davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-03
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. (RI)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX Balance : {$160000.00} XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$25000.00} XXXX XXXX XXXX Balance : {$4500.00}
Consumer complaint received 2023-05-15
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. (FL)

Please see attached. 

15 usc 1681a ( 2 ) ( A ) ( i ) specifies transactions and experiences are EXCLUDED from my consumer report.

EQUIFAX is securitizing consumers data yet refuses to follow the FCRA. Said company is liable under the SEC follow certain rules. EQUIFAX commission file number XXXX
Consumer complaint received 2022-09-22
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: SYNCHRONY FINANCIAL (AR)

I purchased a living room set from XXXX XXXX in XXXX, Arkansas. I chose to use Synchrony Bank for the no interest. My dispute is that the furniture I purchased was not the furniture that was delivered to me 3 days later @ XXXX XXXX in pouring rain. I noticed immediately that the furniture delivered was a much cheaper set and not the set I agreed to buy. I called the very next morning and was told to try it and call back Monday. The furniture is so bad that you can't even set in it due to a board hitting your back. I was immediately told they don't take returns. XXXX submitted numerous documents multiple times and all Synchrony Bank customer service continues to say is that its a quality issue. For one reason or another they can't get it through their head that I was delivered a much cheaper, lower quality of furniture and NOT the furniture I agreed to pay for. XXXX XXXX have forged my signature on the delivery paper saying I inspected it. The 3rd party delivery wasn't in my house long enough for me to sign anything. I have attached documents that were notarized by my attorney on the forging of my name and from 2 other parties and still Synchrony says its a quality issue and work with XXXX XXXX which I did and received the rudest conversation with. All XXXX XXXX has to do is submit the forged delivery slip and the copy of my application. I even agreed to upgrade and pay the difference but XXXX XXXX wouldn't even consider it. Hopefully I will be able to attach my documents that I sent to Synchrony. All I want is the original furniture I agreed to pay for instead of waiting 3 days to get a cheap set that I wouldn't pay XXXX for.
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NY)

Experian said they are unable to get my credit report or credit score. Companies running my credit say they are unable to get my credit report or that it is at XXXX due to this. XXXX, and XXXX both give me a score of XXXX as of XX/XX/2022.
Consumer complaint received 2023-07-26
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. (TX)

This is my NUMEROUS 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 items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX / XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$25000.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX, TN XXXX XXXX  XXXX XX/XX/2023
Consumer complaint received 2024-07-06
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: ROAD Auto Finance, LLC (GA)

Hard inquiries are showing on my Consumer Credit Report without my consent. This is causing harm to credit worthiness by violating my rights under 15 USC 1681 ( b ) 2 Permissible Purpose- any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ). in accordance with written instruction of the consumer to whom it relates, and also under 15 USC 6802 - Obligations with respect to disclosures ; a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title ( b ) Opt Out - A financial institution may not disclose nonpublic personal information to a nonaffiliated third party ( B ) the consumer is give the opportunity before the time that such information is initially disclosed to direct that such information not be disclosed to such third party. I did not give XXXX XXXX, XXXX or XXXX ) permission to share my information, nor was I give the opportunity to OPT OUT of having my information shared with consumer reporting agencies. This is a clear violation of the rights and I have a right to my privacy.
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I applied for a car loan through my bank and through XXXX credit. Both advised me Transunion reported my score as a XXXX. My score with transunion has been over XXXX for the last few years On line the score was over XXXX. When they did the hard inquiry I saw the score change to XXXX in real time. There is obviously a mistake in Transunions reporting. I called Transuion and was advised there was a big discrepancy between a XXXX and my actual credit score which in fact much higher. They were going to send verification via email but I have not received anything yet. I called a second time today and they advised me that I needed to file this complaint. This disinformation from Transunion cost me points on my loan application and a great deal of cash over the course of the loan. I NEED Transunion to fix this and send me confirmation.
Consumer complaint received 2022-12-04
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-08-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated (MI)

Filed fraud report as well as a police report with original creditor. This is the 2nd attempt with a new debt collector, which has resulted in lowering my credit score again. This company is in violation of Title VI of the Consumer Credit Protection Act.
Consumer complaint received 2023-07-26
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)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved 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
Consumer complaint received 2023-12-08
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: OneMain Finance Corporation (IL)

XXXX XXXX XXXX XXXX I did not make this inquiry. 

XXXX XXXX XXXX ON XXXX I did not make this inquiry XXXX XXXX XXXX on XXXX I did not make this inquiry XXXX XXXX XXXX XXXXXXXX XXXX on XXXX I did not make this inquiry Onemain Financial XXXX I did not make this inquiry I want these items removed and they stated I would have to follow these steps
Consumer complaint received 2021-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (KY)

Scam email came through as I was at the bank. Asked them if it was legit and was told no. It looks very convincing. Below is the email : Dear XXXX XXXX, I am writing to you because I have tried to contact you by phone about an important matter related to your account with PNC Bank and have been unable to reach you. Please give me a call at XXXX as soon as you are able. 



It is important for you to know that this is not a sales call and it is imperative that I speak with you at your earliest opportunity. If I do not hear from you, PNC may move to close your account relationship. 



We appreciate your prompt attention to this request. 



XXXX Customer Outreach Team PNC Bank ( P ) XXXX XXXX The contents of this email are the property of PNC. If it was not addressed to you, you have no legal right to read it. If you think you received it in error, please notify the sender. Do not forward or copy without permission of the sender. This message may be considered a commercial electronic message under XXXX law or this message may contain an advertisement of a product or service and thus may constitute a commercial electronic mail message under US law. You may unsubscribe at any time from receiving commercial electronic messages from PNC at XXXX : XXXX PNC, XXXX XXXX XXXX, XXXX, PA XXXX ; XXXX
Consumer complaint received 2022-10-20
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. (CO)

On XX/XX/XXXX, I contacted Experian, XXXX, and XXXX representatives concerning the likelihood of false accounts being established using my customer data. I implored everyone to delete these accounts since I had no idea how they got there. All three firms advised me on how to keep track of things and complete an FTC form. I sent my information on XX/XX/XXXX. Even though I had filed my letters more than 30 days previously since they had been " verified, '' the accounts that were not mine were still shown in my documentation. This situation bothers and concerns me because it inhibits my family and me from purchasing a property. On XX/XX/XXXX, I called the three firms again to inquire about how they could certify that these accounts belonged to me. They told me to contact the debt collectors directly because they couldn't help me any further. Every bank that the client dialed at the same time and forwarded to me had been dialed incorrectly ; they had no idea who I was or what the accounts were about. An online verification was completed to ensure that I had not made a mistake. My buddies advised me to visit the CFPB website. I'm hoping this works because my family and I desperately need the house we're trying to buy.
Consumer complaint received 2021-07-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (TX)

Collection is not from orginal creditor. I donot owe Waypoint. I have never heard of Waypoint Resource Group. I never did a contract with them. I have never done any buisness with this company.I have sent them 3 letters certified to validate that I have done any business with them with signature, they have refused to respond
Consumer complaint received 2022-10-20
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. (NY)

I am a natural person. I am a living human being. I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. They violated my rights numerous times. 

I demand the accounts listed below be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts : XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-10-20
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. (VA)

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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. 

Please delete these accounts from my credit report. 

XXXX. Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX XXXX CO ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX XXXX CO ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AL)

Since opening my first credit account more than 4 years ago, neither me nor any lenders have been able to access an Equifax credit report under my information. On Tuesday, XX/XX/XXXX, I faxed requested identify verification information to Equifax which I was told was required to lift a security freeze on my account. On XX/XX/XXXX, I provided the same information again via phone/email as Equifax was unable to locate the fax. After Equifax received the requested documents, I was informed by the Equifax representative that there was never a security freeze on my account but that Equifax could not locate any credit history for me. This is despite the fact that I currently have 7 active credit accounts with lenders including XXXXXXXX XXXX XXXX XXXX XXXX and XXXX, and all 7 active accounts are currently reflected on both my XXXX and XXXX reports. Neither I nor any lenders have had any problem accessing my XXXX or XXXX credit reports.
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my NUMEROUS 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 items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX  XXXX Balance : {$570.00} ; XXXX XXXX XXXX Balance : {$7000.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX  XXXX XX/XX/XXXX.
Consumer complaint received 2021-07-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/ 2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Consumer complaint received 2023-07-26
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. (CA)

Once more, this XXXX submission of my complaint was to follow up to the Experian, XXXX and XXXX Credit Bureaus the assistance for help to have several unauthorized credit inquiries properly investigated and removed if not verifiable from my credit report. I received a copy of my credit report and noticed that there are XXXX XXXX XXXXXXXX ) unauthorized inquiries listed. The unauthorized inquiries are listed below : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-14
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. (FL)

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXXXXXX ACCT # XXXX XXXXXXXX XXXX Acct # XXXXXXXX XXXX Acct # XXXXXXXX XXXX Acct # 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 2022-10-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I closed my account in XX/XX/XXXX due to personal reasons. When speaking to a representative at XXXX Bank when closing the account she waived my {$25.00} late payment as a one-time courtesy and informed me that my {$200.00} security deposit would apply to my balance which meant I would not receive it back. I informed the representative that I was okay with that and was under the impression my account was closed. XXXX Bank has been reporting to my credit for years that my account closed on XX/XX/XXXX, because that date does not work in the companys favor, I am expected to take the loss for your company to drop the ball. XXXX XXXX had IT look into why XXXX has been reporting to the credit bureaus that my account closed on XX/XX/XXXX, and when speaking to her on XX/XX/XXXX, she stated IT could see something happened on XX/XX/XXXX, but didnt know what happened on that date. XXXX could not pinpoint what happened on that date and has no factual evidence of what happened but only a date embedded in your system she stated it could be changed to XX/XX/XXXX. As you can see, nothing is consistent with the information that has been told to me. The previous representative XXXX informed me that she could see where the account was closed on XX/XX/XXXX, so where is the disconnect coming from? XXXX XXXX informed me that XXXX closed my account on XX/XX/XXXX, because of a lack of payment and activity. Once an account is closed, the system triggers the deposit to apply to the balance within 24 hours. I asked her how it was even possible when the billing statement says the deposit was applied on XX/XX/XXXX. Her response was the system probably generated a generic date but, in her response that I have attached to this email, she stated my account was closed on XX/XX/XXXX, and the deposit was applied on XX/XX/XXXX. Please reference ALL calls for evidence.
Consumer complaint received 2022-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (IL)

I was required to complete an XXXX XXXX XXXX XXXXorm and send in 3 months of bank statements in which I did from my credit union which is XXXX XXXX  All was completed but the notary didnt put in the end and the beginning balance which was on my bank statements. Ive been with them over 4 years never missed a payment and always paid on time or before time.! I feel this wasnt my era and I should have got a chance to have them complete the form. Spoke to some lady with discover and ask to speak to manager she said they will get back with me which is poor customer service!! Dealing with everyday life after a global pandemic I feel I should have been given more time since clearly they see I tried.!!