davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-11
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. (TX)

On or about XX/XX/XXXX, I discovered that my credit card has been fraudulently used and taken, so I reported to XXXX and that I had never used this credit card since XX/XX/XXXX, and the person who used my card was making payments on time. However, the credit card was maxed out to the limit, I found out when i tried to get a loan and was informed that i had my XXXX card maxed out, however with no lates, just that it was a debt ratio ( high ).  XXXX then issued a new card, but I'm still seeing that neither the credit bureaus nor discover seem to do anything about it or remove that from my credit. I do have a police report that I submitted to XXXX investigation dept, and up to present nothing been done. I just want my credit profile back, please assist
Consumer complaint received 2017-07-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Reliant Capital Solutions, LLC (AL)

On  XXXX   XXXX , 2017 -- Reliant Capital Solutions wrote a letter to my address claiming that I owe them {$550.00}. I have not spoken with anyone with this company and this is the only communication that I have had with this company.
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I wrote a letter for them to validate the debt that they claim I owe. My letter is dated for   XXXX   the  XXXX , 2017. I know that I am well within my 30 pay period to dispute the debt. I have yet to see any form of communication in reference to this debt.
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Reliant Capital Solutions has already reported this debt to all   XXXX   credit bureaus. According to the FCRA, Reliant Capital Solutions is in violations as they are supposed to respond to my request to validate the debt.
Consumer complaint received 2017-05-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C. (MD)

Since  XXXX   2016  I have been going back and forth to have these accounts contained in my credit file removed. This company has had over  XXXX  accounts listed as me being the debtor. I contacted this company was told that checks written and was returned. I requested documentation and documentation was provided to me however. The identificaiton number listed on the checks is not mines. I have provided this company with a copy of my drivers license to verify the license number listed was not mines. They have removed a great deal of the accounts however there are still  XXXX  accounts reporting.I do not have the time, and money to continue to send letters. I have provided all the documenatation I possibly can provide. If you look at the  XXXX  different checks I attached those numbers are not the same. I am not sure how they linked me to this account but I want this matter resolved once and for all.
Consumer complaint received 2023-03-14
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: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1692C
Consumer complaint received 2023-03-14
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. (NY)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1692C
Consumer complaint received 2023-03-14
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: EQUIFAX, INC. (NC)

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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-03-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (OH)

PayPal prepaid masterCard. I put {$80.00} on this card cash at a grocery store so I can use this card online and they took my money. It's been three weeks now and I could not activate this card so I can use it. Customer service keeps telling me I will get a check refund but it has never came. I keep getting the runaround on phone and email, only to find out that they still refuse to send my refund check. They refuse to give me my {$80.00} back. I feel like they are a scam.
Consumer complaint received 2023-03-14
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: 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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Credit Reporting Account, XXXX XXXX, Account # XXXX, has violated my rights. 

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
Consumer complaint received 2023-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2022-10-22
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. (CA)

Upon reviewing my updates, the incorrect items were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax, and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete 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 Balance Owed : {$0.00} ; XXXX XX/XX/2022 ; XXXX  XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022
Consumer complaint received 2021-01-20
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: EQUIFAX, INC. (NC)

XXXX XXXX XXXX XXXX has inaccurate information reporting to my credit repotr on all 3 credit bureaus. The rules of the FCRA states that if the inaccurate information can not be verified, the consumer reporting agency has a responsibility to remove it. 
i will be attaching all the inaccurate reporting that is being reported. i have tried multiple times to address this but my be i explained it wrong.
Consumer complaint received 2023-05-25
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. (NV)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX  XXXX XXXX XXXX : {$2100.00} ; XXXX XXXX XXXX  XXXX Balance : {$1600.00} ; XXXX XXXX Balance : {$250.00} ; XXXX  XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX FIRE DEPART ) XXXX XXXX : {$1900.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$6600.00} ; XXXX & XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2017-05-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AFNI INC. (NC)

Thi s Compliant is being sent to AFNI, INC in r esponse to a listing on my credit report. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices A ct, 15 USC 1692g  Sec . 809 ( 8 ).  I NEVER established a contract with this company at all, furthermore a bill is not a contract from a alleged debt owed.At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (  XXXX ,   XXXX   and  XXXX   ) t his action might constitute fraud under both Federal and State Laws ) which are in violation of the following : the Fair Credit Reporting Act the Fair Debt Collection Practices Act Defamation of Character Please be advised that if collection attempts continue after receipt of this notice, I will immediately file a complaint with the Federal Trade Commission and the Georgia Attorney Generals office.
Consumer complaint received 2022-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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
Consumer complaint received 2023-01-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (CO)

This is a continuation on complaint XXXX, new issues have been found. 
I thought the initial complaint regarding my VA loan assumption was resolved, however when I logged into the M & T online banking system to pay my mortgage for XXXX I was presented with the option of paying with the banking information of the couple who I assumed the loan from. I contacted the couple and informed them that their payment information was given to me with the option to pay one month, autopay, or apply extra payment to the principle. I have taken screenshot verifying this that are available on request. I contacted the couple and informed them as well as M & T. M & T has been informed multiple that they have a problem with their system confusing the old owners information with mine. We have had M & T send my personal information to their mailing address, pay their homeowners insurance and adjusting my payment to cover the cost, gave me the old homeowners insurance information and encouraged me to call XXXX and get a refund on their account. M & T has had multiple opportunities to review this situation, providing me the old homeowners payment information and the opportunity to drain the account is negligent at this point.
Consumer complaint received 2017-09-18
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I purchased a TV online with XXXX XXXX which I never received. The TV was supposed to be a legitimate XXXX TV. The first charge was supposed to be for a XXXX XXXX for {$2000.00}. Then after speaking with them it was switched to XXXX XXXX for {$3000.00} on their advice. Yet I was charged {$3200.00}. Bank of America refunded {$2500.00} but bank let the merchant keep {$720.00}. {$400.00} for shipping back and forth. And a 10 % restocking fee. 

Note : no tracking number was provided. I attempted to cancel the order once I knew it was a scam by saying that I found the TV somewhere else cheaper. I just wanted to be done with this company completely. The TV is not a legitimate XXXX TV.
XXXX does n't even authorize XXXX to resell their TVs. They also go by many different names as XXXX XXXX XXXX 's XXXX, XXXX XXXX XXXX. 

BOA did n't ask me for any of my documentation and XXXX only sent in documents to help their side but did n't send in all the corespondence. Bank in this case did not do their due diligence in seeing what a scam XXXX is. Please, help me to resolve this matter swiftly to protect myself other consumers from these unethical practices by this unscrupulous company. I appreciate your help in this matter. 

Thank You! 
Cordially, XXXX XXXX
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2018-10-11
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: EQUIFAX, INC. (MN)

After filing a former complaint through the CFPB, Equifax closed the dispute and said " There are one or more accounts with a major derogatory event in your credit file '' but when I try to dispute any negative accounts listed on my credit report, there aren't any to dispute. It says on my credit report " there are no negative accounts to display ''
Consumer complaint received 2023-03-14
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: EQUIFAX, INC. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2018-10-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: PRESTIGE FINANCIAL SERVICES INC (TX)

Continued complaint # XXXX ... .this is the third request for payoff instructions : on XX/XX/2018, the payoff amount is per CSR is {$20000.00} up fromXX/XX/2018 of {$20000.00}. Payoff address XXXX XXXX XXXX XXXX XXXX, UT XXXX Attn : XXXX. The company is known to debit customers accounts w/o proper authorization, this information will be forward to our personal accounts provided to Prestige Financial prior to paying loan in full. The lender will be expected to transfer title properly and immediately upon receiving payoff in full.
Consumer complaint received 2017-05-17
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (FL)

Hi, I have opened an account with  XXXX , in which they have offered me 12 months promotional period for any purchase ( no minimum value ). The first outstanding balance  (  purchasing amount ) was {$460.00}.     So I have divided my payments into 12 monthly payments and I set an auto-pay to let the payment withdrawn from   XXXX    XXXX   XXXX  account.     I 've started paying the monthly payments, until I received the seventh statement which says I have been charged an interest ( and it was deferred ) because the promotional offer has expired aft er six  months. Which is totally untrue. They did n't send me any agreements that says if my promotional offer is 12 or 6 months.     I contacted Synchrony bank four times and after long conversations (  XXXX  ) & (  XXXX  ) they said I have to go back to the store.     I really did and the store denied this and kept asking me for documents to prove this which I never received. And honestly I was n't aware about these statements because I have enrolled in the electronic statement and they told me that this is indicated in the statement. I did n't read this.     I told them this is not acceptable and I am a person who does n't buy with interest because of my belief. This is a rule in my life. And they have fooled me. I offered them to pay the entire balance only if they take-off the interest charged, but they denied.     I came back to the bank and they kept saying there is nothing that can they do with me. And they have offered me {$25.00} credit. I refused to take them, because I am not begging for money, I was asking to get back my right and not to be fooled.     My Name :  XXXX   XXXX   XXXX  My Account # with Synchrony bank is :  XXXX  My Email is :  XXXX  XXXX  XXXX  My Phone Number is :  XXXX   XXXX   XXXX  Address :  XXXX   XXXX   XXXX   XXXX    XXXX     XXXX   XXXX   XXXX   XXXX  FL
Consumer complaint received 2023-03-14
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: EQUIFAX, INC. (OH)

My credit report is showing XXXX XXXX  60 days past due for the month of XX/XX/2019. This accounts was not past due the month of XX/XX/2019 XXXX
Consumer complaint received 2017-11-25
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (MI)

After reviewing my XXXX credit report I noticed an Inquiry on my report from One Main Financial that was reported on XXXX XXXX, 2017. I personally did not authorize to have One Main Financial review my credit report. I sent them several letters including an Affidavit affirming the veracity of my statement that I DID NOT agree to the inquiry. As well as 3 other letters asking them to remove it. They sent back XXXX generic letters claiming that I inquired for a loan online. I disputed that I did so and they sent me an application that was filed in my name WITHOUT MY SIGNATURE. I am stating that I am a victim of identity theft and they are not even acknowledging my correspondence. I sent them a letter stating that I will be complaining and considering suing them and they still sent me another generic letter about me applying online. I am EXTREMELY UPSET that they are not investigating this matter or removing this inquiry! They are just ignoring my correspondence including an Affadavit signed by a Notary!
Consumer complaint received 2023-03-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FinCo Services Inc DBA Current (LA)

XX/XX/XXXX I received a payment from my unemployment that I been waiting on for 2 years was sent to the account. Between XXXX XXXX I was told additional info was needed. I turned in everything they asked for. So on XX/XX/XXXX I was told my account would be closed. That funds will be sent back to originator. 2 months later and I havent received that payment yet. I was told funds wasnt sent back from my back to file a report.
Consumer complaint received 2022-12-02
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. (SC)

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. By notifying you my credit reporting should be repaired as soon as the fraudulent items are dealt with. Please remove the following : XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX : {$100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance : {$690.00} ; XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX