davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

on XX/XX/ 2022 I did an annual review of my credit profile, upon reviewing current credit status there are several inaccurate items and inquires reporting. Per the FRCA policy Transunion is currently in violation of several of my consumer rights per 15 usc 1681b Permissible purposes : ANY consumer reporting agency may furnish a consumer report under the following circumstances and no other : In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. In accordance with the written instructions of the CONSUMER to whom it relates ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 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.
Consumer complaint received 2022-02-28
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. (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2022-02-28
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. (GA)

Experian is reporting inaccurate and false information. I have requested for them to remove these accounts because by law they must remove it if it is inaccurate. They all have wrong address, phone number, and incomplete name. I have never applied for these false accounts. I will list the false accounts " XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX is reporting inaccurate and false information. I have requested for them to remove these accounts because by law they must remove it if it is inaccurate. They all have wrong address, phone number, and incomplete name. I have never applied for these false accounts. I will list the false accounts " XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX is reporting inaccurate and false information. I have requested for them to remove these accounts because by law they must remove it if it is inaccurate. They all have wrong address, phone number, and incomplete name. I have never applied for these false accounts. I will list the false accounts " XXXX
Consumer complaint received 2020-08-04
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. (FL)

AFTER REVIEWING MY CREDIT REPORT. I DISCOVERED SOME ENTRIES THAT WERE IDENTIFIED AS INQUIRIES WHICH ARE DUE FOR REMOVAL OFF MY CREDIT FILE.
Consumer complaint received 2022-02-28
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report

. I listed the account s and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2020-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

AFTER REVIEWING MY CREDIT REPORT. I DISCOVERED SOME ENTRIES THAT WERE IDENTIFIED AS INQUIRIES WHICH ARE DUE FOR REMOVAL OFF MY CREDIT FILE.
Consumer complaint received 2020-08-04
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. (PA)

I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft. I ask that the  item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-02-28
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: Experian Information Solutions Inc. (PA)

I, XXXX XXXX XXXX am the victim of identity fraud company name XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  have fraudulent accounts on my credit profile that needs to be moved immediately.
Consumer complaint received 2020-08-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (PA)

Thank you for taking the time to review my concerns. While reviewing my credit report from all major bureaus. Enhance Recovery recovering an unfamiliar debt from XXXX XXXX XXXX XXXX has a collection debt of XXXX. According to FCRA requesting documents to support collection and not a phone bill
Consumer complaint received 2023-06-25
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: AMERICAN EXPRESS COMPANY (OH)

I have an American Express credit card ending with XXXX. I received a {$50.00} for a promotional offer completed more than 10 months ago. But this week, they charge the credit back saying the offer was not completed. I disagree with this decion since it had been so long and I had never received any notice within the offer time frame that I did not meet the requirements. If they inform me so I can have time to meet the requirements. But since they did not inform me anything after the credit was applied for 6 months. I thought it was ok. I tried to solve the problem with this company, but they asked me an XXXX year old man to search their terms. All 4 customer services I talked to refused to have someone review the credit reversal.
Consumer complaint received 2022-02-27
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. (SC)

TRANSUNION, XXXX AND XXXX BROKE THE LAW PURSUANT 15 USC 1681b ( a ) ( 2 ). I NEVER GAVE THESE 3 AGENCIES WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT. AS OF XXXX THERE ARE SEVERAL NEGATIVE TRADELINES THAT I DID NOT GIVE MY WRITTEN CONSENT TO HAVE PUBLISHED ON MY CONSUMER REPORT. PURSUANT TO 15 USC 1681 ( a ) ( 1 ) THE BANKING SYSTEM IS DEPENDED UPON FAIR AND ACCURATE CONSUMER REPORTS. BY ALLOWING XXXX, TRANSUNION AND XXXX TO CONTINUE TO REPORT THESE INACCURACIES HAS CAUSE ME TO LOSE CONFIDENCE IN THE BANKING SYSTEM. AS THE CONSUMER, CREDITOR AND NATURAL PERSON ANY NEGATIVE TRADELINES OR NEGATIVE REPORTING ON MY CONSUMER REPORT WILL CONTINUE TO CAUSE UNJUST FINANCIAL HARM AND DEVESTATION TO MY GIVEN BIRTH RIGHT AFFORDED TO ME BY THE ONE TRUE MOST HIGH GOD.
Consumer complaint received 2023-03-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

I opened a checking account on XX/XX/XXXX with personal banker XXXX XXXX. There was a promotion with opening an account and the bonus was {$500.00} for a balance level of $ XXXX. The balance had to be deposited within 20 days of account opening and the balance had to be maintained for additional 60 days from the XXXX day of opening the account. I deposited {$30000.00} on XX/XX/XXXX. I have not received in early XX/XX/XXXX, therefore I reached out via phone and Citi Bank said they did not see a promotion offer in my account. I went to the bank ( branch where I opened the account ) and first, they said no promotion existed. I showed them all the documents I had saved from opening the account and they said they would submit a case to investigate. I followed up today on XX/XX/XXXX and they said no case was reported and they would submit a new report XXXX. I think their practice is unethical and fraudulent. Online there are many reports of people experiencing the same issues.
Consumer complaint received 2020-08-04
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (MD)

This company practices predatory loan tactics. I am cover under the service members relief act however, they raised my interest rate from 0 % to 30 % in a pandemic. They stated the promotional rate back charged me interest from 18 months ago. This was over {$2700.00} in interest. When I told them I had lost my job and talked to the company in XXXX due to the pandemic the representative XXXX laughed at me, and told me their was nothing he could do. And I should read next time. 30 % interest should be against the law! Please outlaw these practices.
Consumer complaint received 2020-08-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Student Loan Financial Assistance (CO)

I received a phone call from a young lady who told me her company could get much of loan paid off - by consolidation if I paid {$230.00} x 5 months with and t hen {$77.00} there after until XX/XX/2023. No interruptions or late pay then rest of loan will be forgiven. I made 2 payments - XXXX and XXXX. Then I kept getting information and instruction from XXXX who has been servicing my loans. So I called Student Loan Financial Assistance because I was confused about who had my consolidation and was receiving my money. They assured me that they had contacted XXXX and I should be paying Student Loan Financial Assistance to pay off my loans. I called XXXX who told me this was a scam. No one can buy student loans owned by Dept. of ED. So I was just giving my money away to this company. Also all student loans are on hold until XXXX due to COVID 19 with no interest being applied. I paid the XXXX and XXXX payments. 

XXXX XXXX XXXX
Consumer complaint received 2020-08-04
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: SoFi Mortgage, LLC (NC)

I refinanced my home through Sofi Mortgage LLC on XX/XX/XXXX. 

I never received a welcome packet in the mail from XXXX or an information via email letting me know that they were handling my loan. 

Not receiving a welcome packet or email I was under the impression that I would still need to mail my first mortgage payment to the address listed on the First Payment Letter that i received in my refinancing packet during closing from Sofi.

I sent my payment of {$1200.00} to Sofi Mortgage LLC on XX/XX/XXXX. 
It was delivered and signed for on XX/XX/XXXX, I sent the check and paid for it to be certified delivered via USPS, meaning someone would have to sign for it. 

On XX/XX/XXXX the check was then cleared. 
According to my bank the check was never endorsed, just had a stamp on it that said RECEIVED. I have a copy of the check and confirmed that the check was not endorsed, and just had the received stamp. 

a few days later I received a letter from XXXX asking for my XX/XX/XXXX payment. 
Sofi Mortgage LLC sold my loan to XXXX XXXX on XX/XX/XXXX or XX/XX/XXXX with giving my an heads up. I was caught off guard because I had sent my payment in and already knew that it was delivered, signed for, and cleared. I called XXXX to confirm that my payment had been forwarded but they had no knowledge of any payment being sent from Sofi Mortgage LLC nor could they see anything pending. 

I reached out to Sofi Mortgage, and they have no trace of my new mortgage, since it was sold to XXXX the loan number they gave me was a temporary loan number and no longer in their records. ( However, I am still getting mail to this day that is asking me to buy insurance for my new mortgage with Sofi Mortgage LLC ) I spent countless hours on the phone with Sofi Mortgage. I even called the company that handles their payments, XXXX, and they were never able to help me. 
I was given many different phone numbers to try and find someone who could help me, but after two weeks of constantly fighting to find my missing check no one was ever able to track it ot resolve my issue. 
I even contacted the person who I was working with from Sofi Mortgage LLC and he no longer works for Sofi Mortgage LLC, he  passed me along to someone else who wasnt ever able to help me. 

I filed a dispute with my bank in early XXXX but still to this day, XX/XX/XXXX, have no idea where my mortgage payment is. 

I also have no idea why Sofi Mortgage LLC would tell me to mail them a check, and then tell me they dont have my loan number or any account information anymore but then cash a check that has the loan number on it that is no longer in their system.
Consumer complaint received 2020-08-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

I have submitted a total of three disputes to Experian ( dates : XX/XX/2020, XX/XX/2020, XX/XX/2020 ) Experian has refused to do an investigation into my disputes. After I have provided all the necessary supporting documents and proper identification. 
They are now in violation of FCRA Sections 616, 617, 609, 611 and 605B.

When I attempt to call, no one answers and an operator gives me  prompted choices that has nothing to do with my concerns. If I do not chose any of the options the operator hangs up on me. At this point, Experian has continued this willful and negligent noncompliance and I am submitting this complaint to the Consumer Financial Protection Bureau to investigate their practices further.
Consumer complaint received 2020-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (NY)

I am reaching out to you in regards to an issue with account # XXXX. It is of great concern to me and I havent been able to get it resolved with customer service. 

There is a late payment showing up on the account for the month of XX/XX/2020. 

I am the kind who pays bills promptly and timely. In all my years of credit history, XXXX included, Ive had all payments paid on time and in an orderly fashion. 
As I am a busy man, I hired a bookkeeper many years ago. She has been taking care of all my bills, payments and so on and so forth. 

I was very surprised to see this late payment show up on my report. My bookkeeper claims she hasnt received a statement for that payment and was still setting up the payment plan as this is a new lease, and therefore didnt know of a payment due. 

It really upset me. This is my account yet I heavily relied on her making the payments, as shes been doing for years. Please understand the situation here as this was way out of my control. The bookkeeper is at fault here and she claims she knew nothing of the payment due. I cant do anything else at this point, other than reach out to you. 

I will be extra cautious in the future to make sure something of the like doesnt happen again. 

My credit report is otherwise clean. This late stands out and is affecting my credit negatively. I am trying to get a mortgage loan right now and it is impossible to do so with this mark on my report. It must be deleted. 

I turn to you to please remove the late from my account. 
Thank you, XXXX
Consumer complaint received 2023-01-06
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: Global Lending Services LLC (CA)

In accordance with the fair credit Reporting act XXXX  Account GLOBAL LENDING SERVICES, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

5 USC 1666B : 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 2023-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

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

Here are the following inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 


15 U.S.C 1681 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 make 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 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 2020-08-03
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. (NY)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2020-08-03
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. (NY)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2020-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (TN)

On XX/XX/XXXX made a XXXX payment to Frontier/Barclay Credit Card Account it was posted by Frontier on XX/XX/XXXX. I received a letter on XX/XX/XXXX stating that my XXXX payment was posted incorrectly to my account and transferred from my account to someone else 's. I have proof of payment from my bank of all payment for XXXX, XXXX and XXXX. They refuse to return that payment after four phone conversations. I want to file a complaint against them after reviewing the account they said it would take two months to look into the matter. That is ridiculous. They should return my money then if they want to look into it they can and write a letter showing proof that the XX/XX/XXXX payment was not mine, because I have proof it is mine. Frontier Account number ending in XXXX. Frontier Ref Case #  XXXX / XXXX