davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-30
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. (KY)

I financed a vehicle with XXXX XXXX XXXX XXXX The vehicle was traded in. XXXX XXXX XXXX XXXX XXXX late payment on my credit which would not be possible because it was traded in and paid off. I later found out that XXXXXXXX XXXX XXXXXXXX did not place a proper lien on the title when I initially purchased the car nor did they respond to the payoff request from the dealership, so the check had been issued but the bank didn't acknowledge the payoff, thus reporting in a late payment being reported to my credit in error.
Consumer complaint received 2019-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SUNTRUST BANKS, INC. (GA)

Dear CFPB, Please see the attached letter mailed to us by SunTrust. 

All the way back on XX/XX/2019 SunTrust 's XXXX XXXX was to provide our account with {$1800.00} in credit. It is now XX/XX/2019 and XXXX XXXX has not done so. In addition she has ignored all our requests for this to be addressed over the last month. 

In addition, during our multitude of calls to SunTrust concerning this case these last few months at least eight different SunTrust employees, including multiple supervisors, clearly stated that our case would be resolved by the deadline which was XX/XX/XXXX. However, when calling into SunTrust on XX/XX/XXXX the story was suddenly changed to the XXXX. Supposedly the staff member on the phone stated they would escalate the matter to XXXX XXXX as urgent to finally have our funds deposited the next day. However, XXXX XXXX has again ignored the matter and has not reached out to us. 

The evidence of the fraud we promptly provided SunTrust 's employe in regards to this case is clear and undeniable. There is no need of this behavior from XXXX XXXX towards us. 

We are a small family ran business, and this has caused us delays in buying much needed supplies as we lost our relationship with an important vendor after not being able to pay for an order XX/XX/XXXX for we had budgeted in the {$1800.00} XXXX XXXX who on behalf of SunTrust had stated would be in our account the XXXX of XXXX.
Consumer complaint received 2023-08-02
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. (NV)

XXXX XXXX acct number XXXX has violated my rights 15 U.s code 1662 It is illegal to require any downpayment and connection with the consumer credit transaction Rescind the transaction 15 usc 1635 Return of the money or property following recession
Consumer complaint received 2019-07-15
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NY)

I was a victim of ID fraud and theft and someone used my personal information to obtain a card from synchrony bank and my bank account was illegally debited in the amount of {$1800.00} I immediately filed a police report and filed a complaint with Synchrony Bank and after many years, they refunded me {$750.00}. I'm still owed {$1000.00} and I intend to recoup the money I'm out of. Synchrony Bank had no legal grounds or any authorization or consent from me to debit my checking account. This act of malfeasance and impropriety can not be ignored and tolerated. All I want is to be made financially whole and I will pursue legal action if necessary. Synchrony Bank has been most uncooperative in this most disturbing matter. Bank records don't lie and Synchrony Bank 's willing to issue me a partial refund demonstrates a consciousness of guilt and wrongdoing in the matter. My claim has substantial merit and legal basis and I'm respectfully requesting that you investigate the matter immediately.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-25
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: Experian Information Solutions Inc. (IL)

To whom it may concern, let me first state that this account was deleted on XX/XX/XXXX Experian report # XXXX and had not been reporting since until XX/XX/XXXX 4mo later it appear back on my credit report with out justification other then I opened a dispute ( on a deleted account ) which I never did because the account was deleted there was nothing to dispute account had been deleted back on XX/XX/XXXX how is this possible? XXXX has had muitiple chances to correct this account and did not and or did not respond in time allowed by law so account was deleted. Now Experian has allowed XXXX to place account back on my Experian report still reporting false information. I have attached 3 reports a report of account being deleted on XX/XX/XXXX, report of XXXX response letter of XXXX records stating account charged off XX/XX/XXXX and the actual Experian report shown that XXXX is reporting to Experian account was 120days late on XX/XX/XXXX not charged off among other false information! I also called Experian talked to XXXX a special handling department rep and he advised me to make a FTC report so it would block XXXX from reinsterting account again once I made another dispute so I did and I will also attache FTC report as well I understand XXXX is paying for Experian service but Experian has a lawful obligations to insure the information being reported to Experian is in fact true!
Consumer complaint received 2023-07-29
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)

I was told that these inquiries was not going to be hard pulls due to the fact I was apply for business funds. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-29
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)

XXXX XXXX XXXX XXXX. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-1, 15 USC 1681c-2 , 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), 15 USC 6802, and 12 CFR 1006.34 ( c ) for your antisemitism, character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade pursuant to 18 USC 247 ( a ) ( 2 ).
Consumer complaint received 2023-10-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (WA)

Hi, I want to file a complaint against American Express about their misleading e-mail notification and misleading customer service response. It might be helpful to other customers who experience similar situations to consider applying an American Express Credit card. 

On XXXX XXXX I opened a XXXX XXXX Credit card which is the second credit card under my online account with American Express. The first credit card is XXXX XXXX XXXX. However, I was not aware that the auto payment was not set up in my new account and I never acknowledged that this account payment was overdue. 

There was never a mail or phone call to make me aware that my account was overdue, although they do have a lot of e-mails spamming my e-mail address with promotional offers. 

On XX/XX/XXXX, I found an e-mail saying my account was overdue but after I clicked on the email multiple times, it always redirected me to my old account which has XXXX in the overall balance. I thought it was a technical error but I proactively talked with an online agent, but the online agent cut off the connection and left me with no responses. 

On XX/XX/XXXX, I talked to customer service again and I realized the overdue happened on my new XXXX XXXX Credit card. The agent said, " Shall I process the payment for you and notate your account right away? '' and I responded, " I can set up auto payment on that ''. The agent then said, " Post that you will be all set. XXXX is indeed the best solution. '' On XX/XX/XXXX, I found the payment had not gone through with auto pay and I manually made the payment of {$1000.00} to avoid more troubles. 

Around XX/XX/XXXX, I was concerned about my credit score and I made a call to the American Express Credit Bureau department. The agent told me, that all penalties were waived already and the late mark would be removed from my credit report, and they asked me to check on XX/XX/XXXX. 

On XX/XX/XXXX, I found a late mark on my credit report and I made a call to the American Express Credit Bureau department again, but then I was told nothing they can do on their end. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-03-24
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. (NC)

XXXX XXXX XXXX XXXX : Account No. is XXXX ( {$5000.00} ), XXXXXXXX XXXX : Account No. is XXXX ( {$73000.00} ), XXXX : Account No. is XXXX ( {$89.00} ), XXXX XXXX XXXX XXXX XXXX Account No. is XXXX ( {$1900.00} ), XXXX XXXX XXXX XXXX , Account No. is XXXX ( {$100.00} ), XXXX XXXX XXXX XXXX XXXX Account No. is XXXX ( {$250.00} ), XXXX XXXX XXXX XXXX XXXX Account No. is XXXX ( {$250.00} ), XXXX XXXX XXXX XXXX XXXX Account No. is XXXX ( {$460.00} ), XXXX XXXX XXXX XXXX XXXX Account No. is XXXX ( {$290.00} ), XXXX XXXX XXXX XXXX XXXX Account No. is XXXX ( {$130.00} ), XXXX XXXX XXXX XXXX XXXX Account No. is XXXX ( {$460.00} ), XXXX : Account No. is XXXX ( {$530.00} ), 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 2023-07-29
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. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Source Receivables Management LLC (NY)

I paid Source Receivables Management {$250.00} on XX/XX/2019 for an outstanding XXXX Bill and I was told that it would be deleted off of my account. My credit report reflects as paid but is still being shown on my account as an account with a negative pay status.
Consumer complaint received 2023-07-29
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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-07-29
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)

YOUR COMPANY IS IN CLEAR VIOLATION OF THE LAW. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATE ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report CLEARLY STATES : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; DELETE THE ABOVE LATE PAYMENTS FROM MY CONSUMER REPORT, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account ( s ), and sending out a free copy of my report after the changes have been made will result in legal actions being taken against your company,
Consumer complaint received 2019-07-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: United Collection Bureau, Inc. (NJ)

A representative from United Collection by the name of XXXX XXXX at XXXX extension XXXX called my elderly mother and father in law and told them I have a uncollected debt and they need to reach me. I have never listed this address or phone number as a contact and my correct address and phone number are public information and listed on my account. This was a violation of my privacy and had my elderly in-laws very upset.
Consumer complaint received 2019-01-04
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: ID Analytics, Inc. (OH)

I AM A VICTIM of ID theft I have several fraudulent addresses on my file that are not mine please remove the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following phone numbers are not mine please delete the following : ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) 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 2023-03-24
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE INQUIRES DO NOT BELONG TO ME.
Consumer complaint received 2020-08-02
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. (NY)

Someone in XXXX and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX,  XXXX gave me two letters of release stating the debt wasn't mine XXXX and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX My name is XXXX XXXX XXXX My phone number is ( XXXX ) XXXX XXXX
Consumer complaint received 2020-08-02
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Stokes & Wolf, P.C. (CO)

On XX/XX/2020, the process server hired by collection agency Stokes & Wolf, PC went to my previous home address where they encountered my former landlord. The process server stated he worked for the feds and handed my former landlord a stack of papers regarding a collection account in my name. My landlord told the process server I no  longer reside at that location. The process server laughed and walked away leaving the papers with my former landlord. I have not lived at said location in over a year which can be proven by my current drivers license and vehicle registration information. I recently disputed this charge on my credit. I never signed a lease nor moved into unit in question. I believe this is an attempt to bully me into paying a debt not legally mine. 

Stokes & Wolf, PC has violated 15 U.S. Code 1692c. As such, I will pursuing further legal action. 

15 U.S. Code 1692c Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
Consumer complaint received 2023-07-29
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: EQUIFAX, INC. (MN)

CREDIT COLLECTION SERV. Account number XXXX. Date opened XX/XX/XXXX CREDIT COLLECTION SERV. Account number XXXX. Date opened XXXX XXXX, XXXX CREDIT COLLECTION SERV. Account number XXXX. Date opened XX/XX/XXXX XXXX XXXX XXXX. Account number XXXX. Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX. Account number XXXX. Open/closed Open The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
provide proof of any verified information
Consumer complaint received 2023-03-24
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. (NY)

In accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions