davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I contacted Equfax 9 times to solve a credit reporting error with XXXX XXXX XXXX XXXX reporting false, misleading and fraud information. Once again I am requesting method of Verification that I have the right under the FCRA. I have yet to receive any proof that an investigation took place or that a loan exist in the amount of {$19.00}, XXXX that is being reported on all 3 credit bureaus. XXXX  XXXX admitted guilt by stating the alleged loan as charged off- paid in full. Equifax wants me to do their job of investigating the method of Verification used by XXXX XXXX XXXX  XXXX.it is equifax job to abide by my request for method of verification. Please ask for a copy of my credit report dated XXXX. Report confirmation number # XXXX will show the proof as well. I have my copy and download of my report.
Consumer complaint received 2019-08-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (CA)

Re : Lowes store card ( Synchrony ) In XX/XX/2019, we received a letter from Synchrony regarding our Lowes account. We have always paid the account on time or within the grace period described in terms. In XX/XX/2019, another creditor marked us with a 30 day derogatory on our bureau report, which was a mistake due to misapplied payment. We have two accounts with the creditor who reported the 30 day derogatory and the creditor took the payments we sent and inadvertently applied to only one account versus both accounts per our instruction, systemically-generating the delinquency. The creditor who made the error sent us a letter, and is remediating ( I actually work for the creditor, have had those accounts for almost fifteen years and never went delinquent ). In fact, I have an excellent payment history on all my accounts with zero derogatory marks. Because we have a high balance on the Lowes card and are in the process of paying down consumer debt associated with a remodel, and due to the misreported item, Lowes shut our card off with no warning and increased our interest rate to over 26 %. I forwarded Lowes proof of the misreported item by the other creditor and they did not take into consideration. Customer service was obstinate and cited a couple times when our payment hit the account a few days after the due date, even though the payment XXXX the account within the grace period indicated on the terms. My husband changed jobs and we had to readjust our spending like everyone else does when a job change happens. We have never missed XXXXne payment or went 30+ delinquent. The person on the other line kept telling us we did go 30 days, so we investigated all three bureaus and our payment history ... she was either mistaken or being dishonest because we also disputed the ridiculous interest rate we were being charged. It is an insult to the consumer to be charged almost 30 % on an account closed by the creditor that never went delinquent and was always paid as agreed within the grace period prescribed.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

My credit report is loaded with errors. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting. The Fair Credit Reporting Act gives me the right to contest any information on my credit report that I believe is inaccurate. I want the following inaccurate items to be disputed and removed.
Consumer complaint received 2019-12-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (AZ)

the lease document is legitimate. the other document pdf which shows the breakdown of the amounts seems to be a document created just for this purpose. this case went to court. the court documents will show the LEGITIMATE AMOUNTS and final resolution to the matter. that document seems to be manufactured to fit this ridiculous amount. also as you can see, i moved out 2 days at the end of my lease which started on XX/XX/XXXX to XX/XX/XXXX. the document provided appears to be altered as i did not sign a 12month 20day lease. i signed a 12 month ONLY lease. since when have you ever seen a 12 month 20 day lease. that document is altered. i gave the office a verbal and written 30 day notice after they released and violated my privacy by talking to a third party of whom i was looking to add onto my lease without my permission. basically i was looking for a roommate. the property manager harassed my potential roommate and asked if i was even living there. The property manager then told the roommate i was looking into getting personal information on my file without my permission violating my privacy. i then issued the apartment a verbal and written 30 day notice for doing this. i told them that i would move out by the end of my lease period. we went to court and a judge adjudicated the entire case. *they have not provided any court documents that show the amounts. *they have not provided any pictures to show any damage. i took pictures of the entire apartment and i am willing to upload them. the cleaning fee also seems to be a later addition or part of the altered paperwork. * the second document to show the breakdown is not a legal document. it is not even signed, stamped or dated. there is no proof it was ever delivered. it was never presented to court. how can a case be closed on a seemingly photoshopped document.
Consumer complaint received 2024-03-15
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)

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX OF XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-24
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

During the years of XXXX thru XXXX when the United States was in a nation wide pandemic. I lost my job due to covid and fell behind on my house payments. I have since then made double payments and made good on all of the late payment charges i received from the bank and caught my loan back up to a non late status. I have tried multiple times to work with the bank on forgiving the late charges due to the loss of my job during covid but they will not work with me. These late charges have destroyed my credit score and I am in no good standing to refinance my balloon loan that is up at the end of this year. Please if there is anything you guys can help me with that would be greatly appreciated.
Consumer complaint received 2023-03-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (OH)

Capio Partners in Texas is attempting to collecting a debt. I am not the person that received the services. I asked to validate the debt and the representative refused. This morning ( XX/XX/23 ) I was alerted by XXXX that this debt posted to my personal credit file. 

This is the second time that Capio Partners has used this tactic by falsely contacting a credit reporting bureau to somehow strongarm me into paying them. It makes me wonder what other underhanded ways this company has tried to collect debts. I have disputed this with XXXX again, who removed it from my file the last time. Also, I have filed a complaint with the AG of TX and more than likely will file with the OH AG and the FTC.
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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

Account name : XXXX  XXXX Account name : XXXX / paid off account. 

Account name : XXXX XXXX Account XXXX : XXXX / XXXX missing payment and repo, the account is open and paid on time. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : 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 2019-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX  and Transunion showing I was late on 3 payment totaling 120 days from the Office Of The Attorney General of Texas XXXX XXXX Division which is inaccurate as I have never been late. I had my my phone interview about my case worker I sign the paperwork and they sent a notice to my employer to garnish my wages and the company complied. So I never had anything to do with sending payments as it came directly out of my check so I have been late. I have mail in a dispute letter to both XXXX  and Transunion with no reply on XX/XX/2019 and have yet to receive any correspondence back
Consumer complaint received 2023-03-07
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. (NJ)

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

Account name XXXX XXXX XXXXXXXX Account number : XXXX Account name XXXX XXXX XXXX Account number : XXXX Account name : CXXXX XXXX Account number : XXXX Account name : THE XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX has violated my rights XXXX 
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 2023-03-07
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. (IL)

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 : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  : # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 or 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 2019-12-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (IL)

XXXX  XXXX is saying that I owe them money on clothes they say they delivered, and left outside my apartment. However I told them that they can not leave clothes outside of my apartment. I am a XXXX  XXXX  and I am gone multiple days at a time throughout the month. I live in XXXX IL and in my neighborhood if you leave boxes or any mail outside for more than a couple days it is highly likely someone will steal it. Which is what happened multiple times. 

XXXX  XXXX is saying that they put a credit hold on my credit card because they believe I owe them money for purchases that I never received. 

I talked to them multiple times and told them that I can not get clothes delivered to my address because I am not home half the time. I have been using their pick up at store option or signed delivery and that works fine. 

However now they just informed me that I owe them money on the clothes that I never received because they left them outside my house. This is preventing me from using my XXXX credit card, and also they say they will not let me order from them. 

I need them to not charge me for the clothes never received and to let me continue the option of using the credit card at the store, or with a signed deliver confirmation, or pickup option.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX is complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-07
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. (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. 

I went to apply for a family vehicle and the dealership at XXXX XXXX stated that I had over 22 hard inquires on my credit report and was unable to approve me for a car loan. 
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 FCRA 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 2019-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Equifax and XXXX  showing I was late on 3 payment totaling 120 days from the Office Of The Attorney General of Texas XXXX  XXXX Division which is inaccurate as I have never been late. I had my my phone interview about my case worker I sign the paperwork and they sent a notice to my employer to garnish my wages and the company complied. So I never had anything to do with sending payments as it came directly out of my check so I have been late. I have mail in a dispute letter to both Equifax and XXXX   with no reply on XX/XX/2019 and have yet to receive any correspondence back
Consumer complaint received 2019-01-21
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: PDQ Check Exchange LC (UT)

I owe Money4you {$1900.00}. I have made payment arrangements, but they will not accept what I can afford so I have not been able to keep current. They have reached out to my employer many many times to the point that my employer is putting pressure on me. They have also disclosed information such as the purpose of the call, the amount owed, and other information.
Consumer complaint received 2023-03-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC (CT)

I am on a forebarreance from XX/XX/XXXX thru XX/XX/XXXX. I have been granted a $ XXXX pay off of the 12 month forebarreance and 6 month mortgage payments per XXXXXXXX XXXX. I received a call from XXXX XXXX of XXXX in XXXX of XXXX advising me of the grant amount. At that time she said my 12 months past forebarreance of then $ XXXX and the remainder of the $ XXXX for the six months going forward of mortgage payments of $ XXXX was over {$700.00}. She indicated I needed to pay that before she could make any payments of the forebarreance check or the remaining $ XXXX going forward. I paid that overage of {$700.00}. She requested a letter from Flagstar Bank for their paid invoice. Next I got a call from her approx 2-3 weeks later telling me I now needed to pay {$3500.00}. She said that Flagstar said I needed to pay that as the overage. I paid that. I called XXXX of XXXX to tell her I paid it and she sent out another letter/invoice from Flagstar for an update that I paid that. Approximately 2 weeks later XXXX called me back on Monday XX/XX/XXXX telling me I now had to paid {$3300.00}. I now began to inquire with XXXX of XXXX and Flagstar to why is there a continuous balance when I started with {$700.00}. My forebarreance is not paid. My forclosure will begin XX/XX/XXXX. XXXX XXXX now said if I pay the {$3300.00} she requested since I complained of this cat and mouse chance of overages she wouldnt ask for anymore balances. 

Something is very very wrong in this. There is no reason why XXXX didnt pay the grant since I cooperated and paid 2 payments and the 3rd payment is from what Im told the XXXX mortgage payments from XXXX and staff of Flagstar but another Flagstar staff XXXX told me it was XX/XX/XXXX mortgage payment which would have been part of the forebarreance. 

I contacted the XXXX XXXX XXXX  attorneys who XXXX XXXX sent me an email telling me this is an issue happening with XXXX and mortgage companies. I have this email. 

I received a letter from Flagstar dated XX/XX/XXXX they will be foreclosing on my property on XX/XX/XXXX. 

I have questioned XXXX XXXX as to why she is continuing to not pay the grant and she blames is on Flagstar. Flagstar is blaming XXXX. 

I need someone to help in this. 

Best XXXX XXXX XXXX Flagstar has had other complaints filed against them with you. Its a XXXX case that I have a copy of that is similar to this.
Consumer complaint received 2019-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX IS SAYING THIS ACCOUNT IS CHARGED OFF THIS IS NOT TRUE. XXXX XXXX TOOK THE MONEY OUT OF MY SAVINGS ACCOUNT TO PAY THIS LOAN OFF SO THIS LOAN IS PAID IN FULL
Consumer complaint received 2019-01-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX / XX/XX/2018 - 30 & 60 DAYS LATE PAYMENT I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2023-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CLGF Holdco 1, LLC (SC)

Genesis FS Card I finally applied for this card with a {$700.00} limit over 2 months ago. I faxed them my photo ID and Social Security card over a month ago as requested. I called them for updates several times. Today, XXXX I spoke with a rep after I informed her that the same sort of offer came in my mail today and what was really going on with my personal information ans are they trying to scam and steal identities? I'm a XXXX XXXX veteran and will bring this up to my VA representative.
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: LEXISNEXIS (NY)

I HAVE DELT WITH XXXX XXXX XXXX ON 2 DIFFRENT OCCATION LAST 2 YEARS, AGO AND SOME TIME BEFOR THAT. I HAVE DELT WITH THEM TO NO AVIL EITHER TIME. I HAVE GOTTON NO HELP AND NOTHING WAS REMOVED AND BOTH TIMES THEY HAVE GOTTON PAYED .... I JUST DIDN'T WANT TO TRUST THEM ANYMORE. THE REASON WHY IM COMPLAINING IS I REALLY NEED MY REPORT FROM LEXIS NEXIS AND WHO EVER ELES HAVE WRONG INFOMATION ON ME REMOVE COMPLETY THERE ARE ADDRESSES THAT IM NOT NOR HAVE I BEEN ASSICIATED WITH AT NO GIVING TIME MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, THE CORRECT SPELLING OF MY NAME IS XXXX XXXX MY XXXX. XX/XX/1966 MY PHONE NUMBER IS XXXX I HAVE TRYED TO CLAIM MY UNEMPLOYMED SINCE LAST YEAR, AND THEY HAD MY ACCOUNT UNDER INVERSTERGATION FOR SO LONG I FINALLY GOT A CHECK THEY HAVE TOLD ME SOMEONE HAS BEEN USING MY SOCIAL SERCURITY NUMBER AND THEY TOLD ME THEY DELET THE UNKNOW FRAUD ACCOUNT PLEASE HELP ME I NEED MY CREIT REPORT FIXED ALNG WITH THE ITIEMS THATS ON THEIR. THANK YOU AND QUESTION PLEASE CALL ANY TIME.