davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-12
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: SYNCHRONY FINANCIAL (DC)

XXXX claimed in CFPB case # XXXX that " In accordance with the Fair Credit Reporting Act, entities who have certified to XXXX that they have a permissible purpose may inquire about credit information. '' SYNCB/XXXX XXXX XXXX  did not have a permissible purpose to inquire about credit information. According to federal law, XXXX must be able to verify that SYNCBXXXX XXXX XXXX  had a permissible purpose and, if none exists, must remove the hard inquiry from the report within 30 days. The consumer has verified from their end that there was no permissible purpose. Via phone, SYNCB/XXXX  & XXXX claims that someone applied for credit using XXXX 's credit report, which would be illegal without XXXX 's XXXX consent ; SYNCB/XXXX XXXX  XXXX already acknowledged this but has not taken action to fix this. XXXX 's reply to CFPB case # XXXX also states, " Please contact your local Attorney Generals office for further information regarding your specific state laws. '' The consumer should not have to go to their local Attorney General 's office before XXXX provides a non-templated/canned reply, as they did in CFPB case # XXXX, to the consumer complaint. 

SYNCBXXXX XXXX XXXX shows up as a hard inquiry on my XXXX credit report. SYNCBXXXX & XXXX had no lawful reason to perform a hard inquiry on my credit report nor did XXXX diligently prevent unauthorized or unlawful access to my credit report. SYNCB/XXXX  & XXXX Additional details Business type Bank Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2023-06-10
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. (MN)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$990.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3000.00} ; ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/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 card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

I contacted this Credit Company as I never received an actual card for the account since I had had it. I charged a little on the account over the holidays, and I hadn't received any bills or a card, except one random statement that said I had missed a payment. I called them and told them I didn't have a card and spoke to agent and wanted to make a payment. I asked if I was charged any late fees, she said no I had not received a card, how could I be late on the account? I told her I wanted to pay it, she wouldn't take payment until I had received the card and a statement. I confirmed multiple times with the agent that I wouldn't get a late fee and wouldn't receive any interest, she said without ever getting a card, how could I be late? 

I logged on to my account once I finally got the card -- and sure enough I was charged a late fee and interest.
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 fil ing a legal complaint against you!
Consumer complaint received 2023-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: CBC Companies, Inc. (AE)

Innovis blocks any access to their site from outside the USA, which is understandable given that credit reporting is a USA thing. But, they make it a hurdle for people who are working overseas, such as myself working for the Department of Defense overseas, or people deployed in a military status to monitor their credit or pull credit reports. No one should have to purchase an external VPN to have to access their credit report. XXXX nor XXXX have such a block.
Consumer complaint received 2023-01-14
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. (GA)

I've contacted Equifax reps about 2 weeks ago regarding a more than 80 point drop in my score I noticed in the middle of XX/XX/XXXX. I had the My Equifax free product and I've painstakingly looked at the details of the available reports for XXXX, XXXX, and XXXX and they are virtually the same. And XXXX is not available for some reason ( see the attachment labeled Equifax Summary ). I upgraded to the XXXX XXXX on XX/XX/XXXX in an attempt to see when my score changed and indeed it's between XXXX and XXXX. Questions : if the reports are virtually the same between XXXX and XXXX, why would XXXX be different? And why did my score drop by over 80 points? Also, why is XXXX not available? See attachment labeled Equifax XXXX. After the rep continually talked about scoring and the obvious reasons it could change, I asked to speak to a manager. The manager said they would look into it and Id get something in the mailnothing as of XX/XX/XXXX. 
I sent an email on XX/XX/XXXX to CEO XXXX XXXX, XXXX XXXX XXXX and XXXX & XXXX XXXX XXXX explaining all of this. I included 4 of the attached documents detailing my Equifax information for the months XXXX, XXXX and XXXX. XXXX showed up when I upgraded and is attached with this communication, but is the same information albeit some new very small balances relating to XXXX. And I see that XXXX XXXX closed their account due to non-use. I got an email response from customer care that afternoon basically stating that there are several different scoring models and ways to dispute the info. None of the ways to dispute include a missing report or a huge score drop for no reason. Basically, I was blown off. 

Also, in the summary it shows XXXX 's score from Equifaxs point of view as XXXX ( Equifaxs upgraded plan gives scores from all bureaus ). I called and the rep told me that XXXX 's score is also calculated by Equifax from XXXX data... really? Because XXXX has me at XXXX. Again, see the attachment labeled Equifax Summary. I know there are differences in how scores are calculated but its usually in the same rangenot an almost 100-point difference between Equifax and XXXX. 
And an over 80-point drop in 1 month with Equifax for no apparent reason and a missing month that correlates with the drop needs to be corrected. Please help.
Consumer complaint received 2023-01-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Regional Management Corporation (NV)

on XXXX i ask can they please send me original contract with my signature to verify debt instead they are making up paperwork to send me to validate debt also i am a victim of XXXX data breach They are in violation of 15 USC 1681 section 602A which states I have the right to privacy!! also in violation 15 U.S. Code 1681 i7 show steps how proof was obtain They are also in violation 15 USC 1681 section 604A section 2 also states that a consumer reporting agency can not furnish an account without any written authorization!!

15 U.S. Code 1611- Criminal liability for willful and knowing violation
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. (CA)

I have reported this issue to the credit bureaus by sending certified letters to each credit bureau. My attorney has sent documents and second notices to the credit bureaus and no response from either credit bureau. It has been longer than 60 days no response. my attorney has been working to resolve this issue but has been unsuccessful. The credit bureaus falsely updating information without investigating
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: EQUIFAX, INC. (FL)

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

Account name : XXXX XXXX XXXX : # XXXX, Account name : XXXX XXXX  : # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : 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 a 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 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 (AL)

I have bought gold jewelry from XXXX XXXX XXXX XXXX and I paid with my XXXX XXXX XXXX card which is provided by Synchrony Bank on XX/XX/2022. I paid XXXX dollars for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but what I received from XXXXXXXX XXXX XXXX was a gold plated XXXX gold bracelet that is also XXXX inch in length instead of XXXX inch and XXXX mm thickness instead of XXXX mm so the item I received was NOT as described on the seller XXXX website and it is NOT XXXX solid gold but only XXXX plated gold so XXXX XXXX jewelry sold me an item that is NOT what I paid for and not as I ordered and has a lot less gold in it and different length and thickness. I contacted XXXX XXXX XXXX to return the item and get a full refund but they never responded to my issue and never resolved the issue. I disputed the charge with synchrony bank but synchrony bank has not credited my account and has done nothing to resolve the dispute. I was scammed by las villas jewelry for XXXX dollars and synchrony bank should give me a permanent credit for the amount of XXXX dollars but they never did. I was sold an item that is NOT what I ordered but is XXXX gold instead of XXXX gold and different length and thickness. I want a full and permanent refund to my XXXX XXXX Master card for XXXX dollars .and synchrony bank is not resolving this dispute to my favor and has done nothing and never refunded me. The charge is from XX/XX/2022 for XXXX dollars from XXXX XXXX XXXX
Consumer complaint received 2015-06-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Valentine and Kebartas, Inc. (AE)

This is the XXXX communication from V & K regarding an alleged debt from XXXX due to disconnection fees. XXXX admits the debt is not valid because I disconnected my lines incident to a XXXX of station and invoked the SCRA.
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: EQUIFAX, INC. (AZ)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX 2. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XXXX Please remove it from my credit report.
Consumer complaint received 2023-01-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CO)

Targeting and Discrimination : XXXX XXXX XXXX XXXX XXXX XXXXXXXX I know you don't regulate the banks, but UDAAP and The Fair Housing Act ( FHAct ), which is title VIII of the Civil Rights Act of 1968, as amended ( 42 USC 3601 et seq . ), makes it unlawful for any lender to discriminate in its housing-related lending activities against any person because of race, color, religion, national origin, sex, handicap, or familial status.

Anyone who is in the business of providing housing-related loans is subject to the FHAct ( as well as the Equal Credit Opportunity Act ) has been violated. Please speak with the FTC.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a letter on XX/XX/2022 to remove these items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than XXXX business days. Ive already included this in my previous complaint # & I am including it again., XXXX XXXXXXXX .... Balance : XXXX XXXX XXXXXXXX XXXX XXXX .... Balance : XXXX  ; XXXXXXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance 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 .... Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Balance : XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : XXXX
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: EQUIFAX, INC. (IL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus on XX/XX/, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If they do not authenticate these accounts, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 


XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXXXXXX Balance : {$77.00} XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus on XX/XX/22, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If they do not authenticate these accounts, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 


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 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WV)

The reports from all three ( 3 ) agencies have multiple wrong addresses listed for the Students for XXXX XXXX XXXX. I called Experian and I've emailed a copy of the attempted changes to XXXX and the wrong addresses are still listed.
Consumer complaint received 2022-10-13
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)

On XX/XX/2022. I checked my credit report and I noticed there were several created accounts on my credit report. There were four created accounts created on the same day which I did not apply for and there was one that was created a day before the four. I did not apply for any bank or credit cards. I have attached a identy theft affidavit with a list of all the fraudulent accounts. Remove them immediately
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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

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 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: Student loan — Private student loan
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hi, I am a XXXX XXXX  who was a victim of fraud. Years ago I received an email from a lawyer company stating I was a victim of student debt collection fraud. Years have gone by, I never heard from the company but what I attempted to do was call Bank of America at the time about the automatic payments I was paying over the year ( s ) to pay off my college loans. They said I needed to get in touch with Rams payment services. At that point it was too late. The company had changed all their information, I was locked out of my ramserving.com account and Bank of America refused to investigate. It had been maybe 2-3 years, post automatic payments of $ XXXX. To be exact XXXX. The website of the company that emailed about the student debt collection fraud was : XXXX XXXX XXXXXXXX They were horrible at keeping up with those we were scammed. As of today, I never heard back from them. 

To my surprise, today I found out Bank of America was forced by CFPB to pay out those who were scammed for student debt to that same exact company! My heart sank when I read the article because, I struggled to pay those student loans. I worked over time, and I was a XXXX XXXX. I literally left my kid with a sitter so I could pay off my loans. Here is the article : XXXX XXXX XXXX I have all the proof in my email. I never deleted just in case one day I would have an opportunity to get my money back. Can you please assist me in getting my hardworking money back? The deductions are on my bank statements, and I have the emails to prove I was paying.