davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX My complaint is against Equifax : They have gone through my whole credit file, and re-aged debt information from XX/XX/XXXX, to now show as if I have new collections, and charge offs from XX/XX/XXXX, and XX/XX/XXXX, thereby further destroying, and slandering my credit. 

Equifax does not update positive credit information that they receive onto my credit file, but consistently they do whatever possible to lower, and keep my credit score at a FAILING level. 

True financial facts, and updates that should be taking place monthly onto my credit file, are not. 

Anything derogatory, false, fraudulent, untrue, and at times even not belonging to me, is placed onto my credit file. 

In XX/XX/XXXX, I had filed a complaint with the CFPB against XXXX XXXX, and its collection cohorts. 
I have several accounts listed on my credit file, that since XXXX XXXX  XXXX, I have had nothing to do with, going on 4 years. 

I am attaching a copy of an ALERT from the XXXX XXXX XXXX, regarding XXXX XXXX. 

For years, Ive been making complaints about XXXX XXXX, for all of the same reasons, plus more, that the other consumers have complained about in this ALERT. 

TODAY, MY COMPLAINT IS SOLELY ABOUT EQUIFAX, as it relates to the reporting of the old XXXX, and their cohort collectors, and the other derogatory accounts that are on my credit file. 

ON XXXX, XXXX, I learned from two lenders, and an insurance agent that I was going to do business with. 

I learned that in XX/XX/XXXX, Equifax has gone through my whole credit file, and has lowered my credit score, even lower to the XXXX. 

Someone at Equifax, took ALL old XXXX negative accounts on my credit file, and they re-aged the accounts to look as though they became negative as of XXXX and XXXX XXXX  XXXX. 

This was done intentionally to cause Irreparable damage, and it was done in collusion with, and on advice from XXXX, and its collection cohorts, because I had recently filed complaint against them.
Consumer complaint received 2024-03-23
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)

I am writing to please delete the following information from my file. the items i needed are listed in the reported, i am a victim of identity theft and i did not make the charge. i ask the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and also have enclosed copies of the federal trade commision affidavit please deleted the items as soon as posible
Consumer complaint received 2023-05-29
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: EQUIFAX, INC. (TX)

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2018-10-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (MO)

Failure to comply with request for validation. On XX/XX/2018 I sent via certified mail to Syncb/XXXX XXXX XXXX  a request for validation and letter of dispute for an alleged debt that is reporting on XXXX  a {$0.00} balance and on XXXX   and XXXX a {$1000.00} balance. Syncb/XXXX XXXX XXXX received and signed for the letter on XX/XX/2018. Syncb/XXXX XXXX XXXX failed to respond to my letter of dispute/request for validation and to place comment of dispute with the credit bureaus they are reporting, XXXX, XXXX, and XXXX. On XX/XX/2018 I again sent a letter for request of validation and dispute via certified mail to Syncb/XXXX XXXX XXXX  for which they received and signed for on XX/XX/2018. Again Syncb/XXXX XXXX XXXX completely ignored my letter and failed to place a comment of dispute with the credit bureaus. By doing so Syncb/XXXX XXXX XXXX  is in violation with applicable FCRA & FDCPA laws pertaining to this alleged debt they have erroneously placed on my credit report.
Consumer complaint received 2022-11-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (IL)

On XX/XX/2022 I had {$920.00} & XX/XX/XXXX. XXXX  {$240.00} withdrawn from my checking account without my consent! It caused overdraft fees of {$250.00}. I called US Bank immediately to report what I thought was fraud. I spent XXXX hours on XXXX XXXX and spoke to XXXX departments. Today XXXX, XXXX I spent XXXX hours and spoke to XXXX people! US Bank acknowledged they took the funds and claim its for a old charged off line of credit but I never had a line or credit! I cant get proof from them because nobody is 100 % sure. In the meantime it has now bounced my car payment and left me in a negative account balance and I need money! This is fraud in my eyes!!!! Help please!
Consumer complaint received 2023-02-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (IL)

Hello I have a debt for XXXX XXXX and XXXX dollars from a collection agency which I was not aware of and I want to dispute it off my credit XXXX says I dont have any collections as well as trans XXXX but it still shows up
Consumer complaint received 2018-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (FL)

BEWARE! American Express is sharing customer data with XXXX. THIS IS UNBELIEVABLE in an age of data privacy. IT IS UP TO INDIVIDUALS to unlink their financial account with XXXX.
Consumer complaint received 2017-02-28
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I had a capital one card that was stolen. I contacted the company because charges had been filed on my card. The company refused to investigate the charges b/c they were made by someone I knew. Regardless of if I knew them the card was stolen and the charges were not authorized. The company refuses to investigate signatures, charges or any details. They sent the debt to a 3rd party collector without resolving my complaint. They also continue to contact me about a debt they refused to investigate. I also discussed with the company paying the debt that I was responsible for in return that they remove the debt from my credit report however they refused. They want me to pay for fraudulent charges that I did not incur and that they fail to investigate because it will be costly to them.
Consumer complaint received 2023-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (PA)

I received a incoming call from what came up as my bank WELS FARGO I was asked a few basic questions to verify my identity name birth date and last 4 digits of social I proceeded with the call the caller ask if I was a were of my card being used at different locations I said NO I have not used my card I opened up my banking app to review the charges the call disconnected I than received a notification from XXXX stating I authorize a XXXX dollar XXXX payment that I Never authorized I never use XXXX ever over my years with them since a XXXX XXXX grade student 9 years ago the call last about 20 mins immediately called my bank back and spoke with a representative that stated no one recently called me I was on the phone with the bank for 1 hr explain tht I had not authorized any XXXX nor did I ever set up a XXXX account authorized transfer or to receive money that way The bank closed my account stating I owe them the money the card with them I always paid on time never no issues I ask them to investigate this issues but in stead they said I owe causing my credit report to be damaged while Im in the process of buying a new home I worked hard on my credit and saving account with this bank and I demand an investigation
Consumer complaint received 2017-08-25
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: NATIONSTAR MORTGAGE LLC (LA)

XXXX XXXX, XXXX, Loan # XXXX, Case # XXXX, CFPB Case # XXXX Property Adress : XXXX XXXX XXXX XXXX, XXXX. XXXX Dear XXXX XXXX, Thank you for responding to my concerns. I have attached two default notice 's I received from XXXX XXXX XXXX and calculated figures from two billing statements listed below. 

1. XXXX XXXX, XXXX XXXX XXXX, XXXX - {$2800.00} 2. XXXX XXXX, XXXX XXXX XXXX, XXXX - {$1100.00} The totalling of both balances above comes to {$3900.00}. These calculations shows I was delinquent on my mortgage of six payments behind.
Consumer complaint received 2023-02-14
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. (TX)

I have send in certified letters to compose and credit bureaus about the unknown inquiries on my credit report XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 2022
Consumer complaint received 2018-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (CA)

My Account is in good standing. Bill to American Express Platinum is due XX/XX/2018 but as of a week ago American Express has been sending me numerous emails saying my card is frozen. I called and told American Express that my bill is not due and I should be able to use my PLATINUM CARD until I fail to make payment. It is misleading therefore for company to state card has no limits! It looks like some kind of racket that should be investigated. I am going to rethink my relationship with American Express. I don't like second class status!
Consumer complaint received 2021-07-29
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: LEXISNEXIS (MI)

LexisNexis stole my personal identification information and sold it to other credit reporting agencies without my written consent. Ive tried to opt of and delete all records pursuant to federal law, but they arent complicit.
Consumer complaint received 2023-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The issue is causing me significant distress and XXXX to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Consumer complaint received 2023-02-14
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. (MA)

I PULLED MY EXPERIAN REPORT AND NOTICED TWO XXXX XXXX ACCOUNTS THAT SHOULD NOT BE ON MY REPORT. XXXX XXXX FOR ACCOUNT BALANCE XXXX, XXXX XXXX  ACCOUNT BALANCE XXXX. MY CONCERNS THAT THE CREDITORS ACCOUNT NUMBERS ARE DIFFERENT FROM EXPERIAN CREDIT REPORT. THIS IS FRAUD AT AN ALL TIME HIGH. I KNOW MY CONSUMER RIGHTS. I AM BEING MISS TREATED.

THERE ARE LAWS IN PLACE AND I KNOW MY RIGHTS!

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

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-11-04
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: Chime Financial Inc (MN)

on XX/XX/2022 i reported to my bank chime that i got hacked and that my phone and all my cards got stolen the day of XXXX i made a police report and sent all information to chime through email even all of the evidence that my XXXX page was hack and money from my account was getting sent to people that i didn't authorize i explained this to them for 3 days and i still didn't receive any help from chime they kept emailing me that they didn't see any errors on my account then on XX/XX/2022 i found out that they lock my account and stated that detected usually activate on my account and emailed me that i had to send verification of my id and a picture of me with my id to supportatchime.com through email because when i tried to login and do it through the app it wasn't working so when they emailed me i sent all proof to them as they stated and then on XX/XX/2022 they emailed me aging and ask me to send all my proof to them aging but this time they wanted my id and another picture of me with my id and a piece of mail with my name and address i didn't understand why they needed more information just to unlock my account so i called them and ask if i can speak with a manger to ask them why did i have to keep sending my information when i already sent it they act like they couldn't answer my question so i ask them to close my account down because i feel as if they might be a part of the fraudulent activity the manger told me it will take approximately XXXX business days just to close my account they didn't help me get my money back they told me it wasn't any errors that accrued on my account but they locked it due to unusually activity on my account none of this made since to me i lost out on XXXX dollars do to scamming and people who hacked me i couldn't pay my rent i couldn't pay my bills for water and gas and electricity do to all of this activity that has happen and I'm going through a life XXXX and i need help and support for my identity and my money that was stolen from me i have all the information if needed i have my police report i have all the emails i have all the evidence that i was hacked i have everything but no one is willing to help me to resolve this problem
Consumer complaint received 2018-10-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX received my payment of {$1400.00} on XX/XX/2018. XXXX   has investigated and has updated my credit report and credit score. 

TransUnion and XXXX has not been updated by XXXX. Disputes were submitted, but results aren't complete. XXXX is refusing to report my payment to the credit bureaus.
Consumer complaint received 2017-07-09
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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (RI)

My husband and I are in the process of buying a house and went under contract, a month later our credit report was re-pulled to be sure nothing came up that would need to be resolved. We were not under the impression anything would. We found that we were marked late with our car loan through JP Morgan Chase for a month which we were not late. For two months prior we were late due to me being in and out of the hospital, my husband missing work, and unbeknownst to me, you are able to change date of payment with no penalty as long as it falls in the month. I was unaware of this and therefore those months were late. I paid those months ( XXXX and XXXX ) to date in the first week of XXXX on XXXX XXXX, 2017, amount {$490.00}, once this was paid to date, I then paid for the month of XXXX on XXXX XXXX, 2017, amount {$240.00}. My payment date is the XXXX of every month so I was sure to pay within the 30 day window. Paying on the XXXX was within that 30 day window. I called and spoke to SEVERAL different people all who told me they could not help me unless they were in the wrong. An investigation was opened with customer support that I called about daily. I was sent to the highest supervisor I could go to who was apologetic for the situation, but told me he could n't give me a letter stating they would remove this from my report, the best he could do was refund all late fees. He told me I had to go through the credit bureaus which I do n't have time to wait on considering the situation. He sent me to the executive office. They opened an investigation after speaking to two different people in this department, one of whom argued with me until she admitted they were at fault and noted my account. After proving my point that for the month of XXXX I was not late and stating several different times to several different people how time sensitive this is and I need a letter stating this will be removed from my credit to move forward with buying the house, I was unsuccessful in dealing with Chase and told I had to dispute this with the credit bureaus because they are n't authorized to send such letters and they could n't guarantee it would be removed through a dispute. I am at risk to lose my deposit, the house, and I ha e two little ones, another on the way, and this has tossed our world upside down. Chase has acted unreasonably in this situation. With me not being at fault for the month of XXXX, this should be removed from my credit.
Consumer complaint received 2022-11-04
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX : # 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 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 2017-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I have wrote  XXXX ,  XXXX , and Equifax on many occasions about a dismissed bankruptcy chapter  XXXX  and ask how they verified. Equifax said they will removed but still fail to do so.   XXXX   and   XXXX   said they verified but the court said they did n't verified threw them. This item is not mines