davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-01
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2021-10-11
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (FL)

I made XXXX purchases on XX/XX/21 at Lowe 's store while in Ohio from Florida. I went online to pay bills on XX/XX/21 and to my disbelief I was shown 4 days late on my payment. I called Lowe 's ( Synchrony Bank ) and talked with a rep who said their billing cycle is on the 7th of the month and therefore I was late. However, after discussion, the rep told me she would deduct the late payment and finally told me they would not report the payment as late to the credit bureaus. Even with that, I thought I should have 30 days from the date of purchase before a payment is due. According to their standards, if I make a XXXX purchase on the XXXX a payment becomes due the following day. 
I have many credit cards and several through Synchrony and have never been late on any payment in over 15 years.
Consumer complaint received 2021-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Pursuant to 15 U.S. Code 1681 ( b ) ( a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( a ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Transunion, a consumer reporting agency, has not received my written instructions to furnish any of the following inquiries on my consumer report to any of the creditors listed below however, inquiries from these creditors exist on my consumer report : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-10-10
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. (AR)

I have issues with the way this is being reported as it is damaged my credit. The car was repo XXXX  and experian say its derogatory XXXX says open. This is an inaccuracy and is en to remove this account from my credit. 
The dates of last activity are inconsistent with each other this is also enough to remove from my credit. XXXX is reporting past due 120 days the other 2 are reporting repo. This is enough to remove or delete from credit.balance on Experian and XXXX are the same while transunion is no showing XXXX. XXXX and XXXX are reporting as auto loan and XXXX is not reporting at all. XXXX has not reported any months of payments late or not and is not consistent with the others With all this said this needs to be removed
Consumer complaint received 2021-01-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX, I sent Experian a Certified Mail article tracked by the United States Postal Service ( USPS ) tracking system a letter RE : UNAUTHORIZED INQUIRY from XXXX XXXX, XXXX  XXXX XXXX, and XXXX XXXX. I reviewed a copy of my credit report XXXX XXXX made an unauthorized credit inquiry on me on XX/XX/XXXX. XXXX XXXX XXXX made an unauthorized credit inquiry on me on XX/XX/XXXX, and XXXX XXXX made an unauthorized credit inquiry on me on XX/XX/XXXX. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I asked Experian to Please contact I reviewed a copy of my credit report XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX and investigate such an occurrence. Today XX/XX/XXXX, Experian sent an email asking me to call an 800 number about my credit dispute. I called and was informed by Experian rep, that they do not dispute unauthorized credit inquiries. I was told I had to contact the creditors on my own and asked them to remove the unauthorized credit inquiry from my credit report. Im sure this is an FCRA violation, FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY ( 5 ) Treatment of inaccurate or unverifiable information. ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation. I understand that you handle consumer reporting complaints about report accuracy and completeness errors, and other consumer reporting topics, such as, if you are dissatisfied with a companys investigation of an earlier dispute if you believe your consumer report was used improperly.
Consumer complaint received 2021-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

I have been trying to log into my account after I paid the full one time annually price for XXXX  credit reports I entered all of my information and after calling for help I got an automated response that did not help at all. After calling 3 times and being hung up on my account was frozen and I am unable to log in. The phone line was closed when I get again had to call to resolve this issue.
Consumer complaint received 2022-11-01
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. (AL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVI XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVI 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 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  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-10-10
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: HOMESTAR FINANCIAL CORPORATION (GA)

I was preapproved for a USDA loan XXXX 2021. Went under contract for a home XX/XX/2021. Was made to switch agents bc the builder required you use his agent of choice. So switched to XXXX XXXX with Homestar financial. We spoke and he said USDA was a go. I spent over XXXX dollars on upgrades for the home thinking i would be okay with closing costs, etc based on USDA loan. Three days prior to closing i was told i would not qualify for usda and that i would have to go FHA requiring an additional XXXX dollars at closing which was now pushed back to XX/XX/XXXX. I tried to explain to them that my income varies and that they were not calculating it correctly but they would not listem. The change also increased my mortgage payment making it higher than i wanted. I had already invested in upgrades that were non refundable so could not walk away. On XX/XX/XXXX about 30 minutes prior to closing was told i had to have an additional XXXX dollars in order to close. I essentially emptied my savings leaving me nothing left. DUe to the fact i had to use him i could not utilize several XXXX or first XXXX XXXX available to save money. Not to mention the last minute changes left me no time to even be able to try and figure out other options. When i got to closing on XXXX they crossed out some areas and hand wrote on the disclosure which was very confusing. Instead of first payment being due XXXX like it shouldve been it was pushed up to XXXX leaving me 3 weeks before my first payment was due ( which is late ). They also required a years worth of escrow in my escrow account which i have been told is not the standard amt. I am broke, and risk losing this home bc im late with my payments. The whole process was a nightmare and now i am in a position where i dont know what to do. It is not right.
Consumer complaint received 2021-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XX/XX/2021 Received probably my XXXX  or XXXX  prescreened XXXX XXXX offer from Capital one with my last name misspelled. My name and info is registered to opt out of prescreened offers and this is the only company that keeps sending me XXXX XXXX applications.
Consumer complaint received 2021-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2021 I deposited a check for {$7000.00} from my corporate account to my personal account at Bank of America at the ATM machine and it registered as {$70.00}. I immediately checked online to my account and it also showed only {$70.00} was deposited so I called the bank and they said it shows {$7000.00} was deposited but there is a hold on the check until XX/XX/XXXX. I have been with the bank for over 40 years and deposit this large of a check monthly. The person I spoke to said she would file a report about the ATM machine but the correct amount was showing on their end which was a lie. The next day I checked online and it showed a new deposit of {$6900.00} to correct the {$70.00} deposit that the B/A employee lied to me about.the day before and the hold was still on the check even though they had the funds and the check had cleared my bank. Today, XX/XX/2021 I called back to Bank of America after I confirmed the check had cleared my bank and spoke to XXXX in their call center about the hold on my check. She said she can refund two of the four {$35.00} fees for overdraft but I would need to call my corporate bank as they may have held the funds. I told her no Bank of America knows the funds are good. I then called my corporate bank and they confirmed the funds and check as always are good and cleared. When I called back to Bank of America I spoke to XXXX who transferred me to XXXX, her manager who said they will not refund the other XXXX {$35.00} fees as they have a right to hold any paper check and as a customer I have agreed to those terms. I then asked to speak to his manager XXXX who was just as rude as XXXX and he said no " it is my loss and I must pay the other two {$35.00} fees '' and " they did me a favor by crediting XXXX of the four. '' I want my {$70.00} fees removed and credited back to my account. Bank of America not only lied to me about the ATM mistake but held funds from a check that they know is more than good. They would not even call my corporate bank operation manager to verify how much money I keep in that account or that the account had more than enough to cover a check I deposit each month into their Bank of America account. Bank of America has my history for 40 years and to charge me fees when they put a hold on my account and check is criminal.
Consumer complaint received 2020-07-10
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. (TN)

I sent a Second Letter to Experian via USPS Express Mail which they Received on XX/XX/2020 after Receiving the Initial 30 Day Dispute Results.. 

Experian File Number XXXX It was a Method of Verification Letter under F.C.R.A Section 611 ( a ) ( 7 ) which requires them to provide me with the Description of all the Methods of Investigation..complete list of Correspondence and Original Documentation ... Name of Employee ( s ) who did the Investigation and how they came up with their Conclusions..

They were also supposed to give me their Response in 15 Days according to my F.C.R.A Section 611 Consumer Rights ...

Experian has Failed to Fulfill their Obligation on this Matter ...
Consumer complaint received 2020-07-09
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. (TX)

These inquiries below I didn't authorize. 

Inquiry details XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX  Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Auto Financing XXXX XXXX Inquiry from XXXX XXXX, XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto FinancingXX/XX/XXXX XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX XX/XX/XXXXXXXX Inquiry from XX/XX/XXXX Auto Financing
Consumer complaint received 2024-04-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

I sent a payment to a buyer for a product on XXXX XXXX. I never received the product and I couldn't contact the seller. Cash App won't share any information with me eventhough they have access to the sellers information.
Consumer complaint received 2021-10-10
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (PA)

On XX/XX/21 We turned in our old leased vehicle XXXX XXXX in XXXX PA. 
We decided to take out a new lease on a new vehicle that day at this dealership. 
When we went in to sign the loan papers we stated that they had the names in the wrong place. My husband was to be the Lessee & I the Co-lessee. They said no this was the correct way. I as the Lessee & he as the co-lessee. So everything went through. We left with the new vehicle. 1 week later I received a call from GM Finance They stated that they still had us listed on the old vehicle and that the payment was due for that car. I told them we turned it in. They said I had to call the dealer and tell them to do a close end on the old vehicle. That they had no record of a new lease. So I did just that. I talked to an appraiser there who said he would get the sales mgr. involved. I talked to the sales mgr who said he would take care of it and call me mon. 
with my new account number. No call. To make a long story short I have been on the phone with GM Financial XXXX & XXXX for 3 weeks trying to get this solved. The only thing that happened was we got NEW loan papers that had been corrected with names and totals to sign. This involved GM Financial running a new credit report on XX/XX/21 for the new loan papers. that XXXX submitted to them. This affected our credit score. Also we are in the process of refinancing our house. Now the loan Co. wants to know why we took on new debt as of XX/XX/21. We didn't, it was before we refinanced. I am at my wits end. Gm still has the old vehicle listed even though we turned it in a month ago. Every time I talk to someone either at the Dealer or Gm they say they will take care of it. So here we are still a month later.and still not resolved.
Consumer complaint received 2020-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (MO)

I am trying to link my checking account to a system I use for billing clients for financial plans. PNC apparently made a change not allowing my to link my account to pay for the service. This is adversely affecting my business for no apparent reason other than PNC not wanting a third party to have access to my account without using their system.
Consumer complaint received 2023-03-07
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)

Company- XXXX XXXXXXXX XXXX payments XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX & XXXX 15 U.S. Code & 1681a- Definition ; rules of construction ] U.S. Code ] US Law ] LII / Legal Information Institute 15 U.S Code & 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 } Prohibition ( A ) Reporting information with actualknowledge of errors 15 USC & 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report ' does not include- ( A ) subject to section 1681-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2021-10-11
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (TX)

Statement ending XX/XX/XXXX shows my promo balances. The one I am addressing is the no interest if PIF by XX/XX/XXXX. I called in XXXX and made a payment with an agent. She told me with the other purchase on there, I had to pay the MINIMUM MONTHLY DUE and then ANY thing OVER the minimum I could request but applied to the promo that expires in XXXX. So XX/XX/XXXX I had made the minimum {$250.00} payment. I called in and made a {$200.00} pmt XXXX ( same statement period, no pmt was due ) and was told it would come off of my promo balance with the expiration which it did leaving {$250.00} to pay on that promo. On XX/XX/XXXX I made the standard minimum due per statement of {$250.00}. On XX/XX/XXXX i called in to pay off the pro balance of {$220.00} and paid that ( totaling {$480.00} in payments in 24 hours ) I was assured this would clear out that balance on the promo leaving only the big balance left. However it was not. This was {$940.00} in payments over XXXX cycles. After the XXXX minimums of {$250.00} were applied the {$420.00} was to be applied and PAY OFF the promo balance expiring in XX/XX/XXXX. So please tell me why this wasnt done. I did EXACTLY as your company told me and it had been correctly applied the month before. I need this fixed immediately reflecting the promo balance with no interest if paid being PIF. Ive contacted them no less than 4x.
Consumer complaint received 2021-10-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of America Ltd. (NY)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2021-10-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.