davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-19
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: EQUIFAX, INC. (NY)

FRAUDULENT INQUIRIES WAS DONE ON MY REPORT AS WELL AS A CREDIT CARD : EQUIFAX INQUIRY : XXXX XXXX XXXX  XX/XX/XXXX XXXX INQUIRY : XXXX XXXX XX/XX/XXXX XXXX INQUIRY : XXXX XXXX XXXX XX/XX/XXXX AND XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX # XXXX DATE OPEN XX/XX/XXXX FTC REPORT ATTACHED
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NH)

Account # XXXX Mortgage with USAA / XXXX. XXXX & XXXX XXXX We have had an outstanding payment performance with XXXX for our Mortgage payments. We were notified in XXXX that USAA was selling their Mortgage to XXXX XXXX. We called and asked if there was anything we needed to do and we were told No, that it would be a seemless transition. It was anything but seemless. We were told our direct deposit of our checking account would switch from XXXX to XXXX XXXX. When I checked my credit report it showed late payments from XXXX XXXX. We called XXXX XXXX and and found out that those payments did not get directly deposited into our new Mortgage with XXXX XXXX. In order to make our account current we made a XXXX time payment of {$13000.00}. which made our account current on XX/XX/XXXX. Today I saw that the credit report was now showing that XXXX was delinquent. The woman I spoke with today sent me our transaction history and it indeed shows our account was made current on XXXX, XXXX. The credit report is showing that we have an outstanding balance with USAA XXXX of {$8900.00}. when if fact that was all paid and then some to XXXX XXXX who now owns the loan and we have set up automatic deposit. We do not owe {$8900.00}. look at the account, it is current and yet our credit score continues to go down and you folks have not adjusted the outstanding balance. We are interested in refinancing or taking out a home equity loan but this has killed both me and my husbands credit scores. Please update your records and remove the deliquent months of payment so our credit can get back in good standing. I have talked to no less than XXXX people between USAA and XXXX XXXX. No one could give me an explanation and I was told to schedule a dispute. If this isn't taken care of we will be taking our business elsewhere. I have spent 3 days on this matter which should have been resolved in one phone call. 
Thank you in advance for your attention to this matter. 
XXXX XXXX XXXX
Consumer complaint received 2022-11-11
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

I have inaccurate information on my credit report. I contacted the creditors and credit bureaus and they have not responded within the 30 day time period.
Consumer complaint received 2022-11-11
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. (NC)

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

Account name : XXXX XXXX XXXX # XXXX has violated my rights. 

Account name : XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX 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 an 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 2023-01-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently pulled may report due to XXXX and XXXX data breached and saw an erroneous and inaccurate account. I have sent 3 letter and over 90 days later no response. I researched my rights and per FCRA 15 usc 1681 ( i ) all information being reported must be accurate. Which it s not and you are violating my rights as a US citizen.
Consumer complaint received 2023-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (NY)

XX/XX/2023 When calling the XXXX customer service, my credit report is not available to me online and the password reset option does not save the last password I've entered. I was asked for my social security number and they used it to apply for a car loan. The credit reporting service did not assist me in logging in properly, there is no acess online for disputing the added information to my credit report and they have added collections which interfere with my housing. It is causing a XXXX situation.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

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 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 2023-01-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST HORIZON BANK (NC)

On XX/XX/XXXX I deposited {$3.00} into my First Horizon checkings account, then on XX/XX/XXXX I deposited {$100.00}. Both deposits were cash and were deposited using the branches ATM. On XX/XX/XXXX I transferred {$100.00} to my XXXX XXXXXXXX checkings account using XXXX. On XX/XX/XXXX it was posted I deposited {$100.00} which meant I had {$100.00} total in my account. I check my account a few days later since I was planning on depositing more cash and it showed I had a - {$35.00} balance due to an overdraft fee. I then check my posted transactions and see it says I deposited the {$100.00} on XX/XX/XXXX instead of XX/XX/XXXX. This is the reason I was charged the fee since the system claims I put my account into a - {$100.00} balance before depositing the {$100.00}. This isnt true, I transferred the money AFTER depositing the {$100.00} which was posted for the XXXX at the time of transfer. The thing that really gets me is you can not put your account into a negative balance by transfer money with XXXX, the amount youre transferring has to be posted as your active balance for the transfer to go through. I have used my First Horizons checking for nearly a year as a way to deposit cash and have never had a issue until now. I spoke to someone at the branch and they made multiple different excuses throughout our interaction as to how its my fault I received the fee or how there was a error made on XXXX end. Never admitting First Horizon is at fault and made the error. In the end they said they can not refund me the fee and I feel I need to seek further advice and assistance for this issue. The attached images below show my posted transactions for my account along with pictures showing I went to first horizon on the XXXX but never did on the XXXX.
Consumer complaint received 2019-12-06
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: SYNCHRONY FINANCIAL (IL)

I have been disputing fraudulent charges on a Mattress Firm Credit Card/Synchrony Bank since XX/XX/XXXX. 
The card has not been in my possession since XX/XX/XXXX. The card was paid in full in XX/XX/XXXX 
Additionally, my name changed from " XXXX '' to " XXXX '' and the card charged was under " XXXX '', a name or signature I haven't used. 
Synchrony Bank sent me a new card in XX/XX/XXXXdue to the previous card expiring. I did not receive this card in the mail, nor was I notified that I was being sent a new card. 
In XXXX, I was sent a bill for nearly {$11000.00} in XXXX XXXX charges. I disputed these charges and the bank denied my dispute saying that " the telephone number used to activate the card was accurate ''. 
Additionally, in XXXX, XXXX XXXX  notified me that they had declined multiple charges at XXXX XXXX locations due to fraud, due to someone taking information from myXX/XX/XXXX account. 
I provided this information to Synchrony Bank, as well as information on my whereabouts when these charges happened, proof that I was at my office located over 1 hour and 1 state away from these XXXX XXXX locations, but was still denied. 
I continue to open the case back up, but keep being denied. Synchrony Bank was not able to release if there was a signature obtained during the transaction and if an ID was required when these purchases were made. 
Dates charges appeared on Synchrony Credit Card : XX/XX/XXXX : {$1000.00} in XXXX, Illinois. ( XXXX XXXX ) XX/XX/XXXX : {$2000.00} in XXXXXXXX XXXX XXXX, Illinois ( XXXX XXXX ) XX/XX/XXXX : {$5700.00} in XXXX, Wisconsin ( XXXX XXXX ). 
XXXX Credit Card charges - XXXX XXXX charge attempts DECLINED : XX/XX/XXXX : {$810.00} ( XXXX XXXX ) XX/XX/XXXX : {$370.00} ( XXXX XXXX ) I am in need of support as I feel I have provided every bit of proof that I can. XXXX XXXX  is willing to provide documentation on their end to show these were fraud charges and Synchrony Bank is still denying me.
Consumer complaint received 2024-01-02
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Westlake Services, LLC (FL)

I contacted the Westlake Portfolio to make arrangements to settle the account so I can become an XXXX. They agreed to settle for {$1600.00}. I also agreed to pay {$1600.00} to settle the account. I asked the representative to send me the information in writing because it kept me from starting the XXXX. They agreed. I never received it. I just got another email from them stating that the payoff amount is now {$2400.00}. They all of a sudden changed the amount. That's not right. I want and need the car off my credit report.
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I became aware of identity fraud when I received a debit card in the mail from an account I did not open and my employer was contacted about unemployment insurance claims. I tried to freeze my three credit reports. XXXX  and XXXXn froze without issue, but my file at TransUnion is split, and I can not freeze it or access it online. 

I reached out by phone XX/XX/XXXX to resolve the issue and was promised a callback within 72 hours, which never arrived. I tried again on XX/XX/XXXX, was promised the same 72 hour callback, which also never arrived. I tried again on XX/XX/XXXX, and again on XX/XX/XXXX, each with the same conclusion. 

I attempted to escalate the issue by purchasing credit monitoring services from TransUnion to become a customer. The service I purchased can not access my split credit file, but now the product they sold me is not performing as expected. It has a better support organization than their service center, but they still seem unable to resolve the issue, making the credit monitoring service I purchased worthless. 

I need to reach the right part of TU, but their support organization seems unable or unwilling to allow that.
Consumer complaint received 2023-01-14
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. (NC)

While checking my Experian consumer report, I notice unauthorized and fraudulent credit inquires made by the following companies ... Block and remove all Inquires listed below resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c- ( 2 ) which states that these inquires must be removed within 4 Business Days of receipt. I have also mailed out a FTC report to 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 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 2023-01-14
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: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting Act. 
XXXX XXXX Account # XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXXXXXX XXXX Account XXXX # XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX Bankruptcy reference number XXXX Hard inquires XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX date : XX/XX/XXXX XXXX XXXX XXXX date : XX/XX/XXXX XXXX XXXX XXXX date : XX/XX/XXXX 15 u.s.c 1681 section 602 A. States I have a 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 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these account.
Consumer complaint received 2023-01-14
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: Experian Information Solutions Inc. (MA)

Dear Credit Bureau : I recently received a copy of my credit report from the major credit reporting agencies, and noticed some late payments entry on my credit report : Your company is in CLEAR violation of the consumer law. Under 15 USC 1681b the permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL : Subject to subsection ( c ) any consumer agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT ( FCRA ) 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( a ) Subject to Section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experience between the consumer and the person making the report ; DELETE the entry of the above late payment from my consumer credit report, because this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with this DELETION of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : ( 1 ) Defamation of Character ( per se ) ; ( 2 ) Negligent Enablement of Identity Fraud ; ( 3 ) Fair Debt Collection Practice Act 15 USC 1692g violation ; ( 4 ) Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance 616. Civil liability for willful noncompliance [ 15 U.S.C 1681n ].

Thank you ... ... .....
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

PayPal charged me a late fee of {$30.00} and has reported negative information on my credit report for a payment they claim was refused for non-payment by my bank. I have contacted the bank from which the payment was made and that bank claims they received no requests for payment from PayPal on or around that date. The bank also confirmed that I have never had a payment refused at any time since opening this account. I contacted PayPal asking for clarification of their alleged request for payment that was refused and they have not responded within 30 days of my question.
Consumer complaint received 2023-01-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Peter Roberts & Associates, Inc. (MA)

Dear Peter Roberts & ASSOCIATES ; XXXX XXXX ; and CFPB ; This is a HIPPA violation plus i thought there was a law that passed that a medical collection of less than {$500.00} shouldn't report on my credit report. Wasn't there a new law that was passed last year about this???? 

Plus, I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever had any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-05-12
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: SANTANDER HOLDINGS USA, INC. (OH)

Company : SANTANDER CONSUMER USA Furnished date : XX/XX/2020 Bureaus Reporting : XXXX ; XXXX I was able to seek legal advice on cleaning up my consumer report, and noticed I have rights as a consumer granted to me by Congress. After studying I noticed this company along with several others have been violating my rights and taking advantage of me as a consumer. 

Violations : 15 U.S. Code 1666b : Timing of Payments 15 U.S. Code 1681b Permissible Purpose of consumer reports 15 U.S. Code 1681e Compliance Procedures I reached out to this company with several attempts explaining how they are violating my rights by furnishing accounts without my consent onto my consumer reports, as well as directly ignoring my Congress granted rights. I also reached out to XXXX and XXXX to dispute the account but the company ignored my request and did a subpar investigation into the situation that took only 1-3 days long. 

I am requesting this company ( Santander Consumer USA ) to remove the account from my consumer report immediately. There is no excuse for ignorance of the law. I am not disputing the fact the account belongs to me I am simply requesting to keep the transactions and experiences by us private and to not be shared with any 3rd party agencies.
Consumer complaint received 2021-09-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Retail Merchants Associates (TX)

There is a collection on my credit reports for {$1500.00} that is not mine. I have disputed, and my dispute was denied. The company is called Retail Merchant Association. They have refused to send me any documentation, and they claim the original creditor is an XXXX XXXX in the XXXX of XXXX. I have never been in an ambulance in my life, nor have I ever been to the XXXX of XXXX. I need this resolved please.