davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-27
Product: Credit card or prepaid card — Store credit 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 (VA)

In XX/XX/XXXX of XXXX a purchase was made at rooms to go. That was incorrect. It took the store almost 3 months to fix everything between corporate the store and accounting and the credit card company to my knowledge. We went up to the store on XX/XX/XXXX. We came up to the store to resigned paper work. The account was supposed to be fixed. I get an email stating that my mimuim payment was late. I contacted rooms to go/synchrony bank. On XXXX occasions and put in disputes. U have to wait XXXX billing cycles for a response. I haven't spoken to anyone in upper management to assist me. I was paying what I was told to pay until. Original dispute was solved. I didn't get the promotional min payment calculated. And now it has his my credit report again for being late XXXX XXXX I'm confused. I haven't spoken to anyone to get account fixed. This has now again affected my credit report. Stating I'm over 30 days late. This is insane and very unprofessional. I have other synchrony accounts and never been through this with not able to talk to any one with the same information that customer service had.. I need some assistance some help to get my account back in good stats. I have never been in this situation. We want the furniture just want the payment corrected. And my credit report fixed because I am not late. Very disappointed. This is not the first thing I have brought from rooms to go. And I was never late and never had these issues. Please advise. 
Thank you XXXX
Consumer complaint received 2022-12-12
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: Designed Receivable Solutions, Inc. (AL)

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. 
List the account name here with the account # ( Do not list over 5 accounts and 6 inquiries ) - XXXX XXXX XXXX XXXX Account # has violated my rights. 
15 USC 1681 Section 602 A 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 a account without written consent.

Type this out exactly in this box of you want to input your info and remove instructional verbiage.
Consumer complaint received 2022-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

For account number XXXX. 
I made 3 disputes for the same transaction ( XXXX, {$790.00} ). Each time the dispute was closed for reasons not relevant to the original issue. I resolved the issue myself with the merchant with a full refund. However, my complaint with USAA is that : 1 ) I believe USAA is closing complaints without investigating or reading complaints. Each time the complaint was closed with a reason that did not address the original issue. The first dispute was closed because they said a billing error had not ocurred. However my complaint had to do with the item not being recieved - I recieved it 2 months after the order. 
The second dispute was closed with an incorrect amount - I returned the item and never received a refund. They closed the dispute because they said they sent me a form that I did not recieve or was otherwise unaware that I recived. 
The third dispute was closed due to the timeframe having elapsed- however I had filed 2 previous complaints at this point. The fact that the merchant did not send me the item until after 60 days is not my fault. 
2 ) I asked USAA to create escalated complaints several times, however I a complaint was filed nor investigated as I asked to be contacted by a manager, which never happened.

3 ) I was offered to speak to the customer resolution team, however I was put on hold for 30 minutes. I hung up. This is poor customer service and is resulting in customer complaints not being heard. 
4 ) I called XXXX  myself and they refunded the money on XXXX XXXX XXXX

FYI, I am a bank regulator with the federal government ( although I am not involved with USAA in any way other than as a customer ), so I know how banks should operate.
Consumer complaint received 2022-12-12
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. (SC)

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. 

XXXX XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX : Acct # 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 XXXX 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 2024-01-31
Product: Credit reporting 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)

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. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX. However, they stated everything was completed accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that arent reported correctly.

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 information is inaccurate.
Consumer complaint received 2022-12-12
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. (SC)

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. 

XXXX XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX : Acct # XXXXXXXX XXXX XXXX XXXX : Acct # 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 2019-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (NV)

I mailed in a check for {$100.00} to be deposited into my account on Tuesday and on Saturday the check has not hit my account. 


Also I deposited a {$600.00} money order on XX/XX/2019 and this check did not hit my account until XX/XX/2019 this caused {$140.00} over draft fees Why is this taking so long
Consumer complaint received 2023-07-13
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: EQUIFAX, INC. (AL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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
Consumer complaint received 2023-07-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

Ive been fighting for far to long to just get a simple remodification. Since i had much bad luck in my life just to get back on my feet. But now the mortgage company is saying that the house is on a lane and i have sent them the proof that its on a street. That is what stopped the remodification because they say that its on a lane when its on a street. Now if the courts, bank and lawyers all have the wrong address and still go for a foreclosure who's wrong or doing something misleading. All i wanted is to get a resolution to resolve this stressful situation.
Consumer complaint received 2023-07-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (TX)

Dear XXXX XXXX XXXX XXXX, I am writing to demand an immediate cease and desist of all collection activities related to the alleged debt associated with account number XXXX & XXXX. I also request that you remove this fraudulent account from my credit report within four ( 4 ) days of receiving this letter. Failure to comply will result in litigation for violations under 15 U.S. Code 1692e ( 12 ). 

I have not validated this alleged debt, and my failure to dispute its validity does not imply admission of liability. I have not received any documentary evidence, such as a trilateral contract, establishing your right to collect on this debt. 

Your furnishing of this alleged debt to my consumer report without prior validation violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). This constitutes fraud, including the violation of 15 U.S. Code 1692d ( 4 ) ( debt parking ). If you can not provide proof of a lawful validation attempt before furnishing this debt on my report, it is evident that this account has been fraudulently furnished to harm my financial reputation. 

I hereby refuse to pay this debt under 15 U.S. Code 1692c ( c ). I demand an immediate cease and desist of all illegal activities, including communication and collection efforts, until you can provide sufficient documentary evidence establishing my legal obligation to pay. Failure to comply will result in litigation for actual damages caused, and you may be held criminally liable for aggravated identity theft, extortion, theft by deception, securities fraud, and mail fraud. 

Upon receipt of this letter and accompanying documents, you are hereby notified pursuant to UCC 1-202f. I expect your prompt attention and response to this matter. Please provide a written response within four ( 4 ) days, confirming the cessation of all collection activities and removal of this fraudulent account from my credit report. 


Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-10
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: EQUIFAX, INC. (IL)

I was received an emailed about my information being in the Equifax data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( a ) ( 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 ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX : XXXX... 

I have attached a copy of my ID for identity verification and a bill for address verification.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 8
Consumer complaint received 2024-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE (MI)

My dad who recently passed away has been using fake accounts in my name to steal money from me over the course or a year or so over XXXX $ he would make gambling site accounts with my information and gamble or transfer money back and forth to other banks so I wouldnt know and Im financially been strapped the whole year barely making it because of this the bank is closed and I can no longer access it but the transactions were to a company called XXXX XXXX they should have all the information of dates and time and transaction amounts I cant access those and because of my bank being negative I ended up losing my bank account because I was unable to pay off the money
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. 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 XXXX 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 2022-12-12
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)

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. 

XXXX XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX : Acct # 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 2023-10-06
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Westlake Services, LLC (TN)

Due to lack of unemployment i lost my job couldnt keep continue making payments to the loan on the vechicle anymore I called to have the vechicle to be voluntarily repossed and the respresentative that work at westlake financial services stated that they didnt won't the car because it was a useless piece of XXXX because it is an XXXX  and they couldnt do anything with it and also stated that they werent picking up the vechicle! I CALLED THEM MULTIPLE TIMES ABOUT THIS REPOSSESSION AND THEY HAVE NOT REPOND TO PICKING UP THIS VEHICLE! This is absurd! I, in good faith called them to pick this vehicle up at XXXX XXXX XXXX XXXX, Tn XXXX. 

etc these are some of the recently dates i corresponded with them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

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 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It is essential to note that I did not grant permission for these accounts, and their presence is causing me substantial distress. I kindly ask that you prioritize this issue, carry out a comprehensive investigation, and expeditiously remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely valued.