davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

After successfully freezing my credit on XXXX  and XXXX, on XX/XX/2020 tried to create a MyEquifax account to get a credit report and freeze my credit. There was a computer problem when it came time to verify my account via email. I then had to call and in trying to complete the process was asked 4 questions supposedly from my credit report to verify my identity. None of the questions were relevant and the process was terminated. I called to find the next step and was directed to mail a letter of request and some ID to complete verification which I did on XX/XX/XXXX. XX/XX/XXXX I tried again to freeze my credit by phone and was again prompted to answer 4 questions. Again NONE of the questions were relevant and the process was terminated. I talked to an agent and they claimed that they did not receive my mail though it was sent to Equifax Attn : Security freeze dept XXXX XXXX XXXX XXXX GA XXXX They said I would have to send the information again. I asked what happened to the PERSONAL INFORMATION that was already mailed to them. They had assured me that when I sent it, it would be destroyed after verification. Now it has been lost, stolen, whatever and they have no responsibility in this process. Unacceptable
Consumer complaint received 2021-07-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 35 days. I feel as though I'm being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 30 days is a reason to remove those things off my credit report immediately. It has been over 35 days, and they should be erased immediately. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OK)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2020-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

I have 2 Hard Inquiries from the same Entity XXXX XXXX for XXXX XXXX XXXX XXXX for the Dates XX/XX/XXXX and XX/XX/XXXX ... 

The Hard Inquiry for XXXX XXXX was not Authorized. 

I already had a Car Installment Loan by the same Company for the Previous Year.
Consumer complaint received 2023-01-05
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. (GA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-08-12
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: SYNCHRONY FINANCIAL (NC)

I received a letter dated XX/XX/XXXX from Synchrony Bank ( XXXX XXXX XXXX, XXXX FL XXXX ) stating that an application for a SYNCB American Signature Furniture account had been submitted and declined due to " unverifiable application information ''. 

I reviewed my credit report at the time and didn't find any impact. 

I reviewed my credit report again in XX/XX/XXXX, and found a hard inquiry into my XXXX  credit report dated XX/XX/XXXX from Synchrony Bank even though there is a fraud alert on all credit bureau reports as of XX/XX/XXXX. 

I attempted to dispute the inquiry with Synchrony Bank in XX/XX/XXXX, and was informed that because the application was more than 30 days aged, I am unable to initiate a fraud complaint. Instead I was told by the fraud department to reach out to the individual credit bureaus, who would be able to reach out to Synchrony Bank to investigate the matter. 

Instead of Synchrony Bank working with a consumer who is a victim of identity theft, they are essentially washing their hands of my concern, and requiring that I take even more of my time to contact each credit bureau individually for something that Synchrony will have to investigate themselves.
Consumer complaint received 2021-07-07
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. (NC)

DURING A DATA BREACH MY PERSONAL INFORMATION WAS FRUADULENTLY ATTAINED AND USED TO GET MEDICAL SERVICE AND ALSO TRY TO APPLY FOR SERVICES THAT RESULTED IN INQUIRES
Consumer complaint received 2021-07-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

Although I had a free college account, Citibank forced switched my account while I was still attending college to an account which had multiple hidden requirements ( minimum balance, etc ). They acted predatorily amidst a global pandemic. I had the account open for stimulus money ( with a very low balance, which eventually turned into an over - {$100.00} balance due to minimum balance fees, and excessive charges, that were not authorized or recognized until much later. There were multiple moments when I could not even sign into the application they were forcing me to use. I was in XXXX XXXX school. To make matters worse bank locations in XXXX area closed, limits were placed on depositing/withdrawing cash, and customer service essentially was nonexistent as it was esseintially converted to automated bots and an app that was not only not secure but quasi functional. 

After several attempts and greater than 100 hours to settle with the bank to come to an understanding they went ahead and closed my account in spring of 2021 just weeks before the second stimulus was sent. This damaged my credit and is shown on my report. The bank took clear advantage of me during the crisis. I am seeking for this account to be reopened and that my credit report be corrected to reflect these atrocities. This is a clear example of predatory banking practices and should be rectified as I was a very vulnerable person ( XXXX XXXX XXXX XXXX XXXX XXXX ). If it helps, I was considered to live in an area which was declared a state of emergency. XXXX California in XXXX.
Consumer complaint received 2021-07-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (MD)

I have spoke to multiple branch manager of the years at Suntrust. I was never late on my mortgage. they reported I was late when they failed to electronically withdraw the payment from my online savings account. Please have them provide statements to show the monies were in the account to pay the mortgage,.
Consumer complaint received 2024-02-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

When I called in my XXXX payment I gave the receptionist my bank acct #. I was assigned a new acct in XXXX because all my accts were breached by unknown. I had to be assigned new accts.i called in my payment as usual to the receptionist, wrote down her name and verification info for the payment. I also paid my other 2 accts with PayPal. Then I got a notice my payment was not valid. We went over the numbers to verify and apparently she had put the old acct #. They sent me one of their checks with my name and the amount of {$150.00} I had paid and ask me to deposit it, which I did, with no problem. I paid all my bills the amount in installments due with my new acct and there was no problem. 
I also paid my bill that was due in XXXX no problem, the checks went through, to PayPal credit, regular PayPal my bill & Amazon Acct which belong to Synchromy. Now I got a letter that on XX/XX/13 that my acct is closed because the number of dishonest checks received I have no dishonored checks from them or otherwise. 
I just want to clear my name., no problem giving up the cards. 
Thank you XXXX XXXX XXXX
Consumer complaint received 2020-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Atlanticus Services Corporation (CA)

Aspire sent me a pre-approval promotion. I entered in the promotion code to see my offer, but after seeing the terms, I decided not to accept it. 

Aspire made an unauthorized hard inquiry on my credit report without my consent during the process. It did not make it clear that one would be made upon entering in the promotional code. I sent a letter asking for it to be removed, but they refused. 

I have attached a screenshot of the terms which I did not accept and thus, turned down the offer. Never during the process did Aspire make it clear a hard inquiry was going to be made if I entered in the promotional code.
Consumer complaint received 2020-09-28
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. (CA)

I AM REPORTING INQUIRIES reporting to my file is a result of identity theft. I recently discovered through my new monitoring service these inquiries being reported I made efforts to remove these account from my file as they do not belong to me. These inquiries are fraud through these companies with the recorded dates above an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2022-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a letter to Transunion on XX/XX/2022. It has been well over 30 days, I still have not received anything back. 

According to 15 USC 1681 ( a ) ( 1 ) ( A ) Transunion have 30 days to respond. 

This is a violation of my rights : 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( f ) Reinvestigation requirement applicable to resellers ( 1 ) Exemption from general reinvestigation requirement Except as provided in paragraph ( 2 ), a reseller shall be exempt from the requirements of this section.

( 2 ) Action required upon receiving notice of a dispute If a reseller receives a notice from a consumer of a dispute concerning the completeness or accuracy of any item of information contained in a consumer report on such consumer produced by the reseller, the reseller shall, within 5 business days of receiving the notice, and free of charge ( A ) determine whether the item of information is incomplete or inaccurate as a result of an act or omission of the reseller; and ( B ) if ( i ) the reseller determines that the item of information is incomplete or inaccurate as a result of an act or omission of the reseller, not later than 20 days after receiving the notice, correct the information in the consumer report or delete it; or ( ii ) if the reseller determines that the item of information is not incomplete or inaccurate as a result of an act or omission of the reseller, convey the notice of the dispute, together with all relevant information provided by the consumer, to each consumer reporting agency that provided the reseller with the information that is the subject of the dispute, using an address or a notification mechanism specified by the consumer reporting agency for such notices. 
( 3 ) Responsibility of consumer reporting agency to notify consumer through reseller Upon the completion of a reinvestigation under this section of a dispute concerning the completeness or accuracy of any information in the file of a consumer by a consumer reporting agency that received notice of the dispute from a reseller under paragraph ( 2 ) ( A ) the notice by the consumer reporting agency under paragraph ( 6 ), ( 7 ), or ( 8 ) of subsection ( a ) shall be provided to the reseller in lieu of the consumer ; and ( B ) the reseller shall immediately reconvey such notice to the consumer, including any notice of a deletion by telephone in the manner required under paragraph ( 8 ) ( A ).

( 4 ) Reseller reinvestigations No provision of this subsection shall be construed as prohibiting a reseller from conducting a reinvestigation of a consumer dispute directly.
Consumer complaint received 2020-09-28
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)

I AM REPORTING INQUIRIES reporting to my file is a result of identity theft. I recently discovered through my new monitoring service these inquiries being reported I made efforts to remove these account from my file as they do not belong to me. These inquiries are fraud through these companies with the recorded dates above an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2020-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have negotiated the two accounts I have with XXXX XXXX that is showing on my credit report. Both accounts have been negotiated and settled. I no longer owe these two accounts.
Consumer complaint received 2020-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American First Finance, Inc. (KY)

The company is American first Finance. The last time I was on my account it was like XXXX. 
I paid it around XX/XX/XXXX. 
Now I got on my credit report that I never paid and they say I owe like XXXX. 
So, they added more and did not update my payment made. 
I attempted to contact them and they hung up the phone. 
I never received an email or bill and I thought it was good. 
My account online showed different amounts and now their interface and online account is different. 
It does not show past payments and I have no proof they took and it's not visible. 
My other account with them is not present on there either. 
It was paid off and still the account showed up before. 
Now it is not even there, like it never existed. 
Shady practices ...
Consumer complaint received 2019-04-26
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: EQUIFAX, INC. (GA)

I sent letters several months ago to Equifax, XXXX and XXXX   about inquiries I never ever sign for that's on my credit report. There has not been no response. I was told by an attorney the credit bureaus is not out to help you they are there to make money and make sure your score stays low. I am not sure how true that statement is but I have not received a response and the inquiries are still on my report. 

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XXXX, XXXX 3. XXXX XXXX XXXX, XXXX 4. XXXX XXXX XXXX XXXX, XXXX 5. XXXX XXXX XXXX XXXX, XXXX 6. XXXX XXXX XXXX XXXX, XXXX 7. XXXX  XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX 8. XXXXXXXX XXXX XX/XX/XXXX 9. XXXX XXXX XXXX XXXX, XXXX 10. XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2023-01-04
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. (IL)

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was notified by the credit bureaus that several medical bills were added to my credit file. I did not give written consent for this. My XXXX rights have been violated as I know that I was being seen for mental health issues due to XXXX pandemic, I had insurance and now I am being violated and my personal health information isn't secure. I have already tried to advise the burueas of being a previous victim of identify theft and this needed to be resolved as I have been made aware this is legally my right. The following laws have been violated Privacy Act of 1974, as amended, 5 U.S.C. 552a, 1681. Congressional findings and statement of purpose, The Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692. 
The Hospital facility that violated my rights are and the agencies they sold my XXXX to are : 1. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nv XXXX XXXX ) XXXX. ) There are six ( 6 ) different accounts all with the same name and collection agency but all different dates and amounts on all three ( XXXX ) credit bureaus. This is higly alarming and completely inaccurate in additional to a huge violation of my XXXX rights. XXXX XXXX XXXX and the agency they sold it to is XXXX PXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX ) XXXX. ) XXXX XXXX and the agency they sold it to is XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ).
Consumer complaint received 2020-09-28
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: PENNYMAC LOAN SERVICES, LLC. (CO)

My VA home mortgage with PennyMac was placed in forbearance under Covid-19 relief back in XXXX. The forbearance was for 3 months, so I began paying the mortgage at the beginning of XXXX. At that point, PennyMac had informed me of a loan modification, which would require 3 months of trial mortgage payments. After making two of the 3 trial payments, I started looking to refinance another mortgage. However, on XX/XX/XXXX, my credit monitoring highlighted that PennyMac reported my account in default even though I was paying according to the trial. This has caused me to be unable to move forward with refinancing my existing mortgage to a lower rate. The undue stress caused by this process has yet to be resolved, as the credit reporting agencies still show my PennyMac account as being overdue/late and hence the impact to my credit score is significantly negative. 
I need this issue resolved quickly, as rates may go up by as much as .5 pt in the next week or so.
Consumer complaint received 2020-09-28
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Malcolm S. Gerald and Associates, Inc. (IL)

XX/XX/2020 I received a letter from Malcolm S Gerald and associates based out of XXXX but they have an office in XXXX, IL. I called them spoke to the supervisor explained to him that due to COVID I was laid off and wasnt able to pay. The hospital I was in said I wouldnt have to pay for anything since they did help people who made less than a certain amount. Never heard from them until XX/XX/2020 received a text that I NEVER opted in for called back the guy was so rude spoke to me in a very unprofessional way made a comment about me being hospitalized and I hung up I dont owe them anything when the hospital said I didnt I want them to stop bothering me and no one should be going through this harassment from a so called collections company. Were in the middle of a pandemic people are laid off.
Consumer complaint received 2020-09-28
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: HW Holding, Inc (MD)

I have sent repeated request to XXXX  to remove several inquires that was not authorize, they continued to keep denying my request to remove them under the Fair credit act. 

i submitted those same request to XXXX  and XXXX  and was successful. 

I am looking to purchase a home and can not due to these inquires.

In addition to send them 2 certified letters, i also disputed on line and was very taken back by their denial within 24 hours without investigating
Consumer complaint received 2020-09-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TN)

PayPal is trying to stick me with a bogus chargeback. I have provided them with more than sufficient documentation to stop the chargeback from the credit card issuer of the purchaser, to include an email from the purchaser saying " I know there are no refunds '' and evidence that the purchaser acknowledged terms and conditions of the purchase, not once, but THREE times. 

PayPal has clearly not tried to fight the chargeback themselves and would rather push it off on me. 

Unacceptable!!!!!