davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-02
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. (TX)

Have reported numerous times identity theft. Last identity theft report was closed after phone was hacked. I have had current equifax account for about 2 years. Suddenly equifax will not let me log into my account without contacting a call center in XXXX and getting a password sent to my email from them. They sent me an email saying the issue was fixed. It is not fixed and Im tired of fighting with these people over my own social security number. This is a violation of fcra and my rights to lock me out of my own credit report. The person stealing my ssn is constantly doing this to save their own behind. Im tired of it and nothing is ever done. This has been going on since around XX/XX/2022 2022
Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Westlake Services, LLC (CA)

I recently filed a complaint with the CFPB informing them that the credit reporting agencies are reporting inaccurate information. Within that complaint I mentioned that WESTLAKE FINANCIAL SERVI XXXX was reporting a couple of late payments for the months that I paid on time. I should not have any late payments with this company. I requested that they be contacted and made aware of these errors so that they can correct and update the payment history. Somehow, in the midst of doing so, this account was deleted form my credit report. I specifically typed in my complaint " please do not delete this account ''. By this accounts being deleted, my credit score dropped, and the length of my credit history has shortened. I have be unable to obtain new credit. Reading is fundamental, and due to the someone's mistake, I would like for WESTLAKE FINANCIAL SERVI XXXX to begin furnishing information onto my credit report again, as long as they fix the errors. Here are the corrections that need to be made. WESTLAKE FINANCIAL SERVI XXXX. I have written this creditor and have not received a response. XXXX of XXXX *Shows 30 days late, but I paid on time. XXXX of XXXX * Shows 30 days late, but I paid on time. This creditor is also reporting two months of unknown payment history for months that I paid on time ; XXXX of XXXX *Shows unknown, but I paid on time. XXXX of XXXX *Shows unknown, but I paid on time. Please have the creditor correct the payment history of as soon as possible. Thank you so much for your help with this, and please make sure I receive a copy of my consumer report upon completion reflecting the changes.
Consumer complaint received 2022-11-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (IL)

I notified Sunrise Credit Service that this XXXX account is due to result of being a victim of identity theft. I mailed them a copy of the Federal Trade Commission 's Identity Theft Report, Report Number : XXXX. This fraudulent account has been ging through several different collection agencies that XXXX claimed they have no control over. This account was fruadulently opened and is not my account. This account is being reporting on my credit reports by Sunrise Credit Service.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

THERE ARE THINGS LISTED ON MY CREDIT REPORT THAT I HAVE NO IDEA WHAT THAT ARE AND IT IS COSTING ME NEGATIVE FEEDBACK, AS WELL AS CLOSED ACCOUNTS AND A PREVIOUS BANKRUPTCY 7 PLUS YEARS OLD STILL BEING DISPLAYED UNDER DEROGATORY. XX/XX/2023 {$150.00}, XXXX 2023 XXXX, XXXX, XXXX,
Consumer complaint received 2022-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

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 2023-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Applied Business Services, Inc. (PA)

Hello, applied bank credit card closed my account without having my permission after sending the financial institution several reasons of why I would and have fell behind on payment prior to and after XXXX of XXXX and XX/XX/XXXX. The company has refused to offer repayment options and has harassed me multiple time to make a payment which then resulted in interest rates increasing making it almost impossible to pay down the balance. In fact, Ive asked for the balance to be lowered and the interest rate to be lowered in XXXX of XXXX which I was denied. Finally I would like to state my credit score has been negatively impacted.
Consumer complaint received 2023-05-15
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL, XXXX XXXX You are in Direct violation of the Fair Credit Reporting Act ( XXXX XXXX Account number XXXX ) has violatyd several of my rights 16 U.S.C. 1681 section 602 A. Clearly states that I have the right to privacy 16 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 16 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer plan as late for any purpose Remove the wrong late payment reporting and update account to PAANL ( Paid As Agreed Never Late ) acccording to the consumer protection laws.
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc. (MA)

When I was XXXX and Naive I financed a car from XXXX XXXX, They told me nothing about credit I got a XXXX ended up not being able to drive, couldnt work so it got repoed, now this is stuck on my credit even though it is paid and closed Im XXXX with still short credit history I cant open anything to improve my credit due to the repo, Computers detect a repo automatically denied for everything, They even sent me a check after the repo I assumed everything was okay, they did not tell me I had a debt issue And on the XXXX  XXXX XXXX site it lists my wrong address
Consumer complaint received 2024-01-06
Product: Credit reporting 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX, after checking the XXXX XXXX on the app I noticed that there was a hard inquiry to open up a credit card that I did not authorize. so I caused the TransUnion on XX/XX/XXXX. The customer service rep said if it was within 30 days he could help me out to dispute the hard inquiry. Or else I have to send a complaint from from FtC and send it to them if its more than 30 days. 
So he was able to help me dispute the hard inquiry. On XX/XX/XXXX, I called the TransUnion again to check the status. They said, I have to get a written letter from the hard inquiry, Bank, and also from FTC. I told them if it was within 30 days I dont have to do all those. They said, no, I must submit something inviting. 
On the same day XX/XX/XXXX, I also also called XXXX and XXXX and disputed hard inquiries and it was removed within 48 hours. 
When I looked up TransUnion website to dispute the XXXX  inquiry. It says I can not dispute online. I have the call the company. It doesnt say anywhere about submitting a complaint documents from FTC XXXX 
They can also listen recorded conversation I had on XX/XX/XXXX 2023
Consumer complaint received 2022-11-02
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: CITIBANK, N.A. (MI)

On XXXX XXXX, XXXX  I went online to XXXX I placed an order and it was for {$26.00} and I paid it thru XXXX XXXX XXXX XXXX XXXX ( XXXX ) Then I seen a charge at about the same time for {$28.00} thru Citi Cards. I thought at first that is where I got the order that I placed at XXXX. So I called Citi Cards and disputed the overcharge of {$1.00} to make it {$26.00} and they did. Later I was checking my XXXX  account on line and it says that is the card I used and ( See attached ) I had wrote that on my receipt too. So I called Citi Cards on XXXX XXXX, XXXX  and disputed the rest of the {$26.00} amount. The lady I spoke with asked who lived in the house besides me and I said my wife XXXX and no others had the card. She noticed that was not the name, and I asked that was not the name of the person that made the purchase, and she said yes, NOT XXXX or XXXX. and I told her that was the XXXX card scammed in a row. She then tells me they will remove the {$26.00} within 2 days. The on XXXX XXXX I called back to Citi Cards and they had not removed the {$26.00} as they said they would and the guy says they didn't do it cause I or they had been disconnected, which is not true. So he says he will, and 7 days later on Citi Cards website, there is no dispute happening and nothing has been done so far, and the charge of {$26.00} is still there.
Consumer complaint received 2024-04-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: VW Credit, Inc (GA)

I am not liable for this debt with VW Credit Inc. I do not have a contract with VW Credit Inc.

They did not provide me with the original contract with VW Credit Inc. as I requested.

VW CREDIT INC Account Number : XXXX Please remove this inaccurate information from my credit report.
Consumer complaint received 2022-11-02
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 (MD)

I called Credit card company at least three times over last three months to resolve the duplicate billing. Here are the content of the letter that I send today ( XX/XX/XXXX ). 

This is a follow-up in writing to dispute a charge of {$2000.00} to the credit account on XX/XX/XXXX, Account XXXX. ending in XXXX. Please note, I had disputed the charge when I first got the bill in XX/XX/XXXX from Synchrony by calling and stating that the charge is in error. I further explained that the amount appears to be billed twice on two separate credit cards, one under my name and the other on a joint account ( ending in XXXX ). Please note that the {$2000.00} under my name Synchrony Home account number ending in XXXX was paid in full. In addition to reporting the duplicate billing, I closed the account on my name, closed and disputed the joint account amount. As a result, I got two letters in response. First letter dated XX/XX/XXXX, stating that my Synchrony Home account ( account no ending in XXXX ) has been closed and that I have XXXX balance. Second letter dated XX/XX/XXXX, stating that Synchrony bank is reviewing the disputed claim requesting 60 days to Synchrony to review the claim. 
As, of XX/XX/XXXX, I have not received any correspondence from Synchrony Bank on what was the outcome of the dispute. In addition, I received a bill dated XX/XX/XXXX that has charged a late fee of {$39.00} on the disputed amount of {$2000.00}. 
I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. Enclosed are copies of two letters from Synchrony Bank and the bill that I received on XX/XX/XXXX on the disputed amount. Now that over 90 days have passed by since the dispute was reported, I am looking for an expeditious resolution/response from Synchrony Bank XXXX
Consumer complaint received 2022-11-02
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SANTANDER HOLDINGS USA, INC. (AL)

I sign for a car for a family member in 2015 with Santander.. the car was sent back without my con sent.. Santander fail to reach out to me.. its on my credit report.. I contact them numerous of time for a year and half and was told that XXXX XXXX the person sign with me told them Santander to not contact me.. Santander told me three different occasions that they were sending me information via email and mail.. I have yet to receive it.. they have been ignoring for months now.. it need the car off my credit because they fail to communicate with me.. its hinder me from buying a house..I did everything right on my end..
Consumer complaint received 2022-11-02
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XX/XX/XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Re : XXXX XXXX Inquiry Privacy Violation and Defamation of Character To Whom it May Concern ; Peace and blessings on to whomever is reading, I am writing this letter in reference to the fallacious XXXX XXXX Inquiry discernibly furnished on my consumer report on XX/XX/XXXX. This fallacy came to my knowledge on XX/XX/XXXX and due to this fallacy and many others like it, I was discriminated against and refused for the following ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Increase In reference to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

At this moment, I am clearly and conspicuously notifying your organization of the fact that I have never consented to having any information being furnished on my credit report. Also, there is no law which states that I, as a consumer, is required to have anything reported to my credit report. In addition, due to the severity of the role that this organization plays in my livelihood, this fallacy has terribly affected me mentally, physically, emotionally, and spiritually. 

According to 15 USC 1681 ( a ) ( 4 ), There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Within the construction of this consumer report, there wasnt any regard for my right to privacy since I did not receive any adequate notice asking me for my consent to have this inquiry placed on my report. 

I beseech you to provide the evidence that this information was properly solicited as well as the details of your system used to determine if this inquiry actually transpired. 

In connection with 15 USC 1681 ( a ) ( 2 ), it is stated, An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 

Due to the deceptive furnishing tactics employed by your company, not only has my credit standing been damaged, but also my reputation as a consumer has suffered due to the inquiry placed on my account showing that I was not approved of the extension of credit. This has left me with societal, financial, and emotional damages which leaves your company liable to 15 USC 1681o. 

At this moment, I offer your company the right to rectify these infractions with the following actions
Consumer complaint received 2020-08-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: FORD MOTOR CREDIT CO. (AZ)

I was sent an email quote of {$18000.00} for a new XXXX XXXX by XXXX XXXX XXXX XXXX XXXX of XXXX, AZ on XX/XX/2020. When I talked to the salesperson by telephone a few minutes later, he said the financed price would be {$22000.00}. That price included taxes and fees but did not include a {$1500.00} discount that was in the original quote. I agreed to purchase the car at the quoted price of {$18000.00} and was unaware at the time that the {$1500.00} discount originally quoted was removed from the financed price. 

The car was brought to my home the next day, XX/XX/XXXX, along with the sales and financing contracts ( Deal # XXXX ). Due to coronavirus, I signed and became obligated on my front porch with both me and the salesperson wearing masks and gloves. 

After I signed the sales and financing contracts, the salesman took all copies of the contracts with him and left my house. I was not given a copy of the contract when I signed. After I both emailed and phoned the dealership, the contract was finally sent by postal mail 11 days after I signed. 

I contacted the company twice by email and once by telephone on or about XX/XX/2020, a few days after receiving copies of the contracts and raised my concern about the {$1500.00} discount that was deleted from the financing contract. They did not respond to my emails. The contract copies I was sent were not signed by the dealership. 

I filed a complaint with my state Attorney General. XXXX XXXX acknowledged in their responses to the complaint that 1 ) I was quoted {$18000.00} ; 2 ) the {$1500.00} discount was removed from the financed price ; 3 ) " copies of the contract were not left at the time the vehicle was delivered to the customer 's home because they had to be returned to the dealership and signed by the Finance Manager ''. 

XXXX XXXX later revised their explanation about not giving me copies of the contracts to " the customer never requested their copies upon signing and delivery at their residence ''.
Consumer complaint received 2022-11-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (NV)

XX/XX/2022 ZELLE XXXX XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX {$100.00} {$1200.00} XX/XX/2022 ZELLE XXXX XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX {$100.00} {$1300.00} XX/XX/2022 ZELLE XXXX XXXX XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX {$50.00} {$1400.00} XX/XX/2022 ZELLE XXXX XXXX XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX {$100.00} {$1400.00} XX/XX/2022 ZELLE XXXX XXXX XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX {$50.00} {$1500.00} NONE OF THESE WERE AUTHORIZED. I have no idea who these people are. Zelle evidently do not provide or offer any SECURITY OR AUTHORIZATION CHECKS to confirm that the account holder is making the payments or aware that they are being made. Zelle was submitted 4 complaints to go over the transactions that completed. 3 more were blocked by my credit union.

ZELLE is a PROBLEM and they need to be shut down or regulated or FINED so that they don't provide a service that involves finances without any security measures whatsoever. 

I would like to file charges.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

The complaints I submitted dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/2023 were closed immediately and were marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are not mine.
Consumer complaint received 2024-04-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (GA)

I have recently obtained a copy of my credit report and have noticed the following inaccurate accounts. These incorrect accounts are negatively affecting my credit and causing financial strain. 


Medical Data Systems Inc Under the Fair Debt Collection Practices Act ( 15 USC 1692 ) I am requesting validation of this debt. Please provide complete information on the original creditor, original account number, the date this account was opened, the date this account was opened, the date of the last payment, the amount of original debt, an itemized statement showing the amount of the original debt along with any additional fees or charges, and any form with a formal signature.
Consumer complaint received 2024-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (CA)

My name is XXXX XXXX. I recently opened a bank account with BMO Harris bank. The following day I deposited my check into my account. That next day my funds were available but I couldnt withdraw due to my account being frozen. I cant access my funds from a check that I deposited
Consumer complaint received 2022-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (MD)

I opened a card with Citi bank ( citi premier card ) on the promotion page which offered XXXX bonus points once I spend XXXX dollars in 3 months. I met those requirements and none of the terms and conditions disqualified me from the promotion. I called Citi bank on XXXX and a supervisor advised me that he saw that I opened it on the promotion page but was going to look into it and call me back within 2 hours. I did not receive a call back. On XXXX I called again and the supervisor I spoke to told me that the back office decides who gets the promotion even though the website shows that the promotion is not limited to a certain population. He could not give me any information or offer me any help.