davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-25
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: SYNCHRONY FINANCIAL (MD)

I received a letter on XX/XX/2019 congratulating me on my new line of credit with PayPal credit. I did not authorize, open, or request this line of credit. 

Upon investigation, I discovered that a line of credit in my name, with all my details, had been opened with Synchrony Bank under the guide of PayPal Credit. They put a hard inquiry on my credit reports to issue this line of credit, and my overall credit score was lowered as a result. 

An agent I spoke to in the ( arduous ) process of closing this unauthorized account let me know that PayPal has " upgraded '' some user accounts to this new credit line. Why, I don't know. All Synchrony can tell me is that the request came from PayPal, they can't differentiate between user triggered and " upgrades '' requested by PayPal. 

I contacted PayPal and inquired if this is what they had done and was met with a lot of obfuscation. First, I was directed to PayPal Credit. I explained ( repeatedly ) to XXXX XXXX, the agent, that I had spoken to them and that the information I needed would have to come from PayPal. I explained this several times. It was like I was not speaking. He continued to give me information about PayPal Credit and how to contact them regardless of how many times I told him that was not what I needed. 

I asked to escalate the chat and he said that he would but everyone would say the same thing because they're calibrated. He then said I would have to call PayPal Customer Service, that this wasn't possible to discuss on chat. 

So to sum up, a line of credit in my name was opened without my authorization, is the sole instance of fraud on my credit report, damaged my overall credit score by issuing a hard inquiry that I did not approve, took over an hour to close the fraudulent account speaking with multiple agents at Synchrony Bank ( who all gave me different " definite '' information ), and then when I inquired with PayPal directly to see if they had authorized this, which they fairly clearly did, PayPal fell conveniently deaf and/or off the record. 

Synchrony Bank didn't get my name out of thin air. PayPal is " upgrading '' customer accounts unasked and damaging their credit in the process in a misguided, illegal attempt to promote their new line of credit regardless of the cost to their customers.
Consumer complaint received 2021-10-18
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. (NC)

I am a victim of identity theft. My information was exposed in a data breech. The information is inaccurate and have no relation to the accounts reporting .I opt out of any company policies as this is to be handled under FCRA LAW. I will be following up with each company to make sure this is handled in a timely fashion. 

XXXX XXXX ( {$8100.00} ) # XXXX XXXX XXXX ( {$430.00} ) # XXXX INQUIRIES : XX/XX/XXXX XXXX/XXXX, XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-04-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (VA)

XXXX XXXX XXXX/Zales Was in mall one day trying to make payment on a ring I purchased from Zales with a Zales store credit card n prior to making my payment I tried talking to someone thought might like n was walked out by security guard n mall Manager n asked not to return or be trespassing n that's the only place Zales resides never hurt neone or stole from the store or any department I called Zales even sent my mom to mall to make payment on the phone 's they said they couldn't verify me like that n I. The mall same thing I'd have to come in for my account number which would be tres passing I was willing to pay both ways by phone n the store but was denied my payment n account number to use for payment for even online it's the only thing hurting my credit report n to beat it all prior to all this the account was almost paid in full then hit 150 days late past due due to what happened n it's the only negative item on my credit report but when finally got ahold of somebody willing to cooperate they got there money even down to the late charges/fees n I also got a XXXX credit card n it's on time n paid in full I disputed Zales with creditor n credit beaurus n nothing done
Consumer complaint received 2020-02-09
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: American Credit Acceptance, LLC (TX)

This company illegally procured me a motor vehicle financing loan without a license. They did this for the entire loan they also contracted with a towing company who's business was tax forfeitures and did not have a non consent towing license
Consumer complaint received 2020-02-09
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. (FL)

I checked my credit and saw an account from XXXX XXXX. 

I do not own a home nor do I have a mortgage. 

If there is documentation with signature on it, please release that information to me so i can take it to the police. 

I am not a homeowner and my name shouldn't be associated with any mortgages.
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2019-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Hi my name is XXXX. I recently was at home doing a routine credit check for myself. As i'm going down the list of items on my report I noticed somethings that i'm certain are not mine. I was advised to contact this agency.. I also contacted my local police and FTC. These items are not mine and need to be deleted from my credit report. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Inquiries : XXXX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX account ending in XXXX, I want this account deleted due to inaccuracies and false reporting. 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Equifax is reporting several years of activity on payment history after account was closed. I want the account deleted for false reporting because there is no activity on payment history after an account is closed. Equifax is reporting available credit $ XXXX. This is inaccurate and false reporting and I want the account deleted because the account is closed so there is no Available credit.
Consumer complaint received 2023-08-12
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: ALLY FINANCIAL INC. (PA)

in accordance with the fair credit reporting act this creditor ( ally financial ) has violated my rights. under 15 usc 1681 section 602. it states i have the right to privacy. 15 usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written instructions ( which i did not gave ).
Consumer complaint received 2019-04-19
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: AMERICAN EXPRESS COMPANY (CA)

American Express duplicates charge off of the same credit card account on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in the amount of {$6000.00}. 

I request AMEX Cease and Desist. Due to age discrimination I have been unemployed since XX/XX/XXXX when laid off from FICO as a XXXX XXXX XXXX. 
I request AMEX Cease and Desist to settle account at 60 % and immediately sue. 
Judgement will fall off consumer credit report after 7 years.
Consumer complaint received 2022-11-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (FL)

This is an account from Synchrony bank Care Credit. I have given written requests and letters to the bureaus stating i did not authorize this company to pull my report nor make an account now or ever. The account was removed in early XXXX, now is showing up again. This is an FCRA violation.
Consumer complaint received 2019-06-25
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Coastal Credit, LLC (AZ)

This complaint is in regards to Coastal Credit LLC XXXX XXXX XXXX, XXXX XXXX XXXX, IN XXXX Phone - Customer Service/Collections : ( XXXX ) XXXX On XX/XX/XXXX XXXX XXXX Coast Credit LLC filed a judgement again me in the State of Kansas in the district court of XXXX County Kansas - Case # XXXX. Garnishment total {$14000.00} I never received any knowledge of this action until I was approached with garnishment by my employer. For the past year my checks have been garnished biweekly for a total payment of over {$7000.00}. With all my payments this past year my new balance is {$8900.00}. 

On XX/XX/XXXX Coastal Credit LLC filed another judgement for the same auto loan in the State of Oklahoma in the District Court of XXXX County - Case # XXXX. Now they are seeking additional interest for a total garnishment of {$20000.00} Both garnishments have been sent to my employer. This is beyond harassment. They are malicious. How can they have 2 judgements against me for the same auto loan??? I have already been charged once and I have been paying? Why are they seeking more money. This is illegal. They can't do this. I am contacting a litigation attorney to bring harassment charges and to have the judgements dismissed for malicious intent to obtain unlawful action against me and to get additional money not owed to them.
Consumer complaint received 2020-02-09
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. (FL)

XXXX XXXX {$2600.00} Paid, closed 19 charge-offs Account number XXXX, Date opened XX/XX/XXXX, Account type Auto Loan Balance Loan Amount {$2600.00} This was included in BK in XX/XX/XXXX, the car was turned in as it was my ex wife 's daughter, It's being reported as a late payment every single month for the last 19 months, this should be removed due to the 7 year and/or these lates should be removed from my credit report.
Consumer complaint received 2019-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

After sending my police report to Equifax at my attorney 's urging to block several fraud accounts.equifax proceeded to unblock several accounts that had been blocked and did not appear on my report.coencidentally XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX all reappeared on my credit file the same exact date that XXXX XXXX XXXX and XXXX XXXX we're deleted from my report.this is illegal.XXXX XXXX XXXX XXXX and XXXX XXXX are fraud accounts and they, Equifax has proof, as does the creditors.The two collection accounts they put on my report are not even being reported by the actual collection companies.equifax is reporting these four accounts illegally and they need to be removed as they originally were!!!!
Consumer complaint received 2020-02-09
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. (IL)

Countless Disputes With All 3 Bureaus to repeatedly report inaccuracies not to mention a breach of contract with XXXX  where my report as well as personal data was compromised. Creditors and Bureaus are not reporting timely payments and paid accounts. However, late payments, charge offs and collections are reported and updated almost immediately. Not a fair or legal practice in which all credit bureaus proclaim and assure. Also, points that are deducted first for late payments or charge offs are never replaced with paid accounts or closed and agreed accounts. How is this considered fair credit reporting especially in a world full of fraud and scams. XXXX is one the leading major credit reporting agencies whom are now under investigation for data breaches but yet and still are deemed reliable to report important data on millions of consumer 's credit report.
Consumer complaint received 2019-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NJ)

Experian 's current " credit freeze '' status can not be seen. Instread, they push you to pay-upgrade to " credit lock ''. 

Requires mailed paperwork every time to freeze/unfreeze credit report since 2017. Online freeze/unfreeze fails every time saying my wife and I need to mail in the request, without explanation. There's no option to upload documents either. 

Experian seems to go out of the way to make the process painful to consumers. 

XXXX and XXXX do not have such issue.
Consumer complaint received 2020-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (ID)

On XXXX XX/XX/2020, I used USAA 's mobile deposit app to deposit a {$30.00} check with them. The image was captured clearly and successfully, and received as such by USAA. 10 days later, on XXXX XX/XX/2020, I received notice from USAA that they were deducting {$30.00} from my account, plus a {$5.00} penalty fee because the image was returned to them from the bank it was drawn on as " unreadable. '' I called USAA and they confirmed with me that yes, the image I sent them and that they received was a perfectly good image, but that somehow whatever image they forwarded to the other bank was cut off, so you could not see the dollar amount written on the check. They told me that their " policy '' required them to take my money from me out of my account, even though the error was theirs and I had done nothing wrong. 

They asked if I still had the original check, and I informed them I did not. They told me there is nothing more they could do about it, and I was the one who would be stuck with the cost, even though it was their error.
Consumer complaint received 2020-02-09
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. (FL)

XXXX XXXX {$2600.00} Paid, closed 19 charge-offs Account number XXXX, Date opened XX/XX/XXXX, Account type Auto Loan Balance Loan Amount {$2600.00} This was included in BK in XX/XX/XXXX, the car was turned in as it was my ex wife 's daughter, It's being reported as a late payment every single month for the last 19 months, this should be removed due to the 7 year and/or these lates should be removed from my credit report.
Consumer complaint received 2023-04-10
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. (DE)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to 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
Consumer complaint received 2023-04-10
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: Experian Information Solutions Inc. (AR)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$640.00} ; XXXX  XXXX Balance Owed : {$2200.00} ; XXXX XXXX XXXX Balance Owed : {$4800.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XXXX Balance Owed : {$2500.00} ; XXXX XXXX Balance Owed : {$3400.00} ; XXXX XXXX XXXX Balance Owed : {$4900.00} ; XXXX  XXXX Balance Owed : {$2200.00} ; XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX XXXX Balance Owed : {$4800.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$44000.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$790.00} XXXX XXXX  XXXX Balance Owed : {$6300.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer
Consumer complaint received 2023-10-04
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Westlake Services, LLC (FL)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2023-08-14
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. (ND)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-11
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: WELLS FARGO & COMPANY (CA)

Between XXXX and XX/XX/2018, while dealing with a severe injury that limited my mobility, my roommate XXXX XXXX stole my ID, wallet, and phone. He fraudulently used my personal information as his own, including making unauthorized charges. These charges began on XX/XX/XXXX, including a {$1000.00} charge at XXXX XXXX XXXX XXXX. Other unfamiliar charges like {$6900.00} at XXXX XXXX XXXX XXXX also appeared, which I didn't authorize. I discovered these fraudulent activities by the end of XX/XX/2018, and I promptly reported them to Wells Fargo. The only legitimate charge I made during this period was for XXXX XXXX XXXX payments. 
I possess XXXX records of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  making it implausible for me to have used the card physical.