davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-19
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. (CO)

In accordance with the Fair Credit Reporting Act : specifically, XXXX account XXXX 15 U.S. C1681 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 account without my written instructions.
Consumer complaint received 2022-05-19
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: DISCOVER BANK (GA)

Discover has a habit of false advertising. They have refused to resolve a fraudulent monthy recurring charge from someone called " XXXX XXXX XXXX XXXX XXXX  ''. They are fraudulently charging me XXXX each month. 

I have contacted both XXXX and Discover to dispute this and get no help. I have cancelled my card to stop the recurring charge and Discover simply moves it to the new account number. 

This matter goes back several years now. They owe me at least XXXX XXXX  of charges at XXXX per month. 

I have stopped using my Discover card as a result and am giving my business to my other credit cards.
Consumer complaint received 2022-05-19
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. (GA)

I received a copy of my credit report and I have found the account listed below to be in error. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under LATE OPEN end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-12-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

My ex-boyfriend reached out to me because he was contacted by Fifth Third Bank numerous times this past month. Fifth Third Bank changed the phone number associated with my mortgage to my ex-boyfriend 's phone number, which is not associated with my mortgage. Fifth Third Bank did not give me an explanation as to why it changed or when it changed. To make a payment, I had to provide my ex-boyfriend 's phone number and then explain the situation, to which they said, " I do not know when or why the phone number changed. '' I talked to 4 different people who merely repeated, " It is fixed now, and that number will never be contacted again. '' I again requested information about when this change was made and was given the response, " I do not have access to that information. '' This is a huge security issue. What if he took out a loan against my house? This is unacceptable.
Consumer complaint received 2021-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc (IL)

In XXXX, I discovered about a dozen fraudulent charges on my XXXX that's linked to my Paypal account. I worked with XXXX to remove the charges, many of which were billed to " Paypal XXXX AL. '' In XXXX, I got a notice from Paypal that they'd suspended my account until I reimbursed them {$150.00}. When I spoke with them, they said someone had used my Paypal account as a " guest '' to make the purchases and that XXXX had refunded XXXX {$150.00} too much for one of the fraudulent charges. I verified with XXXX that they'd been refunded the exact amount of the fraudulent charges - no more and no less. But Paypal insisted on me sending them a check for {$150.00} which I did because it was the only way to close out my account with them ( and I wanted to avoid this negatively affecting my credit score ). But I don't feel it was right for them to make me pay because they have bad security on their site that allows criminals to make fraudulent purchases using my account. I was the victim yet I had to pay.
Consumer complaint received 2022-05-19
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)

I'm accordance with the Fair reporting act XXXX XXXX XXXX, 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 violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-19
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. (TX)

I'm accordance with the Fair reporting act XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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 XXXXXXXX violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have communicated over a period of one year with the credit reporting company that : The DEBTS shown are not mine and submitted the COURT DOCUMENTS indicating that the DEBT is not mine and they still have not removed the items. 
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 # XXXX, Account name : # 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 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 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 2019-07-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc. (LA)

In reference to file # XXXX in the matter of Santander Consumer USA Inc. 
I am an Affected Consumer in this Consent Order and need to know the status in which Santander sent or plan to send me check and apply a statement credit to my account. 

I contacted Santander on Tuesday, XXXX XXXX and on Wednesday, XX/XX/2019 requesting information regarding this and was told they were not aware of the Consent Order and that there is no one within their organization that could assist me and was unable to provide me with any other contact phone numbers. 

I believe I have the right know if Santander is following up on the stipulations order by the court and what the timeline is. 

In the meantime, their fraudulent activities has case undue stress not to mention the negative impact on my credit report. 

Please provide me with information on this matter including any further steps I can take as a consumer.
Consumer complaint received 2022-08-30
Product: Checking or savings account — Checking account
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I used to have a checking account with bank of America ending in XXXX. This was closed on XX/XX/XXXX by bank of america. Commencing on or about XX/XX/XXXX, I fell victim to a multilayered scam operation orchestrated by various ( seemingly interconnected ) brands such as XXXX  / XXXX / XXXX  / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( collectively : the Companies ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via bank wire and card payments in the total amount of XXXX USD. This is the amount I lost through Bank of America checking account. I do have fraudulent transactions on my another account held in XXXX bank. This bank resolved all of them positively and timely. But bank of america call centers, their internal systems, responses are very delayed. They denied my claims multiple times without mentioning proper reason and failing to communicate about what paperwork they needed to resolve the claims. As the delay is prolonging to resolve all these claims, my debt collectors are after me. My credit cards debt is accruing unnecessary interests. My credit report is spoiled. My retirement accounts are deprived with the money went out through Bank of America checking account.
Consumer complaint received 2023-10-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (PA)

I recently spoke to a supervisor in the legal dept of Southwest Credit System # rd Party collection agency. I informed the lady that I spoke to that I was planning to file a lawsuit against this company if they did not remove the negative fraudulent account from my credit file.
Consumer complaint received 2021-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters since XX/XX/XXXX with regards to my request of removing the items in question and my last request was sent XX/XX/XXXX. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : CB XXXX : $ XXXX Opened : XX/XX/XXXX
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent request over and over and sent letters to TransUnion, XXXX and XXXX, for them to update my information correctly because they have old information online consumer report numbers that I can no longer be reached at and addresses that are not mine as well as phone numbers that are not mine and I asked them over and over to update my information correctly on my consumer report and they have failed to do so.
Consumer complaint received 2020-12-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (PA)

I opened a JCPenny 's credit card on XX/XX/XXXX. I had 1 late payment in XXXX of XXXX. I paid the debt owed in XXXX of XXXX and that was the only time I was late in 13 years. Since then, I cut the card into pieces so I wouldn't use it again! Therefore, I should probably cancel the card! 

Thank you! 
XXXX XXXX
Consumer complaint received 2019-11-21
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)

I have several unauthorized inquires on my credit report which I Did receive any lines of credit nor am I familiar with the companies. I have listed the dates and companies of the inquires below : Company : XXXX Date:XXXX : Company:XXXX XXXX XXXX Date:XX/XX/2019Company : XX/XX/XXXX Date:XX/XX/2019Company :XX/XX/ XXXX Date:XX/XX/2019 Company : XXXX XXXX XXXX XXXX   Date:XX/XX/2019 Company : XX/XX/XXXX Date:XX/XX/2019 Company : XXXX Date:XX/XX/2019Company : XXXX Date:XX/XX/2019Company : XX/XX/XXXX Date:XXXX Company : XXXX XXXX Date:XXXX Company : XXXX XXXX Date : XX/XX/2019 Company : XXXX XXXX Date:XX/XX/2019Company : XXXX Date:XX/XX/2019 Company : XXXX Date:XX/XX/2019 Company : XXXX Date:XX/XX/2019 Company : XXXX XXXX XXXX Date : XX/XX/2019 Company XXXX XX/XX/XXXXXXXX Date : XXXX Company XXXX XXXX XXXX Date:XX/XX/2019 Company : XXXX XXXX Date:XX/XX/2019 Company : XXXX Date:XX/XX/2019 There are also different accounts on my credit report that I did not authorize. I have listed them below. 

Account # XXXX Amount : {$450.00} Account:XXXX Amount : {$430.00} Account : XXXX Amount : {$1900.00}
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

PLEASE DELETE THESES accounts XXXX ) XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX ) XXXX XXXXXXXX XXXX  account # XXXX XXXX ) XXXX XXXX # XXXX XXXX ) XXXX XXXX  # XXXX XXXX ) XXXX XXXX  account # XXXX XXXX ) XXXX XXXX XXXX account # XXXX I never gave my permission to furnish any negative accounts. 
Please Delete XXXX XXXX XXXX XXXX XXXX XXXX. Address From my Credit Report!
Consumer complaint received 2022-05-19
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. (PA)

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, has violated my rights. The date opened, No. of months, last reported, comment, last date active, and date of last payment differ when comparing my Transunion and XXXX consumer reports differ so they're inaccurate. This is also a violation. This account is negatively impacting my ability to secure credit and loans. 

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 2022-05-19
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. (PA)

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  account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX  XXXX account # XXXX XXXX  XXXX Bankruptcy account # XXXX These accounts have 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 2022-05-19
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. (PA)

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  account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX  XXXX account # XXXX XXXX XXXX Bankruptcy account # XXXX These accounts have 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 2019-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have several unauthorized inquires on my credit report which I Did receive any lines of credit nor am I familiar with the companies. I have listed the dates and companies of the inquires below : Company : XXXX Date:XX/XX/XXXX : Company:XXXX XX/XX/XXXX Date:XX/XX/2019Company : XXXX XXXX Date:XX/XX/2019 Company : XXXX XXXX   XXXX Date:XX/XX/2019Company : XXXX XXXX XXXX XXXX   Date:XXXX Company : XX/XX/XXXX Date:XX/XX/2019 Company : XXXX Date:XX/XX/2019 Company : XXXX Date:XX/XX/2019 Company : XX/XX/XXXX Date:XX/XX/2019 Company : XXXX XXXX Date:XX/XX/2019 Company : XXXX XXXX Date : XX/XX/2019 Company : XXXX XXXX Date:XX/XX/2019 Company : XXXX Date:XX/XX/2019Company : XXXX Date:XX/XX/2019Company : XXXX XXXX Company : XXXX XXXX XXXX Date : XX/XX/2019 Company XXXX XX/XX/XXXX XXXX Date : XXXX Company XXXX XXXX XXXX Date:XX/XX/2019 Company : XXXX XXXX Date:XX/XX/2019 Company : XXXX Date:XX/XX/2019There are also different accounts on my credit report that I did not authorize. I have listed them below. 

Account # XXXX Amount : {$450.00} Account:XXXX Amount : {$430.00} Account : XXXX Amount : {$1900.00}
Consumer complaint received 2019-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (SC)

Your settlement for improper use of individuals private imformation was settled improperly. I didnt agree to a monetary compensation. I would like 125 points added to my credit score. The conditions of this economy are not and have not ever been fair to people of XXXX. XXXX is derived from the old English language meaning hidden as to say people of XXXX are to be kept away from acquiring assets such as property because they are considered property. I fell as though you should give people of XXXX a fair chance at property ownership. The Americans dream should not be owning a house. That should be the benefit of being American.
Consumer complaint received 2019-01-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (OH)

Wakefield & Associates has contacted me about a debt that does not belong to me and at this point they have reported it to the credit bureaus which have negativly affected me. I have tried to contact them on a couple occasions. I have no knowledge of the debt that they claim I owe.