being. I have attached copies of the dispute letters I have sent to the credit bureaus, as well as documentation proving the fraudulent nature of the items in question. Despite this evidence, the credit bureaus have failed to investigate my dispute and continue to report the fraudulent items on my credit report.
Consumer complaint received 2024-05-13
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc. (NY)

This is a fraudulent reported account. I paid XXXX and the account says it was sold to another lender. It has been affecting my report negatively since 2020. I disputed this account and never received any information from creditor or XXXX.
Consumer complaint received 2024-07-25
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: Experian Information Solutions Inc. (ID)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX & XXXX XXXX XXXXXX/XX/XXXX EXP 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America I had open a bank account with them back in XXXX of XXXX  I believe they was double dipping in my account
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIFTH THIRD FINANCIAL CORPORATION (VA)

Fifth-Third Bank ( XXXX XXXX XXXX OH XXXX XXXX ) report as I took an auto loan of XXXX but I never took a loan from this Bank. First I reached out XXXX and latter reached out the bank on XX/XX/year> and asked the bank this might be identity theft and they said they will investigate. I have been waiting for a month and the bank never get back to me. I tried to call them multiple times and they deny to give me any information. Rather they report to XXXX the information was accurate. I never took a loan from this bank and they never send me a letter or contacted me. All my loan are paid on time but due this bank report a loan that I didn't take my credit score goes from XXXX to XXXX. I would like to file complain on this bank because they report a loan that I didn't take and unwilling to help fix the problem. 

Thanks, XXXX XXXX
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (TX)

On XXXX XX/XX/XXXX, my truck was PARKED, unattended in a XXXX space at XXXX. I was paged by Security to return to my vehicle. An XXXX  woman had backed into the right-rear corner of my truck. She called Police and waited. We exchanged information, including HER insurance. The XXXX Police Officer wrote a report. Don't know if she was given any citation. In XXXX, I was trying to change my insurance to another company because of random rate increases. The new policy I wanted, the company found information that XXXX XXXX had reported an " At Fault '' accident. I contacted my insurance company and they provided me with a memo stating that there had been ZERO % Negligence, NOT at Fault. XXXX is STILL putting that information out, more than 2 years later. Apparently Insurance Agencies can't correct their MISTAKES. At this point I will try one more " Complaint '' and then if XXXX does not correct their MISTAKE, I will file a lawsuit. I am an XXXX year old, XXXX XXXX XXXX XXXX  and I have neither the money or the intent to continue with the XXXX mistake. My auto insurance cost me HUNDREDS $ $ more because of them. Thanks.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (SC)

Sychroncy bank has been accessing my credit file without permission, and took adverse actions against me based on these violations. i have several accounts with them and they proceeded to us my non public information against me, which is a violation
Consumer complaint received 2024-01-10
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: National Finance Company, Inc. (NC)

Last week, we got papers saying we have a court date on XX/XX/XXXX from National Finance Company. They have known everything thats going on. For 4 years we have been GREAT payers. We havent paid XXXX payment each, probably now XXXX since the dispute started. But since the court papers were sent they have been harassing us. Badly. Letters every day in the mail, phone calls several times a day.. i have been in CONSTANT contact with them about payments. Even tried to make a pay arrangement that they refused. We found out theyre trying to say we owe {$3000.00} a piece we only borrowed {$1500.00} ( me ) and my husband {$2000.00}. This was XXXX YEARS AGO. Since then, we have been paying XXXX $ or more in monthly payments for 4 years HOW isnt it paid off?! They get you to refinance the loan and pressure you to do the online signature in XXXX to XXXX mins, or else it wont refinance. But its not refinancing. When you do this the payments go up up up and ill tell ya why. Instead of actual refinance, they open ANOTHER LOAN in your name to pay the entirety of the previous loan PLUS whatever was leftover to pay!!!!! Its fraud!!! Misrepresentation!! Harassment!!! Extortion!!! And they use fear tactics like theyre going to take the property listed, shovels, hammers, drills. They can not legally take property GET THEM TO STOP AND FIX THIS! This company is a sham! They say they only have a 30 % interest % XXXX of XXXX is not XXXX.
Consumer complaint received 2024-05-13
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Scott Fetzer Financial Group Inc. (NH)

A company, XXXX  XXXX XXXX, said they would help settle some IRS debt and told me it would start day 1. They told me to use their business partner UCFS- United Consumer Financial Services . I did. This is who this complaint is against. A year later literally nothing done. Always had an excuse as to why. They strung me along to get every monthly payment they could. Yes, XXXX may have received the full amount from the loan I took out with their referred partner, with UCFS -United Consumer Financial Services . I dont know. These 2 companies clearly do this often. I have XXXX paid into them so far. If I dont pay they kill my credit. Which has already begun, dropping my score by over XXXX points already for 1 missed payment. I cant reach either company. They don't respond. They want me to take all the loss and accept it. XXXX XXXX XXXX has gone dark and does not call me back. UCFS same deal. They got paid. My credit is now compromised. I feel XXXX is enough money for services I did not receive. Am I supposed to keep paying for services I did not receive? I lost XXXX regardless and I get a bonus of my credit going from nearly XXXX to under XXXX so far. This is the ultimate scam and they use the credit bureaus to do their dirty work as well. I am really sorry I fell for it. Doesn't seem as though there is any justice here because they have literally perfected their fraud, Or Scam. 
***Both UCFS and XXXX XXXX XXXX should be investigated. They don't blink an eye about XXXX. They accept it as part of their business model to have complaints. They are taking advantage of a very vulnerable population that has no recourse as they are typically are without funds to do anything.
Consumer complaint received 2024-05-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CL Holdings LLC (WA)

I have filed multiple complaints against jefferson capital systems and they continue to ignore the fact that the way the papers were served to me on XX/XX/year> was ILLEGAL. The process server they hired impersonated law enforcement to trick me into opening the door to serve me papers.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-10
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: EQUIFAX, INC. (FL)

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I have filed plenty of disputes because I have been a victim of identity theft I have even filed a claim with the federal Trade commission because my identity has been used for multiple credit accounts without my knowledge of and I would like them disputed because the person behind this has gotten all of these accounts closed and now its affecting my credit in a negative way!
Consumer complaint received 2024-05-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (NJ)

I filed a complaint on XX/XX/year> with CFPB. 
I have gotten 2 calls from the corporate office and one from the branch manager. 
All said they wrrr going to send me {$200.00} to correct the error. 
So far I have not received anything. 
My concern is that corporate person stated it was XXXX income which it is not. 
She said they had no way of sending me money without it being XXXX income. 
This error was entirely their doing and I should not need to report this as income. 
I do have two currently active accounts that they could credit the amount to. 
I think they need to pay me rather than tell me it will be considered income, and delay payment. 
Something is flawed in their system and meanwhile I havent been made whole.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items 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.
Consumer complaint received 2024-05-12
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (PA)

I have received a collection on my credit report from XXXX. To my surprise, they are reporting this account incorrectly as it is shown as being open as well but also show a balance in the amount of {$210.00}. Please remove this account from my credit report immediately. Please provide me with a copy of my updated credit report with this removed off. Sincerely XXXX XXXX XXXX. I paid this off once before but the physical card i never had in my possession. Purchases were made that were not me.
Consumer complaint received 2024-01-10
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: EQUIFAX, INC. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-01-10
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: EQUIFAX, INC. (KY)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX