davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-19
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: Bread Financial Holdings, Inc. (FL)

The following accounts appearing on my credit report are fraudulent : XXXX XXXX XXXX XX/XX/XXXX {$1000.00}, COMENITYBANK/XXXX  XXXX  XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XX/XX/XXXX {$3600.00} I reached out to the XXXX, XXXX and XXXX  credit bureaus several times .The last correspondence was XX/XX/XXXX. I have received no valid response.
Consumer complaint received 2022-04-19
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: EQUIFAX, INC. (CA)

My name is XXXX XXXX I have mailed, faxed, emailed, and called each bureau Equifax, XXXX, and XXXX. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible.
Consumer complaint received 2022-12-20
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. (CA)

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX ; XXXX XXXX XXXX, XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX, XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX, XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX, XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$870.00} ; XXXX XXXX XXXX  XXXX Balance : {$18000.00} ; XXXX XX/XX/2021 2021
Consumer complaint received 2023-07-21
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. (IN)

I checked my credit report XX/XX/XXXX and notice there were hard inquiries on my credit report that I dont have permissible purpose to be on there these hard inquiries are hurting me from being approved recognize I have reach out to all credit bureaus in the fraud department and these items are still in my credit profile. My rights are now being violated under 15 usc 168 1b XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-04-19
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)

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX  acct # XXXX 30 day late payment, XXXX XXXX acct # XXXX 60 day late payment, XXXX XXXX acct # 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 an account without my written instructions.
Consumer complaint received 2022-04-19
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX  acct # XXXX 30 day late payment, XXXX XXXX acct # XXXX 60 day late payment, XXXX XXXX acct # 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 an account without my written instructions.
Consumer complaint received 2021-08-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (CA)

This is regarding my ( first ) annual l escrow analysis and the resulting adjustment of my monthly mortgage payment. My monthly escrow payment will increase by approximately 60 % because the company is requiring me to start with a {$2100.00} escrow balance, which I believe is a RESPA violation - my monthly escrow amount is {$310.00}. I called the 800 # today and they just kept repeating the numbers I see on this analysis, which I believe to be unfair and a RESPA violation to now require me to have a balance upfront of {$2100.00}. Also, am I allowed to cancel this escrow account so I don't have to fund the {$2100.00} starting balance? 
Please help!
Consumer complaint received 2023-08-09
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: EQUIFAX, INC. (AR)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2023 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please update these accounts as soon as possible. XXXX XXXX XXXX Balance : {$98000.00} ; XXXX XXXX Balance : {$340.00} ; XXXX XXXXXXXX Balance : {$3100.00} ; XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$3100.00} ; XXXX XXXXXXXX Balance : {$2900.00} ; XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXX XXXXXXXX Balance : {$2900.00}.
Consumer complaint received 2022-04-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (NY)

At XXXX a.m. on XX/XX/2021, my attempted {$490.00} purchase ( trying to load a reloadable Incomm product : XXXX Serve ) with my {$490.00} XXXX XXXX XXXX  card ( another Incomm product ) ending in XXXX, at XXXX XXXX in XXXX XXXX, XXXX, didnt process correctly after my card swipe, and the transaction was voided. To receive my refund the store manager, XXXX XXXX, told me to contact her after she had looked into it and consulted with another manager. In our subsequent conversation XXXX XXXX told me the transaction had been voided by XXXX XXXX, the store did not have a {$490.00} surplus from the aborted transaction, and the {$490.00} should be back on my ( XXXX ) prepaid XXXX card in several business days. 

Because the funds hadnt been credited back to my prepaid card, on XXXX XXXX, XXXX, I submitted a dispute form provided by Incomm Inc., so the {$490.00} taken from my XXXX XXXX XXXX  card can be refunded. ( I had been out of town for nearly a month, delaying my attention to this ). Incomm states disputes are resolved within 90 days, but after 90 days I hadn't received my money or a status update. I emailed twice in late XXXX to follow up ( see : attachments ) but didn't receive a reply from Incomm either time. I am eager to receive my {$490.00} back to be made whole again.
Consumer complaint received 2022-04-19
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. (GA)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

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 XXXX  has not satisfied debt. XXXX -Untitled { XXXX XXXX has not satisfied debt. XXXX -Untitled { XXXX XXXX has not satisfied debt. XXXX -Untitled { XXXX XXXX  has not satisfied debt. XXXX -Untitled { XXXX XXXX  has not satisfied debt. XXXX -Untitled { XXXX XXXX has not satisfied debt. 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 an account without my written instructions.
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

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 Medical Subject  has not satisfied debt. XXXX -Untitled { Medical Subject  has not satisfied debt. XXXX -Untitled { Medical Subject  has not satisfied debt. XXXX -Untitled { Medical Subject has not satisfied debt. XXXX -Untitled { Medical Subject has not satisfied debt. XXXX -Untitled { Medical Subject has not satisfied debt. 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 an account without my written instructions.
Consumer complaint received 2022-04-19
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)

Multiple incorrect addresses showing on my credit profile XXXX XXXX XXXX, XXXX XXXX  York, NJ XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, Fl XXXX, XXXX, NJ XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX  XXXX XXXX, XXXX, NJ XXXX only address that should show is : XXXX XXXX XXXX XXXX, NJ XXXX **In addition : EQUIFAX MORTGAGE SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX In addition : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX HXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX In accordance to the fair credit reporting act the above stated companies have violated my rights 15 U.S. Code 1681s602a-Section 1- I have the right to privacy 15 U.S. Code 1681s604a-Section 2-It also states a consumer reporting agency can not furnish an account without my written permission
Consumer complaint received 2022-04-19
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. (MA)

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 U.S.C. 1681. 

XXXX ( Finance ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2022-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (PA)

On XX/XX/XXXX I sent a notice of rescission to Synchrony Bank and to date synchrony bank have not responded lawfully with any response to take action to terminate the security and interest on the account. Per TILA and REGULATION Z I have the right to rescind on any consumer credit transaction, 12 CFR 226.15,226.17, and 226.13. Notice was given to and received by Synchrony Bank in an acknowledged email attached.

More than twenty days have lapsed, and Synchrony Bank have not taken any steps to properly reflect the termination of the securities and interest and return all monies paid on the account. According to 15 usc 1611 and 1640 willful and knowing violation are subjected to criminal and civil liabilities of which I intend to enforce and recover if the matter is not settled in good faith.

Synchrony Bank has been harassing me and making threats of reporting to the consumer reporting agency derogatory information even after my revocation of power of attorney and my rescission. Pursuant 18 usc 894 anyone who attempts to collect any extension of credit by extortionate means shall be fined or imprisoned.

18 U.S. Code 894- Collection of extensions of credit by extortionate means ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both email from synchrony bank below. 

XXXX ( Synchrony Financial ) XXXX To : XXXX Tue, XXXX XXXX at XXXX PM Dear XXXX XXXX XXXX XXXX you for your recent inquiry directed to XXXX XXXX XXXX XXXX XXXX XXXX Bank account XXXX XXXX XXXX has referred your inquiry to me for handling. I am reviewing your concern and will respond in writing within seven to ten business days. If you would like to speak with us regarding this complaint, you may contact me directly at ( XXXX ) XXXX extension XXXX or email me at XXXX. 

Sincerely, XXXX XXXX XXXX of the XXXX Synchrony XXXX : XXXX ext. XXXX
Consumer complaint received 2022-04-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lyons, Doughty & Veldhuis, PC (MD)

On XX/XX/XXXX, a credit card account was opened using my name with XXXX XXXX, and accumulated debt was developed totaling over {$10000.00}. I never received any information from the bank, but a Writ of Summons by a collecting agency for a court appearance of XX/XX/XXXX, at the XXXX XXXX XXXX ( Maryland ). 
Identity theft is evident because there were XXXX transactions described by the collection agency in XX/XX/XXXX, in XXXX XXXX, Nevada, while I was in XXXX XXXX  practice as a XXXX  in Maryland. 
I contacted the FTC, the police, the bank, the collection agency. No information on bank statements, which I requested, was provided because the litigation creates a freeze pending trial. 
I would appreciate your help.
Consumer complaint received 2022-04-19
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: Experian Information Solutions Inc. (FL)

There are multiple inquiries that I dont recognize on my credit report. Please investigate this issue. These inquires I did not authorized. This is improper use of my information and Its damaging my financial reputation. If there is no evidence to suggest or verify it was me, please remove immediately.
Consumer complaint received 2022-04-19
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. (NY)

In accordance with The Fair Credit Reporter Act XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 8 states I have the right to privacy 15 U.S.C 1681 section 604 a section 2. I also state a consumer reporting agency can not furnish your account without my written instructions
Consumer complaint received 2022-04-19
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)

There are multiple inquiries that I dont recognize on my credit report. Please investigate this issue. These inquires I did not authorized. This is improper use of my information and Its damaging my financial reputation. If there is no evidence to suggest or verify it was me, please remove immediately.
Consumer complaint received 2022-04-19
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)

There are multiple inquiries that I dont recognize on my credit report. Please investigate this issue. These inquires I did not authorized. This is improper use of my information and Its damaging my financial reputation. If there is no evidence to suggest or verify it was me, please remove immediately.
Consumer complaint received 2022-04-19
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. (NY)

I have been waiting for a late payment to come off my report for 60 days its been almost 90 days, the Creditor of my account sent a letter out XX/XX/XXXX and there is still no change of the account, This late payment is ruining my life. The creditor has requested that the XX/XX/2021 must be accurate to paid on time. I have attached my license and the letter from the Creditor
Consumer complaint received 2022-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX on Transunion 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. 

In reference to Account # XXXX I have sent 3 Certified letters over the past 6 months disputing their claim on this alleged account. Transunion has yet to send me the proof I continue to ask of them, and this is violating my rights as a consumer and under the FCRA. I have enclosed a copy of the last letter sent to them. 

I have also contacted the collection agency that claims I owe them this money and they will not provide me with proper verification. 

The next step is to take legal action to protect my rights as a consumer.
Consumer complaint received 2022-04-19
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. (NY)

In accordance with The Fair Credit Reporter Act XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 8 states I have the right to privacy 15 U.S.C 1681 section 604 a section 2. I also state a consumer reporting agency can not furnish your account without my written instructions
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above. It reports late 90 days!!!! REMOVE NOW!!! 

XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXXXXXX XXXX XX/XX/2022 2022
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

There was a delinquent account report sent by Capital One ( twice in XXXX and twice in XXXX ). They Reported it 4 different times. When I contacted them, they said they had no record of these reports and that the account has always been in good standings. When I asked for a letter or email stating that, Capital One said that they could not provide me with that. They told me to contact the credit bureau and report it.
Consumer complaint received 2022-04-19
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. (NY)

In accordance with The Fair Credit Reporter Act XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 8 states I have the right to privacy 15 U.S.C 1681 section 604 a section 2. I also state a consumer reporting agency can not furnish your account without my written instructions