davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-13
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. (TX)

I am a natural person, I am a living human being, and I have rights under 15 US 1681 Equifax is governed by 15 USC 1681and they have violated my rights numerous times. I demand these accounts blisted below be removed because according to 15 US 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-06-16
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. (TX)

not mine : FCRA violations : see attachments for proof : see attachments if you guys really know how to read credit youll see all the mistakes only f XXXX wouldnt see what the violations are!!!!!!!! 



XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2021-06-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

XX/XX/21 I paid {$50.00} in fees for wire transfer of {$200.00} from my savings account at Citizens Bank in XXXX PA to a contact in XXXX XXXX. Receipt promised delivery by XX/XX/21, but funds were never received. Citizens Bank reported that transfer was under regulatory review but could not identify location of the funds. After 2 weeks the funds are gone from my account and the bank can not tell me where they are.
Consumer complaint received 2024-03-21
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. (TX)

I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating my account.
Consumer complaint received 2021-06-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (NY)

Resurgent Capital stated on XX/XX/2021 that they were willing to discuss payment options for the past due amount of {$1000.00}. However, I have attempted to reach out to the compliance department at Resurgent Capital multiple times and I have left multiple voicemails with no response back from that department. As a result, the past due balance continues to be reflected as in collections on my XXXX credit report and has a negative impact on my credit score with the credit bureau. This situation has adversely impacted me financially make it impossible or much harder to receive a positive credit decision for credit cards, loans, and other items that depend on a credit score. I believe that I have been adversely financially impacted by the companies refusal to abide by FCRA requirements.
Consumer complaint received 2021-06-16
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. (AZ)

I have explained to the credit bureau that this information included in this identity theft report does not belong to me and I did not go to any company requesting credit or an account with these companies. The credit bureau told me to call the company that the inquires are listed for I did and they send me back to the bureaus. All of this information is making my report look bad and even worst part is I didn't do this. Please delete this information. I have tried to call and ask someone to looking into this but they all read the same script that this can't be removed, but how is that when the bureau is only supposed to report only correct information. Please delete these two accounts and the inquires.
Consumer complaint received 2021-06-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Wallace Management Company, LLC (MD)

This account was a included in my bankrupcy dated XXXX XXXX. It is showing on my credit report now as a new account, which I never applied for. I have advised the credit bureau of this many times and it remains on my report. I have no paper work to send on this account, because I did not apply for it. Please assist me in getting this off of my report.Thanking you in advance.
Consumer complaint received 2021-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (GA)

I have enjoyed the use of a Synchrony XXXX VISA credit card for 2-3 years. Based on my credit score and subsequently my payment history, I began with a credit limit in excess of $ 6k, which gradually increased to over $ 9k and finally to over $ 11k. 

A few months ago, included in my monthly statement was a notice from XXXX stating, " To Our Valued XXXX VISA Credit Cardholders : We regret to inform you that, due to the current market environment, the XXXX Visa Credit Card program is ending. You can continue to make purchases using the card until XX/XX/XXXX and redeem your earned rewards points until XX/XX/XXXX. We encourage you to use your points toward the purchase of a new XXXX ... or to apply your points towards your current credit card balance in the form of a statement credit. '' ( Based on their previous written explanation, my current points equate to over {$260.00} which I intended to apply to this month 's bill. I am allowed to redeem points XXXX {$300.00} per year. ) After I was unable to redeem the points online, I contacted XXXX 's Customer Service Department ( XXXX ) at XXXXXXXX XXXX  on XX/XX/XXXX to get assistance in redeeming the points as a credit to my account. The representative ( XXXX in the Mo. office ) informed me that his records did not show me having ANY rewards points, to which I informed him that my current statement ( received this week ) shows me having over 26k points ( based on my charges in excess of $ 13k since XX/XX/XXXX ). Upon speaking to Supervisor XXXX, ID XXXX. XXXX ( at my request ), I was informed at an extremely accelerated speaking rate that while the rewards points are still redeemable til XX/XX/XXXX, a decision was made not to allow me to redeem my points. He could not give me a clear response as to why my account was singled out in spite of my current statement indicating otherwise. It is worth noting at this juncture that my account has been paid in an EXCEPTIONAL and TIMELY manner since its inception, generally carrying a " XXXX '' balance at the end of each month. I don't think I EVER made a " minimum '' payment. 

I would appreciate a response as to whether this has been a deliberate deceptive business practice and/or whether other practices/policies generated this action regarding use of the earned rewards points.
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TransUnion, XXXX, and XXXX are all reporting XXXX XXXX XXXX credit card as having a late payment in XXXX of 2022. All three agencies are violating my consumer rights of the fair credit reporting act. These companies are in direct violation of 15 US code 1666b that states a creditor can not report an open credit account as late. They are also in violation of US code 1681i that states any inaccurate and invalidated information must be removed off my credit report.
Consumer complaint received 2021-06-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (NJ)

I've tried to inquire about payments and the additional per diem interest charge on my account when the contact already calculated the finance charges. The loan amount on this is loan states {$10000.00} and I've made payment on or before the due date. But back in XX/XX/2019 the loan started getting problematic and the account started accurring per diem interest and due to the reversals of payments for corrections on Bridgecrest aka XXXX I was being charged double interest on this loan and the even though I made extra payments some because they deducted payment twice and others I made to apply to principal only the balance doenst seem to be correct and the principal only payments some are missing because upon reversal of payment it was applied to the interest because their system took payment as being late or not paid, so this account is totally incorrect and I have no idea at this time where my payment are being applied, despite the transaction history. You can see that majority of payment goes to interest. And Im not sure why Im being charged a per diem interest rate when the finance charges were already calculated in the loan amount. So I'm double paying on interest with per diem which shouldnt be on the account, and the already finance charges on the agreement. 
At this rate I will never be able to pay this loan off even in the allotted 66 months that also increased to 69. My payment are $ XXXX and payments started XX/XX/2019 to present but with additional payment which seem to be missing? Im not sure how they applied because the whole amount should be applied to principal but payment was reversed out there system and then applied as a regular payment and interest deducted. I cant get an accurate count on number of payments but I believe its somewhere between 28 or 30 maybe more because of reversals. I tried to contact Bridgecrest and have them audit the account and asked for explanation of the per diem interest but they keep insisting that the account is on tract. I asked why the per diem interest if the finance charges is already included, They tried to assure its the same thing finance charges and per diem interest which is nowhere on the contact that I agreed to. If you changed this is was in hopes that I would default on the loan or payments which has not been done on my part. So this is double finance charges so I wont be able to pay this loan off. I need assistance to get this account recalculated and remove the per diem interest since that should even be charged at all.
Consumer complaint received 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MD)

How can I take legal action against Experian? 
Dear CFPB personnel, I urgently need your help. I have good 750+ credit score both with XXXX XXXX XXXX XXXX but a 680+ score with Experian. Both XXXX & XXXX HAVE already REMOVED MY BANKRUPTCY FROM MY CREDIT REPORT ( AFTER 7 YEARS FROM XXXX XXXX  ). Experian has so far REFUSED TO REMOVE MY BANKRUPTCY FROM MY CREDIT REPORT. Experian is getting INCORRECT info verified and hurting me in getting loan approval, credit cards etc. 
The clerk at the court house said ; THE UNITED STATES BANKRUPTCY COURT DOES NOT ( I REPEAT DOES NOT ) REPORT ANY INFORMATION TO THE CREDIT BUREAUS the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately ( I REPEAT THE BANKRUPTCY INFORMATION ON MY CREDIT REPORT MUST BE DELETED/REMOVED IMMEDIATELY ). Sincerely, XXXX
Consumer complaint received 2021-06-16
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: Franklin Collection Service, Inc. (FL)

On XX/XX/2021 collection agency Franklin Collection Service added a derogatory mark on credit report per XXXX XXXX upon further research, the account was transferred /sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also there is NO written form of communication, contract or signature for the accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, Franklin Collection Service has violated my rights as a consumer and I'm requesting legal action to remove this account immediately
Consumer complaint received 2021-06-16
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. (GA)

The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/XXXX and Several times prior to that. 


Account Name : XXXXXXXX XXXX Account Number : XXXX AMOUNT : {$520.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX  Account Number : XXXX AMOUNT : {$520.00} Reason : Account is fraudulent Account Name : US DPET OF ED/XXXX Account Number : XXXX AMOUNT : {$1800.00} Reason : Account is fraudulent Account Name : US DPET OF ED/XXXX Account Number : XXXX AMOUNT : {$3200.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$460.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX AMOUNT : {$5900.00} Reason : Account is fraudulent Inquiries : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XX/XX/XXXX
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I sent a dispute to the bureaus on XX/XX/2021 regarding inquiries that I have not authorized. There are no physical signatures of mine on any applications nor do I have any open accounts on my credit report reflecting these! Since the bureaus didn't respond to me in 30 days, I sent another dispute on XX/XX/2021 and again today, XX/XX/2021. It has been almost 5 months of disputing with not 1 response from the bureaus. This is unethical, unprofessional and wrong that the bureaus are not doing their part!
Consumer complaint received 2021-06-16
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. (GA)

The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/XXXX and Several times prior to that. 


Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$520.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX  Account Number : XXXX AMOUNT : {$520.00} Reason : Account is fraudulent Account Name : US DPET OF ED/XXXX Account Number : XXXX AMOUNT : {$1800.00} Reason : Account is fraudulent Account Name : US DPET OF ED/XXXX Account Number : XXXX AMOUNT : {$3200.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$460.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX AMOUNT : {$5900.00} Reason : Account is fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX US SM BUS ADMIN ODA XX/XX/XXXX
Consumer complaint received 2021-06-16
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: PRESTIGE FINANCIAL SERVICES INC (IL)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results.
Consumer complaint received 2021-06-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (KY)

Insurance company paid medical bill for emergency room visit on XX/XX/XXXX. 
This verified with blue cross/shield in XXXX. 

Commonwealth financial system is requesting payment for the same medical bill paid by blue cross/shield in XXXX, now in XX/XX/XXXX. 

Requesting payment for a bill already paid 7 years ago is fraudulent
Consumer complaint received 2021-06-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: MoneyLion Inc. (NY)

Someone signed up for a Moneylion plus membership account at Moneylion and charged my account XXXX on XX/XX/XXXX of 2021. I'm worried that they will take out a loan in my name.
Consumer complaint received 2021-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (NC)

In spite of the fact I have a XXXX credit score and make {$250000.00} and have never ever been late on a payment, JPMorgan still denied my credit card application. This is XXXX redlining ( I am not XXXX ) because there is no other plausible reason for my application to have been denied.
Consumer complaint received 2021-06-16
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. (FL)

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX Days Late | {$200.00} past due COLLECTIONS XXXX Opened XX/XX/XXXX + {$2400.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$2100.00} Original creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$2200.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX + {$1400.00} Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$2100.00} Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX + {$500.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$2200.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX + {$62.00} Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX Opened XX/XX/XXXX + {$42.00} Original creditor : XXXX XXXX XXXX IN XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX