davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-29
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. (AL)

I called the creditors and Spoke with a agent and explained to her the law 15 U.S.C. 1666b ( Timing Of Payments ) and explained to her that I have not been getting my statements in the mail she waived my fees on my XXXX XXXX XXXX  and XXXX XXXX, XXXX XXXX XXXX  She waived the late payment fees but they did not remove the late payments from credit reports and it's hurting my credit tremendously! I have called the XXXX bank and disputed the late payments with XXXX, XXXX, Experian with the result of the late payments still showing on my credit report. Attached are my statements showing the waived fees and a copy of the FCRA Law 15 UC Code 1666 b.
Consumer complaint received 2020-02-18
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: Experian Information Solutions Inc. (GA)

XXXX XXXX XX/XX/2018 Not my account Delete it immediately Account : XXXX XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX   ( Original Creditor : 08 XXXX XXXX XXXX ) XXXX This account is not mine Delete it immediately Account : XXXX XXXX This account is not mine Delete it immediately Account : XXXX XXXX XXXX This account is not mine Delete it immediately Inquiries : XXXX XXXX I did not authorize Delete it  immediately XXXX XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX/XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately
Consumer complaint received 2019-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

Dear ConsumerFinance.Gov : Hello. I haven't been able to get a credit report from any of the 3 credit bureaus for about ten years. A few years ago, I filed a previous complaint with ConsumerFinance. The result was that someone sent me some emails for a few months, apparently trying to emotionally smooth me. Nothing ever happened from her email messages, since I still am not able to receive a free credit report from any of the 3 credit bureaus. Also, I am unable to update my personal information or remove false information. When I get online at their websites, I am told I need to call a phone number. When I call that phone number, I am told to either go online, or submit paperwork to them through the postal system, or submit identity documents to them by email. I do whatever they ask, and the result of it all is that the 3 credit bureaus say they can not verify my identity. I submit everything and more, with beautiful museum quality documents, and still, they can not verify my identity, with my most current driver 's license, SS card, birth certificate, current voter registration, passport landing page, current car registration, current car insurance, recent bank statements, and recent mobile phone billing statements. No matter what I submit to them, they claim they can not verify my identity, claiming it doesn't match their records. They refuse my accurate records. I am a USA-born, USA citizen, speaking perfectly fluent English and having the most elegant communication skills, and the 3 credit bureaus can not verify my identity. Please help.
Consumer complaint received 2022-05-15
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 XXXX XXXX XXXX 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 : its also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-08-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC (TN)

I enrolled in XXXX University XX/XX/2017. I was only in the class for three days and requested to be withdrawn from the course. My adviser received the email but failed to withdraw me. XXXX tried to get me to pay even though I withdrew before payment was necessary. They admitted the mistake but continued to claim that I owe {$1400.00}. It has now been reported to Ability Recovery Services. I tried to talk to XXXX and get the matter resolved but they would not help me. When I was added to the course I was added late according to XXXX. Upon being added late XXXX now states that I was added after the date and am not entitled to a window of withdrawal. XXXX did not inform me of this when I signed up for the course. When I spoke with my adviser on the phone she stated that I would not have to pay and that late add students are entitled to the equal opportunities that regular students are. I am now being attacked by this debt collector after being lied to by XXXX. I proceeded with due diligence and read the policies and it did not have a policy for late add students. All I want from XXXX is for the debt to go away and to have equal opportunity in their educational entity.
Consumer complaint received 2022-06-04
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: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (FL)

Cardinal Financial loan officer was bothering me non stop for months, finally spoke with her on the phone to get an idea of purchasing my first home and next thing i know i see an inquiry notification while on the phone with them first off i never gave written or verbal consent to pull my credit and now the loan officer will not return my calls and the company i cant get ahold of either, im pretty sure they have fake reviews all over the place because im finding many complaints about real clients who have the same situation they pull credit without authorization and will not return calls this is adhering me from getting a home loan approved now they dinged my credit with a hard inquiry which i have to wait 2 years to apply again this is fraud and nothing but fraud I NEVER GAVE CONEST WRITTEN OR VERBAL FOR THEM TO PULL MY CREDIT REPORT, please help me get this off i need a house.
Consumer complaint received 2022-06-04
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (SC)

On XX/XX/2022 - received a notice from Synchrony Bank that they had decreased my credit limit on my XXXX  XXXX XXXX account ending in XXXX although my account is current on payments. I have not had an issue paying on this account or the account I had previous to this one. The letter states that the decision is due to a delinquent or derogatory real-estate account which is CURRENT and has absolutely nothing to do with paying XXXX  XXXX XXXX. I have not asked for an increase on this account therefore Synchrony should not be running my credit report in the XXXX place. 
Like many during the pandemic, I ensured that all my bills stayed current and paid my bills even if the minimum was all I had to pay. By decreasing my credit limit not once but twice, Synchrony is causing my credit score and my credit card utilization to decrease due to the account being at the limit and not where it should be within the original credit limit of XXXX. There was absolutely no reason to decrease my original limit the XXXX time, yet I made no complaint ( I forgot and missed my due date once but paid immediately as soon as I realized what I had done ), but to decrease my limit again especially for an account holder who is paying on time and with a current account status is outrageous! The main concern should be that my account status is and has been current since I opened this account and there should be no reason to view my credit report unless I request a credit increase therefore giving Synchrony permission to do so. My account with Synchrony Bank is not past due, has never been delinquent and all credit criteria should be based on this status and no other
Consumer complaint received 2022-09-29
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. (AL)

I called the creditors and Spoke with a agent and explained to her the law 15 U.S.C. 1666b ( Timing Of Payments ) and explained to her that I have not been getting my statements in the mail she waived my fees on my XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX She waived the late payment fees but they did not remove the late payments from credit reports and it's hurting my credit tremendously! I have called the XXXX XXXX  and disputed the late payments with Transunion, XXXX, XXXX with the result of the late payments still showing on my credit report. Attached are my statements showing the waived fees and a copy of the FCRA Law 15 UC Code 1666 b.
Consumer complaint received 2022-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

i tried to access my personal credit report at transunion but was denied access also i have a credit freeze on my transunion account and also am being denied acces to lift the freeze i need access to my reports because i am being denied credit and employment opportunities due to the freeze i contacted transunion on multiple occasions at XXXX also at XXXX XXXX all these contact numbers i spoke to the agents and none of them have helped me resolve my issue i keep being told i will get a call bak from a another agent in 72 hours so i feel my life is on hold and my faur credit rights are being violated and i demand justice or to be allowed acces to my information being reported by transunion
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

Back in XXXX, I placed a purchase on XXXX, but it turned out to be a scam. I " purchased '' weights for {$99.00}, but my account was charged {$98.00} by XXXX XXXX. I listed that transaction as fraud until I did a little more digging into the incident and discovered that the place I purchased the weights from is that one who charged me as XXXX XXXX. I explained all of this to my bank and even XXXX XXXX XXXX and reviews showing it was a scam, but they still reversed my credit and kept pointing me to different sections with no one actually doing anything. Now they want to say that it's been too long and they can't refund my money. However, if they would have actually done their job properly in the beginning this would have been resolved within the appropriate timeframe. The second incident was from XX/XX/XXXX where I attempted to purchase a XXXX from a company allegedly in the XXXX by the name of XXXX. My account was charged {$270.00}, but I never received anything from them. Shortly after I placed the order my husband said he thought it was a scam and to call my bank. I called my bank and tried to cancel the transaction. Since that incident, my bank has a new procedure where we can cancel a transaction during the phone call. I don't know exactly why they reversed my credit for this case, but I have repeatedly asked for additional information ( which I have not received ) and XXXX of their documents has someone saying I told them " I had received something, but didn't know what it was '' which is an absolute fabrication on the part of the company.
Consumer complaint received 2022-12-18
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. (OH)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2019-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (TX)

American Express has allowed numerous fraudulent accounts to be established in my name. I have already advised American Express these were fraudulent accounts as a result of identity theft. American Express is already aware I am a victim of identity theft since a previous application for an Everyday Card was already reported as identity theft. Yet they closed that account but the following accounts were established using the email address that was found on the dark web from XXXX being sold by identity thieves, I have already notified American Express of this information and they laughed it off. Their Fraud Department tried to say they deny the claim because payments were made to the Gold card USING A FRAUDULENT bank account which I had XXXX XXXX close due to unauthorized transactions, and XXXX XXXX also reversed all the payments made to these accounts to American Express as fraudulent unauthorized transactions. I did not authorize any of these accounts to be established using XXXX, I did not receive these cards and my mail had been forwarded to a fraudulent address. American Express has not sent me any documentation on these accounts, nor cards for these accounts yet they continually keep establishing the gold card and the other accounts. XXXX <- Fraud. Identity theft. These accounts were applied for ONLINE. American Express did not call me to clear my Extended Fraud Alerts, In fact XXXX blocked the American Express inquiries as soon as they showed up, and they continually block subsequent inquiries. Additionally, all of these American Express Accounts were blocked with all 4 Credit Bureaus. XXXX, XXXX, XXXX, XXXX. They were all notified these American Express accounts were opened as the result of identity theft. Yet American Express when speaking to their fraud department told me they don't care because they see a verified fraud payment to the account. Which XXXX XXXX revoked and re took back. Yet American Express still says it's verified. They do not want to follow the law and do not assist with identity theft victims.
Consumer complaint received 2024-04-03
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC (GA)

XXXX XXXX I borrowed money from the XXXX XXXX as a last resort to help a family member with legal debt. I am XXXX and on a fixed-income, so I was really motivated to pay this debt and have it behind me. I made a few payments late ( only by XXXX to 3 days ). When I noticed that the balance wasn't going down after paying on it for almost a year, I was then told that the loan had no grace period and that because of the late payments the loan was regenerated because they are pawn loans and expected to be paid off in 30 days. This is the most absurd thing that I have ever heard of. HOW am I expected to pay off a loan for that amount in 30 days?! I feel like I've been taken advantage of. I never would have borrowed the money under those conditions. I really need help. I need someone to advocate for me. I want to pay off ONLY what I Originally agreed to and move on. This unfair practice should not be allowed. It's extremely predatory!
Consumer complaint received 2020-02-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

XXXX withdrawals were made from my checking account without authorization first XX/XX/2019 {$1900.00} 2nd XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX these three I I have received credit back into my account 4th XX/XX/2019 was {$1000.00} I have not received and XXXX XXXX from Fifth Third Bank will not return my call all of these transactions came from a company called XXXX???
Consumer complaint received 2020-02-18
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. (IL)

In the XX/XX/2018 I got a mortgage from XXXX XXXX. I used a preapproval from XXXX. XXXX   XXXX performed another preapproval, and then another inquiry in order to process the loan. My conversations with XXXX and XXXX XXXX led me to believe that all of this activity would only count on my credit report as 1 inquiry if they all happened within 45 days of each other. On my credit report, I have 3 hard inquiries from these approvals and they all occurred within 26 days of each other.
Consumer complaint received 2022-12-18
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. (IL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (CA)

On Saturday, XXXX XXXX, I was looking at my credit reports obtained by me from using XXXX and I see a Discover Credit Card that was established without my knowledge nor my consent. I havent applied for this account, and I am a victim of identity theft. I have contacted the company to dispute the account, I was told that they would transfer me over to the Discover Investigations dept. That department strictly handles fraudulent applications/accounts. I have not had any luck in reaching them and I need to get a hold of someone because I have never opened this account and I need them to close this account down and deem it as fraud/identity theft. I see the fraudulent account was opened XX/XX/2019 and that fraudulent account has been charged off with a balance of {$3400.00}. Can someone please look into this matter and let me know of the outcome?