davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-05
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: WELLS FARGO & COMPANY (NY)

previous requests were not fufilled by said company .... i am asking for accommodation for all late payments on my credit report by wells fargo according to 15 USC 1681s-2 ( f ) I am demanding wells fargo remove any late payment received during the covered period with proof of removal
Consumer complaint received 2024-05-10
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 got an email this afternoon about a credit application for a credit card I did not apply for. The credit card was for XXXX XXXX. Because I had credit freezes in place, the application did not go through. I immediately got a credit alert from Experian and called them to try to dispute. Experian told me that they can not remove hard inquiries and that I needed to contact the creditor. I called XXXX XXXX and was transferred to 5 different departments before I was told I needed to file a FTC report and then email them the report to try to remove the inquiry.
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

I was looking at my Equifax credit report. I noticed an account that is severely outdated past 7 years ' statute of date limitations on reporting. 

XXXX XXXX - Account # XXXX XXXX and XXXX are not reporting this outdated account from 2015. 

Please delete it immediately.
Consumer complaint received 2024-05-09
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: SYNCHRONY FINANCIAL (CA)

Beginning in XX/XX/XXXX my Phillips 66/Synchrony gas credit card had several unauthorized charges. I notified the bank on XX/XX/XXXX. Since that time I've been informed 12 times in writing and over the phone that the card has been cancelled and the account closed. But the unauthorized charges have continued through XX/XX/XXXX. I have opened claims for unauthorized activity 5 times. The first 2 were approved and the charges reversed. The last 3 times I've been informed that the charges aren't fraud because they are pending and are not billed to my account. But they have been billed to my account. I am now receiving e-mails saying i owe over {$14000.00} on a credit card with an $ XXXX. limit. They are also threatening to add penalties if I don't pay. All the charges are unauthorized. Why has Synchrony allowed the fraud to go over their limit and continue for so long?
Consumer complaint received 2017-05-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (CA)

Date :  XXXX   XXXX ,    XXXX   Fac t : A deposit of a court check of the amount {$160000.00} was deposited in my Chase Bank checking account #  XXXX  ( Exhibit A & Exhibit B.  Yet ( 1 ) Th e money was never credited to my account "  XXXX    XXXX    XXXX , the Trust of  XXXX  ''  ( 2 )  The original check has never been returned to this depositor.   (  3 ) Soon Chase c losed my checking account in  XXXX   XXXX .   (  4  ) Expert on recovering funds wrote that the originator of the check --  XXXX   XXXX   Court has cashed the check. ( Exhibit C )
Consumer complaint received 2023-10-06
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)

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 XXXX5 USC 1681.

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 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I want to provide proof to XXXX XXXX XXXX that there was no late payment made on my XXXX XXXX XXXX account # XXXX. I have already opened a case for which I received a response but, unfortunately, whomever reviewed the case missed the mistake made when XXXX posted my payment in XXXX of XXXX. XXXX sent an itemized list of my payments and when I reviewed this list, it became clear to me where the mistake was made and how it threw off the proper recording of payments between XX/XX/XXXX and XX/XX/XXXX. 
I have included a copy of my payment report, here. If you go through this report from the beginning, one payment at a time, you will see that the XX/XX/XXXX payment ( the payment that is reported as being late ) was, in fact, paid and posted to the account three days before the due date of XX/XX/XXXX. The mistake that throws everything off is in XX/XX/XXXX when the XX/XX/XXXX payment was assessed but WAS NOT MARKED FOR XX/XX/XXXX. 
Instead, the XX/XX/XXXX payment, once posted, was marked as the XX/XX/XXXX payment. 
As a result, all the ensuing payments were marked one month off. 
When I traded my car in for a new model in XX/XX/XXXX, I was told not to make my XX/XX/XXXX payment, however, XXXX was calling me that they hadnt received the XX/XX/XXXX payment so I made the XX/XX/XXXX payment anyway on XX/XX/XXXX ( well within the 30 day grace period ). Unfortunately, because of the mistake a year earlier, XXXX thought that the XX/XX/XXXX payment was for XX/XX/XXXX ( because all the payments from XX/XX/XXXX were mismarked XXXX month behind ) when that XX/XX/XXXX payment was actually for XX/XX/XXXX. That last payment on XX/XX/XXXX was even refunded by XXXX because it was considered an extra payment after my new lease. 
NOTE 1 : I need this corrected on my credit score as soon as possible as I am trying to buy a home right now and this has damaged my ability to do so by unjustly lowering my credit score. 
NOTE 2 : I don't authorize XXXX XXXX XXXX to run a Hard Inquiry on my credit score again
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fig Tech Inc. (TX)

I viewed my credit report on XX/XX/XXXX and noticed 5 late payments. I didnt not apply for these accounts. I filed a complaint these accounts are fraudulent and still show on my credit report. 

Fig loans XXXX XXXX
Consumer complaint received 2023-10-05
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: PayActiv, Inc. (IL)

Payactiv HAS KNOWN FOR 5 MONTHS that I have had credit card taken and someone took XXXX off of card. I've put 2 disputes in with payactiv with no response! I've called over 24 times to be hung up on and have NO STATUS UPDATE OR ANSWERS TO THIS MONEY LAUNDERING/ MONEY HUNGRY COMPANY.
Consumer complaint received 2023-10-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (AL)

What led me to start filing these complaints is that I was mailed a collection debt from a law firm. I'm not computer savvy to apply for any credit cards online. If I were to apply for any it would be in person at my local bank. So I filed a complaint such as this one with the Law Firm. Moving on as I was able to check my credit report and noticed more collections. On XX/XX/2018 a collection was opened and to make a record I never got any notice in the mail of the debt from LVNV Funding LLC for a XXXX XXXX account in the amount of XXXX. I'm almost positive that my half brother was the one that applied for these cards in his name. I'm XXXX and my health isn't all that great and I'm XXXX XXXX XXXX and going through XXXXXXXX XXXX and not able to work nor take care of myself. I rely on my youngest son XXXX XXXX who I'm giving permission to speak on my behalf. I'm not able to deal or handle the stress this has caused me. Understand there are multiple accounts for LVNV that I have another XXXX XXXX for XXXX, XXXX account for XXXX and XXXX XXXX XXXX  for XXXX that I didn't apply for. I've attached a ID theft report that I filled out. Also attached my front and back driver license 's number for verification. And not proud of this but my son has a trouble past and attached an old mugshot. And attached an income verification form. As you can see I'm below the poverty level and don't make much money while being sick.
Consumer complaint received 2023-10-06
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: U.S. BANCORP (IL)

My Elan Financial Fidelity card has several transactions with issues, but Elan Financial transaction dispute function seems to be dysfunctional and I can not get them to dispute the transactions. First, there are two transactions from XXXX XXXX XXXX that I have returned the merchandise to XXXX XXXX XXXX and received a return confirmation, but have been unable to get them to issue a refund. For this reason, I would like Elan Financial 's help and dispute these two transactions : {$240.00} on XX/XX/2023 by XXXX XXXX XXXXXXXX XXXX and {$630.00} on XX/XX/2023 by XXXX XXXX XXXXXXXX XXXX Then there is a transaction from XXXX XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/2023 for {$550.00} that I do not recognize and have not authorized. I have never purchased or received anything from XXXX XXXX XXXX and would like Elan Financial to take care of this unauthorized transaction.
Consumer complaint received 2024-06-02
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. (NJ)

I am writing to address a serious non-compliance issue concerning your failure to provide me with the initial and annual Consumer Personal Financial Privacy Policy Notices as required under the Gramm-Leach-Bliley Act ( GLBA ). 

The GLBA mandates that financial institutions, including debt collectors like XXXX XXXX XXXX, must deliver privacy notices to customers both initially and annually in writing. These notices are essential to inform consumers about how their non-public personal information ( NPI ) is collected, used, and protected. 

As a consumer, I have never received any such privacy notices from your organization. This lack of compliance violates the GLBA privacy rule, which applies broadly to financial institutions that provide services to individuals engaged in financial activities. This category includes banks, debt collectors, mortgage lenders, and similar entities. The confidentiality of XXXX is paramount, and your failure to provide these notices undermines this principle. 

According to the GLBA, non-compliance carries significant penalties : Financial institutions can be fined up to {$100000.00} per violation. 
Officers and directors can be fined up to {$10000.00} per violation. 
Individuals can face imprisonment for up to five years for serious violations. 

In light of this non-compliance, I demand the immediate removal of the account associated with XXXX XXXX XXXX from my consumer report. Failure to address this issue promptly will leave me with no option but to file a formal complaint with the Federal Trade Commission ( FTC ) and NJ STATE ATTORNEY GENERAL, CONSUMER AFFAIRS pursue the aforementioned penalties and damages. 

Please provide a written response confirming the removal of the account from my consumer report and detailing the measures XXXX XXXX XXXX will take to comply with GLBA requirements. Your prompt attention to this matter is essential to avoid further legal actions.
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AE)

My equifax file is showing i have many accounts open that i didn't give authorization to. The dates of some of the duplicate accounts doesn't seem to make sense to me for it is fradulent. Please anaylze this report immediately.
Consumer complaint received 2024-05-13
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (MD)

I was only given a number ( XXXX ) XXXX that when you call only gives you the option to accept the change in interest rate and a bunch of other fees or the option to close my account. I had no choice but to close my account which they immediately did then booted me off of their app that I would use to pay my monthly bill. I had to find the card, and sign up on my desktop in order to pay the bill. The letter they sent me was incredibly confusing and aggressive about all of the changes in my interest rate and fees they would charge to send me paper statements and other fees I did not understand. In addition, I could not get anyone live on the phone to speak to about this, but they were very aggressive in requesting " feedback '' so it was in that space where I advised them I needed clarity but never received a response.
Consumer complaint received 2023-10-05
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. (TX)

Trans Union is obligated by the FCRA to report accurate accounting. I have advised ALL the inquires reported was fraud. Said company had 4 days according to LAW to remove such items. I am now requesting Trans Union to provide the documentation used to determine inquiry was indeed authorized by the consumer, Trans Union has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. I am NOT asking for an e-oscor report. If Trans Union does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certian rules. Trans Union Commission file number : XXXX I will be filing form 211 treasury omb forms to audit my account. Trans Union is securitizing my data yet refuse to provide a copy of my CONSUMER FILE NOT CONSUMER REPORT
Consumer complaint received 2023-10-05
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NE)

I have tried repeatedly to close out the secured credit card with Discover and each time I am met with opposition. They allege that I owe money on it. I have asked for a bill to be sent to me and to have the payment options included and everytime I ask I can not get it. Now I check my credit score today and they closed my account and charged it off as bad debt. This is beyond unacceptable. As the cherry on top of the cake they put very derogatory remarks on my credit report and my credit score went from a XXXX to a XXXX. 

Discover refuses to help. They wont let me pay my balance off and close it. So now Im still stuck between a rock and a hard place. I dont want to get an attorney involved but I am afraid if they don't help me with removing the derogatory remarks and let me close my account for the past due balance that I have been trying to pay for literal months I will have to retain one.
Consumer complaint received 2024-05-12
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. (TN)

XX/XX/year> I tried to remove hard inquiries off my credit report with XXXX I quoted the law & they did nothing they didnt remove them at all. 15 US CODE 1028A!!!!!!
Consumer complaint received 2023-10-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Finance Company, Inc. (MD)

I received services from this company at XXXX XXXX in XXXXXXXX XXXX on or about XX/XX/2022. Upon admission to the hospital, I provided my primary and secondary health insurance information. I required XXXX, and prior to signing my consent forms, requested the name of the practice providing services ( XXXX XXXX XXXX ) and requested that my insurance coverage be confirmed. It was confirmed that they were in-network and their services would be covered under the deductible for my hospitalisation under my primary and secondary insurance. XXXX XXXX XXXX, Maryland failed to properly code and XXXX for their services to both my primary and secondary insurance companies prior to the deadline for submitting a claim, leaving a large balance owed that would otherwise have been reimbursed by my secondary insurance. XXXX XXXX XXXX, in violation of my consumer rights, then proceeded to attempt to hold me accountable for their own billing and coding errors by taking aggressive and persistent collections efforts and repeatedly denying appeals, which negatively impacted my XXXX XXXX, in an effort to bully me into accepting financial responsibility for their own billing mistake. They repeatedly attempted to deflect responsibility to the collections agency they utilised, XXXX XXXX XXXX, who, after being notified of the inaccurate debt, then knowingly, unlawfully, engaged to collect this invalid debt, denying their responsibility as the credit collections agency taking actions against me in order to continue to improperly attempt collect the debt. They have repeatedly asked me for documentation that does not exist, such as proof that my secondary insurance denied the claim due to missing the deadline, when my secondary insurance wouldnt even accept a submission of the claim ( eliminating the possibility of a denial letter ) because their billing office missed the deadline for a submission to be considered. They have also attempted to cite XXXX, incorrectly claim that I did not provide them with my secondary insurance, and ignore the fact that the hospital in which they provided me services as a patient had my insurance on file ( with which other providers during the same hospitalisation were able to successfully receive payment from my secondary insurance ) in their efforts to further deflect their own responsibility for the financial consequences of their own billing error. They have attempted to state that they have no power or responsibility to cease collections and that I need to settle this with the original creditor, who has knowingly initiated and continued this improper collections attempt as motivated by their own financial interest in covering their loss resulting from their billing error, and is unwilling to reconsider their collections actions.
Consumer complaint received 2024-06-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NV)

I went through a divorce in 2018. I moved out of my house in XXXX of 2018 located at XXXX XXXX XXXX XXXX NY XXXX. As a result of my divorce, I was forced to file bankruptcy in XXXX of 2018. My bankruptcy was discharged in XXXX of 2018. The power company in NY ( XXXX XXXX ) reinstated the power after I left, without my authorization. My home was part of my bankruptcy. Upon finding out they were trying to collect for a bill I did not authorize, they turned me over to a collection agency ( transworld systems inc ). This has severely damaged my credit score.
Consumer complaint received 2023-10-06
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. (MI)

There are inaccurate reporting on my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Equivax and XXXX are reporting balances and active status for discharged student loans with a XXXX balance. XXXX is the only correct credit bureau. 

Contacted : XX/XX/23 Amount : {$160000.00}
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX City, State Zip Dob : XX/XX/XXXX SS # XX/XX/XXXX XXXX XXXX  Acct # XXXX To Whom It May Concern : I recently received a copy of my credit report, and I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! : XXXX XXXX Account Number : XXXX Your company is in violation of the FCRA and Metro2 Compliance and reporting violation.

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; On XX/XX/XXXX you reported transactions from account # to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports! 
The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of Metro2 compliance!

Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. 
I need the transactions reported on XX/XX/XXXX Deleted from my consumer reports effective immediately. 
Now before you think to reply with validated, lets be clear I am not asking you to validate or verify anything so dont respond telling me that to waste my time. 
Further more 15 USC 1666b ( a ) ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.