davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-25
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. (PA)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. he Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Account Name XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$450.00} past due as of XX/XX/XXXX. 


Account Name XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$350.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX You have 4 inquiries These lenders have accessed your credit file : XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX FACTUAL DATA/XXXX  Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-01-18
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: SYNCHRONY FINANCIAL (TX)

On XX/XX/2023 a credit application was submitted at XXXXDick 's Sporting Goods without my consent or approval. SYNCB 's Fraud department was contacted the same day by me, and I filed a dispute for the inquiry showing on my credit file. I was told by SYNCB that I will receive a letter in the mail within 10 business days in regard to my claim. I then contacted XXXX to file a dispute for the inquiry showing on my credit file. Furthermore, I requested that XXXX freeze my credit and submit a fraud alert. The customer service representee in the fraud department instructed me to also file a report with XXXX. After attempting to file a report with FTC.gov I was redirected to the Consumer Finance Protection Bureau.
Consumer complaint received 2019-03-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

i went into bank of america to open a checking and savings account. i was denied. i was told i already had an account six years ago and it was closed due to check fraud. i have never owned a bank account from bank of america. i was given a number to call. they then emailed me and requested information from me. i was refused information as to when the account was opened, what i.d was used to open the acct, how long it was open, and what transactions are linking me to the account. i was asked to make a police report, however i dont have any info to put on the report. i dont know where and when the account was opened. i have never been accused of having an account at this bank, it has never come up on any credit history or file. i have accounts in two banks both in good standing and wanted to open an account at bank of america because my XXXX children have student accounts there and it would make it easier to transfer funds between accounts. i feel that i am being discriminated against for being XXXX XXXX.
Consumer complaint received 2023-07-31
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)

EQUIFAX, XXXX, AND XXXX ARE IN VIOLATION OF violates 1681e ( b ) FCRA FOR REPORTING FRAUDULENT ACCOUNT INFORMATION : XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$970.00} Status Account charged off. {$970.00} written off. {$970.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1200.00} Status Account charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$15000.00} Status Account charged off. {$15000.00} written off. {$15000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$120.00} Status Account charged off. {$120.00} written off. {$120.00} past due as of XX/XX/XXXX.
Consumer complaint received 2021-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Transunion, XXXX, and XXXX have investigated my account for over 30 day period. FDCPA says this is a violation as well as Federal violations.
Consumer complaint received 2021-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

Investigations taking longer tan 30 days, already a FDCPA VIOLATION, since is acquiescence. Administrative process is now complete. Companies have not validated any claims only hearsay of reporting accurately and furnishing reports without my consent or proof thereof.
Consumer complaint received 2018-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (NY)

LexisNexis is sharing inaccurate information with the 3 credit bureaus : XXXX, XXXX, and XXXX. I sent them a notarized letter via certified mail and a letter from the court regarding this inaccurate public record. LexisNexis needs to remove this erroneous item from my file. It is hurting my credit.
Consumer complaint received 2021-10-11
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)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2022-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting act XXXX  Hard Inquiries XXXX XXXX XX/XX/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 XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (MN)

We have had Citi Credit Cards for years. We have attempted three times to allow us to get notifications on our account ( mobile alerts, spend limits, due dates, etc. ) to little avail. After hours of hold times, the feature ( s ) will be turned on only to be later disabled by Citi. This is extremely frustrating as we, as consumers, simply want the features and benefits of those alerts for our family.
Consumer complaint received 2018-10-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

On XX/XX/XXXX a credit card was opened in my name from my phone, I did not open this account nor was it authorized to be open. My wallet came up missing a few times but always came up my truck window was broke around that time I forget being a soccer dad a lot of moving parts leave my wallet on the seat a few times. I think someone stole my information because I had no cash either time but my social and driver license. I had no knowledge of the until recently I joined XXXX XXXX. For over two decades my brother has use my name his aka is me. Please help with this manner I have had a lot of fraud on my account over the years. Also on XX/XX/XXXX fraudulent charges occurred from XXXX. On the date this card was open from my phone there were many people over at where I live visiting friends and family many people used my phone all my personal info has been compromised etc. People have stolen my money wallet phone etc. over the years. I have XXXX XXXX. and XXXX   from all the abuse. I have been XXXX twice from him using my name and stealing my identity mailing court paperwork to his home address. I have given you possibilities please help me with this manner this is not my account. My information has been out there for a while. I disputed with all agencies and then XXXX deleted it but then it came back as a collection. Didn't understand that? 

Sincerely
Consumer complaint received 2018-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have disputed the late payments on this XXXX/XXXX XXXX account for months. XXXX and XXXX have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2022-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX UNIVERSITY Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXXXXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # 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.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX UNIVERSITY Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXXXXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX Account # 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.
Consumer complaint received 2018-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I filed a complaint with the CFPB to get validation for the XXXX XXXX XXXX reporting on my credit report. The company stated that they were unable to validate or locate my account. see attachment
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In accordance with the fair credit Reporting Act XXXX XXXX # XXXX, has violated my rights under. 

15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions.

15 u.s. code 1692b harassment or abuse
Consumer complaint received 2021-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OH)

I deposited an amount of XXXX into my account which was put on hold on the XXXXI complained to this office about the hold ( ref ) XXXXThe hold was released on their unilateral date of XX/XX/2021, not before and to no response of my complaint to the bank and to the cfpb I issued payment for the goods supplied and the supplier deposited the cheque for the XXXX .The cheque was returned unpaid. 
The account had a balance of XXXX on friday XX/XX/2021. 
this is unacceptable.
Consumer complaint received 2022-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

Upon paying for my vehicle at lease end a payment was taken from my bank account that was not due. 45 days after the payment was taken from my account I received a notice from XXXX XXXX stating that I am currently delinquent on the account and that I have been 30 days late. 

I called Toyota to let them know and they stated that I will have make a request in writing and that it may take 90 days to correct the discrepancy.
Consumer complaint received 2018-10-18
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (CA)

I have a loan with SANTANDER. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and SANTANDER with no successful resolution. XXXX, XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX, XXXX - XX/XX/XXXX / XXXX - XX/XX/XXXX.
Consumer complaint received 2022-06-15
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. (PA)

In accordance with the Fair Credit Reporting act the following accounts have violated my rights. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, 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 XXXXXXXX dated XXXX. 

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
Consumer complaint received 2020-07-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Roach & Murtha, P.C. (NY)

To whom it may concern In XXXX i moved to XXXX from US.  Beetween XXXX I live in XXXX. I only came to US for vacation. And i didnt receive any document from collector or Court. Our bank account was frozen on XX/XX/XXXX. ( with my husband ) My husband called the Roch and Murtha company. The company emailed us a paper to release the account. And they never told us that we could defend ourselves. I signed the paper on the XXXX of the month and approved it from the notary. I sent the company by email. Our accounts were released at XX/XX/XXXX and {$6700.00} was withdrawn from my account for debt. On the XXXX of the XXXX, I received letters from the company and my bank separately. It is written in 2 separate letters that I can appeal. These letters were mailed to me on XX/XX/XXXX, when they guaranteed to get the money from me. 
The letters also say that if " my income is unemployment benefit '' they can not withdraw money. Even so, they withdrew the money. XX/XX/XXXX I went to the court concerned to vacated a judgment. XX/XX/XXXX was the result, Judge declined. Because my prove is to complicated. I will do clearly with my old passport. As a reason, I wrote that I was not in the US at the time, on the court date, and that my unemployment benefit was confiscated. Despite this, I was rejected. 
I complain about this company because they didn't tell me about my defense rights. What can I do legally, please help me.
Consumer complaint received 2018-10-18
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (CA)

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/2016.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX Account # 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. I did NOT give written permission to anyone at any time to furnish this information. The following accounts have are in violating my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-05
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: Risecredit, LLC (MO)

XX/XX/XXXX XXXX was opened XX/XX/XXXX was last reported balance over XXXX $ Called company RiSE Credit today XX/XX/XXXX they said to file report with ftc.
Consumer complaint received 2020-07-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (NJ)

In XX/XX/XXXX, I received notice from DovenMuehle Mortgage that my escrow was short due to increase of insurance and property taxes. I was advised I needed to pay additional amount of {$280.00}, and based on this dollar amount, my monthly mortgage payment would increase. ( Normal occurrence in life of Mortgage Loan ) Not wanting my monthly payment to increase I paid double the amount requested and asked for a re-calculation of my monthly payment. The reason I did not want the increase is that I had previously had a Loan Modification that increased my monthly payment by {$130.00}, in XX/XX/XXXX. ( this Loan Modification was needed due to DovenMuelhle 's inability to communicate in timely manner. ) I nearly lost my home because of Dovenmuehle 's bad practices. I have made several attempts by phone and in writing to get my monthly payment recalculated. Dovenmuehle has refused to re-calculate my monthly payment even though I paid more than requested. Your assistance in getting this matter resolved would be greatly appreciated. My contact information is below : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Email : XXXX
Consumer complaint received 2023-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: FIRST PORTFOLIO SERVICING INC (MN)

I been waiting to receive my new REVVI Card credit card for over 2 months. I still havent received my new REVVI Card credit card with my credit limit of {$300.00}. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX
Consumer complaint received 2020-07-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

Equifax has placed a false reading in my credit report. Equifax reported that from XX/XX/2020 through XX/XX/2020 I went from a 26 % usage to a 39 % usage on my XXXX  credit card and again that is a false report due to the fact that I have not even used that card in many months. They took my credit score down 11 points. I have not been out of work nor laid off at anytime during this coronavirus Pandemic and  have paid my bills on time or before time and therefore I need this to be investigated. I have proof that I haven't used my XXXX card at all I'm months. I've done so well that the company wants to give me more credit but I have not accepted the offer. Every since I have started looking for a home Equifax have been bothering my credit score in a negative way and I believe that I am being redlined by Equifax.