davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX Balance : {$1700.00}
Consumer complaint received 2023-09-11
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (VA)

I am writing to address an issue with my Synchrony Bank ( TJ Maxx ) account. My bill is due on the XXXX of each month, and I consistently paid between the XXXX and the XXXX and sometimes earlier. Despite receiving confirmations of my timely payments, my account was repeatedly marked as past due. However, when reviewing past statements it does not indicate repeated dishonored payments. 

Upon contacting TJ Maxx, I was informed that payments made the day before the due date could still be considered late due to a 48-hour posting delay in their system. However, this information is not available on their website. 

Because of this confusion, I was charged an extra {$100.00}, resulting in two payments for the month of XXXX. Although TJ Maxx reversed a {$38.00} late fee when I reached out, they subsequently closed my account. This situation has not only been confusing but has also unfairly impacted my credit score. 

I seek clarity and rectification on why a payment made a day before the stipulated due date is considered past due without transparent communication regarding the 48-hour posting delay.
Consumer complaint received 2024-04-25
Product: Credit card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc. (NV)

I applied for a XXXX XXXX Credit Card Account. I was approved for a card in-store and made a purchase. I never received a card in the mail or a statement in order to make a payment. I called on XX/XX/2024 and requested a card be sent and a statement. I also requested account information in order to create an account online to make my payments. They refused to provide information over the phone stating I had to wait for a card in the mail. I still have not received a statement or card in the mail to make an account to make a payment online. I called again on XX/XX/2024 to resolve the issue and spoke to five different people who can not help me. They told me I am being charged late fees and interest on the card. ( card is interest-free for 24 months ) They have refused to remove the late fees and then tell me I have to wait for a card in the mail in order to make a payment. In which time my card will continue to accure late fees and interest on a interest-free card. Why can I not get them to send me a card in the mail? Why can they not provide me an account number or any information even though they have to verify who I am? And how is this company even still able to do this to people?
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Synovus Bank (TX)

I AM A VICTIM OF IDENITY THEFT 15 US CODE 1681 C-2 A CONSUMER REPORTING AGENNCY SHALL XXXX THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM ALLEGED IDENITY THEFT, NOT LATER THAN 4 BUSINESS DAYS AFTER DATE OF RECIEPT.IT HAS BEEN 30 DAYS AND YOU ARE IN VIOLATION OF THIS LAW BECAUSE IAM A VICTIM OF IDENITY THEFT!! PLEASE DELETE THE FOLLOWING ACCOUNTS 1 ) FIRST PROGRESS CARD OPEN XX/XX/XXXX ACCT XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ACCT XXXX THESE ACCOUNTS SHOULD NOT BE FURNISHED ON MY CONSUMER REPORT AS THEY ARE IN VIOLATION UNDER 15 US CODE 1681 B NO CONSENT IDENITY THEFT PLEASE REMOVE AS COSMER I AM DEMANDING DELETION
Consumer complaint received 2023-07-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I reached out to all three credit bureaus : XXXX, Experian, and XXXX an regards to hard inquiries and late payments that reported to my credit report UNAUTHORIZED, NO WRITTEN CONSENT an other words NO CONSENT IS IDENTIFY THEFT. I have sent Federal Trade Commission ( FTC ) Identify Theft report via certified mail an order to track its deliverance to each credit bureau because its vital to me to have these items removed from my credit report. I did follow up calls and was given false information from XXXX that they didnt receive the letter but I have proof from tracking the letter. Experian only removed selected items and XXXX refusing to remove items.
Consumer complaint received 2018-03-28
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: SUNTRUST BANKS, INC. (GA)

Suntrust Bank is reporting a balance of {$580.00} on a closed account and FP ( failed to pay ) from XX/XX/XXXX until today, XX/XX/XXXX. The last payment on my settlement was paid and received on XX/XX/XXXX.I have a letter stating " your account is settled in full and your obligation to us and the above named creditor is now satisfied '' referencing this date. I have disputed with the credit bureaus and Suntrust, after every investigation Suntrust refuses to update per the correct information contained in this dispute.
Consumer complaint received 2023-07-07
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. (AZ)

I am reaching out to discuss an issue with a XXXX XXXX XXXX XXXX account that is reported inaccurately on my credit report. 

This particular account, despite having been charged off, continues to be reported as such on my credit report every month. Moreover, in some months, there is no data reported for this account at all. This inconsistent reporting further underscores the inaccuracy of the information being provided. 

As per the guidelines of the Fair Credit Reporting Act, all information presented on a credit report must be 100 % accurate. Given the ongoing inaccuracies and inconsistencies with this account 's reporting, it is clear that this standard is not being met. 

These inaccuracies are having a detrimental impact on my credit score, and I kindly request your assistance in rectifying this situation. I am seeking the removal of this charged-off account from my credit report, given the incorrect and inconsistent information being reported. 

Thank you for your immediate attention to this matter. 

Best regards, XXXX XXXX
Consumer complaint received 2018-03-28
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. (IL)

Student loans were taken out in XX/XX/XXXX,XX/XX/XXXX, & XX/XX/XXXX. All of the loans went delinquent inXX/XX/XXXX when I filed bankruptcy, which means they are way to old to still be reporting to the three credit reporting agencies. Over the course of the years the loans have been consolidated or transferred into new loans and they continue to report. I believe that XXXX is purposely manipulating the date of first missed payment to a later date so the loans fall within the 7 year limit therefore allowing them to continue to report. All of these student loans should be deleted from all three major credit bureaus given the fact they went delinquent inXX/XX/XXXX. I am including the payment history provided by XXXX   that directly contradicts what they are reporting and proves my claim. I have made multiple efforts to dispute with all three major credit bureaus and have not been successful.XX/XX/XXXX reports back information as accurate. I have not received any correspondence back from XXXX with an explanation as to why the deliquient dates they provided to credit reporting agencies are incorrect and why they will NOT delete all the loan information from the Bureaus. Highlighted in yellow on the attached document shows the exact dates of the first delinquencies. As you can also see no NEW loans have been taken out since XX/XX/XXXX and all the loan info since is some spinoff of the original loan. My complaint is to XXXX for failing to report accurate information that would lead to the deletion of these loans, To Equifax, XXXX, and XXXX, for not removing the old loan information when I provided proof to them that the information being provided to them is not accurate Attachments XXXX XXXX XXXX
Consumer complaint received 2024-04-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC (FL)

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX WAKEFIELD & ASSOCIATES , Reported : XXXX. XXXX, XXXX - {$1000.00} Needs Attention Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious WAKEFIELD & ASSOCIATES, Reported : XXXX. XXXX, XXXX - {$1000.00} Needs Attention I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2022-11-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (FL)

Regarding unauthorized charges too the account ending in XXXX. There have been varies XXXX made to this account. I'm trying to have the XXXX charged back. Neither, I or anyone authorized by me made those charges. I need help to obtain these XXXX  charged back.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

-these inquiries are not results on any actions on my part and are fraudulent
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

-these inquiries are not results on any actions on my part and are fraudulent
Consumer complaint received 2023-12-22
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. (FL)

In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX Company : XXXX, Account # XXXX Company : XXXX, Account # XXXX Company : XXXX XXXX, Account # XXXX Company : XXXX XXXX XXXX, Account # XXXX Company : XXXX XXXX, Account # XXXX Company : XXXX, Account # XXXX Company : XXXX XXXX, Account # XXXX Company : XXXX XXXX  XXXX XXXX  XXXX XXXX, Account # XXXX Company : XXXXXXXX XXXX, Account # XXXX Company : 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 an account without my written instructions.
Consumer complaint received 2023-09-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: A.R.M. Solutions, Inc. (OH)

XXXX XXXX XXXX repeatedly harasses me for XXXX XXXX payments that are not overdue. Starting in XX/XX/2023, the company began calling and sending me letters for overdue payments that were not overdue. In XXXX, the payment owed was posted on the portal on XX/XX/2023. I paid the bill via the portal on XX/XX/2023 and received an email confirmation. The next day, I received a phone call telling me my bill was overdue and needed to pay the balance. I explained to the rep that I paid and received an email confirmation for payment. I spoke with an account manager about it later that week, but still received a notice about a week after that, indicating that my payment was overdue. I checked the portal and I still did not have a payment due and the next bill was not posted. On XXXX XXXX, the next payment was posted and I paid it on XX/XX/2023 with email confirmation and the payment showing in the billing history. About ten days after this I received another notice that this payment was overdue. I receive no notices when these payment due notices are posted and I'm still paying promptly. The payments on the portal are not visible when they are posted as I checked it a few days prior to my XXXX payment and did not see it. I paid it as soon as it was visible. I submitted a complaint with the XXXX XXXX XXXX  on XX/XX/2023 about these practices. This is the initial response that I received : " Since you have elected to forego auto-pay, this does increase your chances of being notified of a past due bill since these bills have not been paid on time since XXXX. I can assure you that you are not, at this point, being dinged or reported to any credit bureau agencies. '' However, today, XX/XX/2023, I received a notice from a debt collector ( A.R.M Solutions ) that I owe {$34.00} as of XX/XX/2023. However, this was paid on XX/XX/2023 ( 7 days after being posted ) and I currently have a {$0.00} balance.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

On Monday, XX/XX/XXXX, I, XXXX XXXX received a letter from " Equifax '' dated " XX/XX/XXXX '' demanding/requiring that I provide sensitive personally identifying information via the mail service to verify my identity. This is unreasonable and unacceptable. Countless times, I have attempted to have a fraud alert placed on my Equifax credit file due to recent data breaches that I have been notified about. Equifax has been impossible to work with. Equifax has been unavailable and inaccessible. Equifax has a storied history of problematic organizational behavior. 

According to Equifax 's website =XXXX XXXX XXXX XXXX  " Participation in Trade Associations Our participation in the political process is designed to promote and protect the economic future of Equifax, our shareholders and employees, and we maintain memberships with a variety of trade associations in the United States for that purpose.

Set forth below are the names of U.S. based ( 1 ) trade associations, ( 2 ) tax-exempt organizations that write and endorse model legislation, and ( 3 ) 501 ( c ) ( 4 ) social welfare organizations, in each case, that are engaged in U.S. lobbying activities, managed by the Equifax Government Relations department , and received annual payments from Equifax of at least {$50000.00} in XXXX : Consumer Data Industry Association National Employment Opportunity Network ( NEON ) Better Identity Coalition US . Chamber of Commerce The aggregate annual amount paid by Equifax to all such organizations in XXXX, including but not limited to those named above, is approximately {$1.00} XXXX. '' It is clear that Equifax is only interested in benefiting themselves and NOT the American people or Americans like myself. 

The corrupt U.S. government allows companies like Equifax to keep on keeping on. All the while Equifax has refused to assist me both now and in years past. This is now well documented in my various Consumer complaints with this agency over the past number of years. 

Fortunately, XXXX quickly assisted me online with placing a fraud alert on the XXXX credit file and assured me that XXXX had also notified XXXX and Equifax to do so as well. With that said, I have ZERO faith that Equifax has followed through on that notification. 

XXXX also notified me that they too have placed a fraud alert on my XXXX credit file and assured me that XXXX notified XXXX and Equifax to do so as well. Again, I have ZERO faith that Equifax has followed through on either of those notifications. 

I am submitting this latest complaint to draw attention to Equifax 's business practices which I find to be both gross and nauseating.
Consumer complaint received 2023-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK (TX)

On XXXX XXXX XXXX  I ordered a printer through the XXXX website, from one of their affiliate vendors, and the order total was {$67.00}. I never received a confirmation email about the purchase, but my Discover Bank Debit Card was charged immediately. 

The vendor is listed as XXXX. The charge that appeared on my Discover Bank account lists the name of the vendor as XXXX 

I've contacted company through their support email address and received no response. I've tried calling their listed number many times and someone just answers the phone and hangs up. 

I contacted XXXX on XX/XX/2023 and spoke with 2 different customer service representatives, and they said they couldn't refund the money since the affiliate has left the transaction in " pending payment '' status. They also told me I could not speak to a supervisor as all the supervisors were in a meeting. 

I contacted Discover on XX/XX/ to have the charge reversed. They said that even though it turned out to be a scam, they could not reverse the charge because I used my debit card instead of a credit card. 

Attached is a PDF file that includes the email I sent to the company, the screenshots I took of the order as I was placing it. And redacted screenshots showing the transaction on my Discover Bank account.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX