davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-15
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: Stern Recovery Services, Inc. (NC)

On XXXX XXXX, 2020, STERN RECOVERY SERVICES add a derogatory mark on my credit reports. STERN RECOVERY SERVICES did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Consumer complaint received 2018-12-07
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (FL)

Truth in Lending violation by Synchrony Financial. On or about XX/XX/XXXX I applied for an increase to {$100000.00} for my Lowes Card issued by Synchrony Financial. I provided XXXX income tax returns and other data via fax. Later, I provided XXXX returns and recent pay details. The increase was needed to finance the purchase of a kitchen remodel for a property we have purchased. The increase was approved on or about XX/XX/XXXX. The increased line amount was reflected immediately on the Lowes Credit website. A few days later, I received a letter via USPS stating the line availability was now {$100000.00}. In reliance of this contracted amount with Synchrony/Lowes Credit and only due to the financing being secured, I proceeded with the related purchases from Lowes. To date, partial payment of the purchases amounting to {$66000.00} have been made on cabinets and appliances and associated labor. The balance remaining is needed to pay for all related construction, plumbing and electrical work and critical items such as permitting. On XX/XX/XXXX as I attempted to make the final approx. {$30000.00} payment, we discovered the account had " been placed under review '' and further advances declined. Synchrony first claimed they were concerned with ID theft. Following confirmation of my ID via their processes, they switched to the explanation of the account being " reviewed '' and the manager refused further details leaving me completely is the dark. We will be substantially financial harmed as we now need to secure replacement financing and our renovation will be delayed. This further delays our move in and rental of our current property, all substantial financial penalties for doing nothing but relying on Synchrony Financial 's offer of credit. As a substantial earner with a credit score in the XXXX, I expected more. Furthermore, I am a XXXXyear XXXX XXXX so I recognize an extremely poor performance and breach of contract and Truth in Lending when I see it. Approving credit and then allowing a customer to get themselves indebted and therefore tied to their customer Lowes then unilaterally withdrawing credit even temporarily is beyond inconvenience and should be subject to review and sanction by CFPB.
Consumer complaint received 2018-04-21
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: Exeter Finance, LLC. (HI)

I did not apply to the following places for a vehicle. I have contacted each one and they said they can't do anything about it, and they blow me off like it's my problem, when they are the ones who looked up my credit. But it shows a negative on my credit report because all these finance companies checked my credit report. I don't live in XXXX. The only two states I have lived in for the last 30 years is XXXX and XXXX XXXX. I have not looked for a car finance company at all. If I did, I would go straight to XXXX, where I know I can get it financed. 

XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2022-06-13
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: Experian Information Solutions Inc. (TX)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Account Number XXXX has violated my rights 15 U.S.C 1681 Section 602 A state that I have a right to privacy.

15 U.S.C 1681 Section 604 A states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2018-12-10
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)

Transunion failed to positively verify the accounts and has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed..CFPB remove the accounts listed XXXX  ( ORIGINAL CREDITOR : XXXX XXXX ), XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX )
Consumer complaint received 2022-11-30
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. (CA)

I AM A VICTIM OF IDENTITY THEFT. MY WIFES FRIEND LIVED WITH US WHEN SHE FELL ON HARD TIMES YEARS AGO. SHE WENT OUT OF TOWN FOR XXXX  ONE YEAR AND LEFT HER IN OUR HOME. WHEN WE RETURNED BACK HOME SHE TOOK THE SHOE BOX THAT HAD OF OUR IMPORTANT DOCUMENTS IN THEM AS WELL AS MY SONS XXXX. HER NAME IS XXXX XXXX. BELOW I HAVE LISTED THE FRAUDULENT INFORMATION IN MY FILE THAT NEEDS TO BE REMOVED AND BLOCKED FROM MY CONSUMER REPORT IN 4 DAYS.



FRAUDULENT ACCOUNTS: 

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 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 2022-08-15
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: Experian Information Solutions Inc. (GA)

In accordance with the fair credit reporting act : XXXX XXXX account # XXXX XXXX  XXXX Account # XXXX XXXX account # XXXXXXXX XXXX XXXX  Account # XXXX Has validate 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 consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-04-23
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (MI)

SYNCB/XXXX XXXX  XXXX XXXX HAS A BALANCE THAT IS VERY OLD ON MY CREDIT REPORT, I BELIEVE IT WAS RESOLVED AND SHOULD NO LONGER BE ON MY REPORT.
Consumer complaint received 2021-09-20
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: BARCLAYS BANK DELAWARE (NY)

I am a victim of identity theft. I lost my bag and now I am receiving a bank statement I did not make. Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2014.
Consumer complaint received 2018-12-07
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. (MN)

I obtained a copy of my credit report and observed that there are fraud inquiries on my Transunion report.This are fraud and unauthorized inquiries on my credit report as well that are negatively impacting me and credit report. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX Also there is inaccurate late reporting on my credit reports for XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX and XXXX   XXXX Date Opened : XX/XX/XXXX. I was never late on this two accounts and I sent XXXX and XXXX letters and they stated they would send an update to credit report
Consumer complaint received 2018-04-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Data Corporation (TX)

TeleCheck, one of the largest national databases of NSF has no way to dispute an inaccurate report! You must go through the Collection Agency to resolve. I never wrote a check to XXXX XXXX, no idea where one is located. No notice from TeleCheck other than a reference from a collection agency and a statement it will take a minimum of 30 days to investigate. How can Telecheck retain consumer information without a process to correct erroneous reporting ... I can not believe this is tolerated. 
Ref XXXX
Consumer complaint received 2022-06-10
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 XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2018-12-07
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: EQUIFAX, INC. (CA)

I would like to report the actions of the Credit Reporting Bureaus and XXXX XXXX  for XXXX XXXX ( credit card # XXXX ) to this forum for investigation into the matter of their illegal reporting and re-aging of an account on my credit report that should have been removed by now and is appearing past the statue of limitation while containing illegal information which is damaging my credit score. The account has had absolutely no activity and has been closed off for over 7 years and yet it was updated as active, delinquent and every piece of damaging information was renewed, re-reported and re-aged dropping my credit report dangerously low ( FCRA 605-15 U.S.C. 1681c ). This is unlawful and the credit reporting bureaus have absolutely no right to allow this reporting to continue on my credit reports based on FCRA law which protects consumers when it comes to handling negative information ( FCRA 623, 15 U.S.C 1681s-2 ). I have taken this case up with XXXX XXXX  of they tried to convince me that once a payment was made the account would fall off and not report against me, I realized that that was inaccurate and that they already had sent me to collections and were attempting to collect on the same debt twice. This is also illegal on them because XXXX XXXX   can not request payment on a closed account past statue. I will be pursuing legal action against them and I will include the credit reporting bureaus in the suit of they do not delete the account in question. I found out what they were doing and stopped payment on my check immediately. 

I have attempted to negotiate with both XXXX XXXX  and The Credit Reporting Bureaus via mail, phone and online but I am constantly given generic and meaningless responses and I am tired of it.
Consumer complaint received 2018-04-10
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. (NY)

Equifax is showing numerous student loan tradelines as being 120 days or more late from 2014. During this time I was unemployed, collecting unemployment from NYS, and my federal loans should have been in deferment. I have disputed these tradelines multiple times, but Equifax has not changed the negative status, despite updating to show those months as paid for XXXX or the XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-06-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc. (NJ)

The facts stated here are true, correct and complete. Also there is no 3rd party only me. I've tried several time to get chrysler Capital to validate this debt. I'm a consumer and I know my rights. Chrysler capital may not use unfair or unconscionable means to collect any debt. Without limiting the general application of the forgoing, This kind of conduct has violations. The collection of any amount including any interest, fee, charge, or expense incidental to the principal obligation unless such amount is expressly authorized by the agreement creating the debt or permitted by law. Also enclosed are documents i send chrysler capital.
Consumer complaint received 2022-06-14
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (NY)

I USED PAYPAL CREDIT TO SEND XXXX TO AGENT IN XXXX, I SENT XXXX MESSAGES TO AGENT FOR REFUND, I NEVER HEARD BACK FREOM AGENT, I FILED COMPLAINT WITH PAYPAL CREDIT FOR REFUND, AND FILING HERE ALSO, THE MONEY WAS GIVEN TO PERSON, I SENT IT TO AFTER I ASKED FOR REFUND FROM AGENT, THE AGENT GOT BACK THE MONEY FROM PERSON, BECAUSE I ASKED FOR REFUND, AND HAS NOT REFUNDED MY MONEY
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I recently received a copy of my credit report, and I noticed that some of the information on my report should not be on my reports and are a violating of the law. 15USC & 1692g. They were to notify me of this in writing 5 days prior, I was never notified as the original creditor, only I can validate this debt. Therefore, the following accounts must be deleted from my reports immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) the following accounts : XXXX XXXX XXXX XXXX, has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 from the accounts that has been charged off written as loss. The collection is now income by IRS law states that income can not be reported as debt. Please remove these accounts from my report this is against the law and is considered tax fraud.
Consumer complaint received 2018-12-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SUNTRUST BANKS, INC. (FL)

Beginning on XX/XX/2018, a small withdrawal was made from my savings account in the amount of {$.00}. Then beginning on XX/XX/XXXX through XX/XX/XXXX 33 other transactions were unauthorized by me, the owner of the account, were made. Transactions of {$5000.00} or more were made in one day, specifically on XX/XX/2018. 

Not only did this fraud completely wipe out my entire savings ( 5-digits ) but Suntrust Bank authorized so much fraudulent activity that my account went 5-digits negative 5-digits. I found this activity on my own when checking my account on the evening of XX/XX/2018. 

I called and reported this immediately after discovering the fraudulent activity in my account. The woman on the phone didn't advise me in any way on what the process would be for my claim or how the bank would move forward with my case. One of the affidavits sent to me didn't even have the right amount on it.

This is completely unacceptable for a bank to not catch 33 transactions within a 2 week period that have fluctuating withdrawals that range from .01 $ to {$10000.00}, especially when these large withdrawls were being authorized while the account was already wiped clean.
Consumer complaint received 2018-04-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST NATIONAL BANK OF OMAHA (CA)

Received a summons to appear in court for a credit card that was never opened by me which can be verified by my credit report. Never received notices just went straight to a summons. The summons only included the last 4 numbers of the account and no transactions except a {$25.00} payment. I am going to send a certified letter to collections company regarding validation of debt and a letter to the credit card company.
Consumer complaint received 2020-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (FL)

I had all the money from my closed IRA and unemployment in my Suntrust checking account. I used the account XXXX  night and XXXX  my account was closed without any email or call from bank leaving me literally with {$0.00} to my possession when I could they simply said they closed my account without any explanation and couldnt access any of my money until theyre investigating was done. I recently lost my job due to covid and this is the only $ i had to my name and I can even get an explanation after banking with them 9 years. This is second time they did this to me
Consumer complaint received 2020-12-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I tried applying for a loan didnt know it was s scam until the bank contacted me. Their was a lock pit on my account for suspicion activity..my online banking info was breached so all my info was changed ..I was advised to submit a complaint by my bank ...
Consumer complaint received 2022-06-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (FL)

On XX/XX/2020 I performed a medical exam at the XXXX XXXX XXXX XXXX which is located at the XXXX XXXX XXXX XXXX in XXXX, PA. At the time I paid the full cost of the exam in the amount of US {$910.00}. After approximately a month I received a letter from the company XXXX Collections charging me again the amount I had already paid and I got in touch by phone and informed that the amount had already been paid at the time of the exam. A few months later I received a call from a company called Radius Global, saying that they would be responsible for charging the same debit. Again I informed that the value of the medical examination had been paid by me directly at the time of the examination and I was asked to send a copy of the receipt, which was done. However, on today 's date, when consulting my credit score, I found that the alleged debt is in my history, which makes my score low and brings me serious losses.
Consumer complaint received 2022-06-13
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. (PA)

Am an ID theft victim, unknown since Covid. I filed police report, filled out id theft affidavid for IRS. Lost all myt savings almost went broke bc XXXX XXXX  and trying to get XXXX. I have not had credit and only have my car payment which i have never been late. I am XXXX  american and deserve to have credit like everyone else affords. I have the governement form that I sent to XXXX XXXX  to get a personal loan to recover from id theft and gave XXXX XXXX the paperwork to fill out. They did nothing.
Consumer complaint received 2023-03-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (MS)

In XXXX of XXXX  I purchased a car from XXXX XXXXXXXX XXXX in XXXX, XXXX XXXX The car was a XXXX XXXX XXXX with approximately 40k miles on it. The transmission went out in the car while it was still under warranty. I was given a loaner car for 30 days and they neglected to fix the transmission and kept giving me the run around about the car. I was paying my car note to credit acceptance on time until XXXX even though I was without a vehicle. XXXX  XXXX XXXX was shut down, I still had no car but was still expected to pay the note to credit acceptance. My car was not repossessed This is very damaging to my credit.
Consumer complaint received 2024-02-28
Product: Credit reporting 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)

After checking my credit reports, I have noticed that on all three of my credit reports are showing several inquiries that I did not make and have no knowledge of. XXXX, XXXX and Equifax companies are unlawfully reporting an unauthorized inquiry on my consumer report. They are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). I have not initiated any transaction with the following accounts 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 Inquiries are not mine nor do I have any open accounts for those dates which means by law they must be deleted. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.