davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-25
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)

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. U S DEPT OF ED/XXXX/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. USDOE/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Consumer complaint received 2022-04-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Systems International, Inc. (TX)

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.

Credit systems There are 6 accounts with this collection agency 15 U.S.C. 1681 section 602 A. States I have to privacy.

15 U.S.C. 1681 Section 604 A Section XXXX : it also states a consumer reporting agency can not furnish a account without my written consent.
Consumer complaint received 2022-04-17
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 XXXX  the following accounts/inquiries has violated my rights, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX  XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX - XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX 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 Inquiry : XXXX. XXXX, XXXX 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.
Consumer complaint received 2022-04-17
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. (LA)

In accordance with The Fair Crediting Reporting act XXXX  account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, and XXXX account # XXXX has violated my ri ghts 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 n
ot furnish a account without my written instructions
Consumer complaint received 2022-04-17
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. (LA)

In accordance with The Fair Crediting Reporting act XXXX  account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, and XXXX account # 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
Consumer complaint received 2022-04-17
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. (DE)

IN ACCORDANCE TO WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT # HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 602-A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2 : STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT ITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2024-03-12
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. (MI)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX, and so on.
Consumer complaint received 2022-04-17
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX accounts XXXX, XXXX and 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 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2023-06-26
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. (MN)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX/DOFED XXXX Balance Owed : {$1400.00} ; XXXX/DOFED XXXX Balance Owed : {$640.00} ; XXXX/DOFED XXXX Balance Owed : {$3500.00}.
Consumer complaint received 2022-04-17
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 XXXX XXXX accounts XXXX, XXXX and XXXX h

as 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 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX, Capital One, and Kohls Capital One. The Account Opened is XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/2014 Balance : {$800.00}. The Account Opened is Capital One Account Number : XXXX Date Opened : XX/XX/2014 Balance : {$0.00}. The Account Opened is Kohls Capital One Account Number : XXXX Date Opened : XX/XX/2014 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2022-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (FL)

The issue is that Truist locked me out of my account because of suspected fraud activity. 
All I can do is view my available balance which still reflects that the {$10000.00} are available. 
What caused the still ongoing issue but was of no fault of my own, the person that wrote the check or ( from what I gather ) the institution that the check came from ( XXXX XXXX ) was that I deposited a {$10000.00} check via online banking that has shown available for about a week now. The person that wrote the check ( my wife ) logged into her account and showed me in real time how it had been debited from her account for days now. Also, she called XXXX XXXX and they say all is fine at their end with the check, Yet, I have called Truist fraud department many times and was only able to get through once after over a 1 hour wait. Then the Truist fraud department representative said that because my account is ongoing a fraud investigation I will not have access for up to 2 weeks. I explained everything to her but she explained that this was policy and that there was nothing she could do. I asked to escalate the matter and to speak to a supervisor and she said she couldnt do neither. I have called many times again since then and Im either disconnected after waiting a long time or on Q for over an hour or more until I finally give up and hang up. 
This is causing me financial hardship and its only due, from what I gather, because of Truist having internal issues with my transaction. 
Thank you so much for your attention to this matter.
Consumer complaint received 2019-11-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (VA)

I set up a store card associated with Wells Fargo. At the time, I asked for the payment due date to fall on or after the XXXX of month. I was told that WF would not allow my wife and I to set payment, and due date would fall on XXXX. I have made 3 payments. The first payment was for {$1000.00} -- well beyond minimum payment. The last two were for the minimum payment. The most recent payments were made on the XXXX ( 48 hours after due date ). They charged {$39.00} for each late payment. 
I have two complaints : 1 ) it seems that WF is trying to manipulate due dates to enable them to access more late fees ( I asked for XXXX or XXXX ; they set at XXXX ; banks know most people are paid twice a month and that they may not always be able to make payments by XXXX ). 
2 ) they allow no grace period. I paid both payments by XXXX within 48 hours -- after I was paid. They should allow a grace period before late fees are charged. They have no such offering, which seems to allow them to maximize fees on the card. 

I called and they agreed to waive one but not both late fees even with I asked her to escalate the issue. 
Thanks for your consideration.
Consumer complaint received 2021-08-25
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. (OH)

Contacted XXXX, XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XX/XX/2020, via certified mail. Submitted information indicating the inaccuracies, however, the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 60 days.
Consumer complaint received 2017-03-17
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (FL)

I received a letter in the mail from synchrony bank stating my Credit Card accounts were being placed on hold pending further investigation as they were disputing who I am. The credit cards affected were my Citgo, BP, Amazon, Walmart and paypal. I have had 2 of the Accounts for more than a year and have never missed a payment, been over the lmit or anything. I was locked out from accessing the accounts on line as they claimed this this might be identity theft. I filled out the form they submitted to me signed it and sent it back, to my surprise about 4 weeks later I was able to access my accounts on line but they all said I have no available credit. I immediately contacted synchrony bank and was told told because they could not validate who I am they closed my accounts. Now I have other loans, credit cards, bank loans, etc from other financial institutions I have a valid D.L AND social security number. I am very upset, as by closing my credit card accounts it will it will significantly decrease my credit sore and adversely affect me and my credit.. I am seeking an explanation and for my accounts to be reinstated with full rights as I have not violated any policy or procedure of synchrony bank
Consumer complaint received 2022-04-17
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. (NC)

In accordance with the Fair Credit Reporting Act, 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 : Also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (PA)

Caine and Weiner placed alleged debt on my XXXX, XXXX and XXXX credit reports without modifying me. This is a violation of the Early Warning Clause which states that debt collectors are to notify debtors in writing before placing account on consumers credit report.
Consumer complaint received 2022-04-17
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. (TX)

XXXX account # XXXX date opened are different from transunion then XXXX transunion date opened is XX/XX/XXXX XXXX  date opened is XX/XX/XXXX date of last active are different from transunion then XXXX transunion date of last active is XX/XX/XXXX XXXX date of last active is XX/XX/XXXX please delete this acount for multiply inaccuracies
Consumer complaint received 2022-04-17
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. (NC)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX has violated my rights. 

On XX/XX/21 XXXX XXXX XXXX received my request to validate a debt they claimed that I owe their company.

They have not responded to my request to this dat e and they are in default. 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 : Also states a consumer reporting agency can not furnish a account without my written instruction s.
Consumer complaint received 2022-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge 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 (IL)

XXXX XX/XX/2022 for {$170.00}. On XXXX XXXX XXXX was reported to Synchrony Bank whereby a dispute was initiated this occurred created 2 times. They were informed the merchant was a scam and that the product was not delivered. The tracking number that the merchant supplied was a real number however according to the USPS postmaster in XXXX, IL the tracking number supplied belonged to another merchant and another persons name & delivery address and they sent me proof literally a picture of the item delivered showing the tracking number, another merchants name and another persons name & address of delivery. I uploaded this picture for the dispute for there records Both XXXX Synchrony bank favored with the merchant stating items were delivered. I'm in shock I provided undeniable proof to Synchrony bank of the scam with a XXXX picture from USPS.. 

The amount was for {$170.00}
Consumer complaint received 2024-03-11
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. (MI)

I was looking through my consumer reports and noticed 4 hard inquires on my TransUnion account. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy according to the Fair Credit Reporting Act. I did not provide written consent to report the following inquires on TransUnion : XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX Please investigate and provide proof that I authorized the reporting of this information. IF proof can not be provided, I demand these hard inquires to be removed from my TransUnion account.
Consumer complaint received 2022-04-17
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. (FL)

In accordance with the 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 Listed accounts 1XXXX XXXXXXXX  2.XXXX XXXX XXXX XXXX ( item labeled incorrectly derogatory. Should be marked Paid off ) Removal of Extended Fraud Alerts from credit profile XXXX, XXXX, and Experian.
Consumer complaint received 2022-04-17
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 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 Listed accounts 1XXXX XXXX 2.XXXX XXXX XXXX XXXX ( item labeled incorrectly derogatory. Should be marked Paid off ) Removal of Extended Fraud Alerts from credit profile XXXX, Equifax, and XXXX.
Consumer complaint received 2020-06-08
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: Experian Information Solutions Inc. (LA)

XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to XXXX, XXXX & Experian. 

I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard back from these companies.
Consumer complaint received 2023-06-26
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. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-04-17
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. (LA)

In accordance with The Fair Crediting Reporting act XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, and XXXX account # 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
Consumer complaint received 2022-04-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MA)

I have a mortgage on my home that has been sold three times. Most recently to a financial institution named MR COOPER. The terms in my mortgage has no escrow accounts attached to include payment of taxes and insurance. 

Mr Cooper has engaged in unfair and deceptive acts by reasons for paying the taxes when no amount was due. Mr Cooper reported to me that my mortgage payment has increased almost {$500.00} to cover an escrow account they opened without my consent or doing I have spent days on the phone dealing with this Aweful financial institution in stopping this. The funds they paid to pay the taxes were returned by the taxing authority.

I believe this act could potentially destroy my outstanding credit score when I refuse to pay the escrow amount they attempt to collect