davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AK)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, are financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the financial institution and the Consumer reporting agencies XXXX, XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. Per 15 USC 1681a ( 2 ) ( A ) ( 1 ) reporting transaction history is ILLEGAL. 12 CFR 1022.3 defines IDENTITY THEFT as a fraud committed or attempted using the identifying information of another person without authority. 15 USC 1681o is civil liability for non compliance. I never received a 30 day opt out notice per 12 CFR 1016.7. Nor was I given reasonable opportunity to opt out per 12 CFR 1022.24. I am requesting EXPERIAN, XXXX and XXXX to provide documentation used to determine reporting transactional history was authorized by me the federally protected consumer signed with a wet ink signature. EXPERIAN, XXXX and XXXX have 15 days provide me with name of person spoken to, documentation used and any proof of reporting authorization. This information is being reported and used fraudulently as I have not given authorization or permission to use it especially my non public personal information.
Consumer complaint received 2022-04-30
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. (VA)

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 U.S.C. 1681 Account List : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX DBA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Have all 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 consent.
Consumer complaint received 2018-02-12
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. (LA)

There are 3 medical collections being reported by XXXX XXXX XXXX in XXXX, LA. These are NOT my bills and I have asked for validation of debt. However, I've tried to dispute the accounts through all credit reporting agencies and they have not removed them.
Consumer complaint received 2018-02-12
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. (LA)

There are 3 medical collections being reported by XXXX XXXX XXXX in XXXX, LA. These are NOT my bills and I have asked for validation of debt. However, I've tried to dispute the accounts through all credit reporting agencies and they have not removed them.
Consumer complaint received 2020-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Capital one claims although my sister stole my purse with all my forms of identification along with cell phone and car while I was at work that I am still responsible for her using two capital one cards and maxing them out on purchases of gift cards that she could sale on street fro XXXX. Someone has to help me more than just report it demand them to help me this in itself is robbery. Please I have suffered enough.
Consumer complaint received 2020-12-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

I have been getting charged for a card security program greater than 10 % of the entire balance charged. I never authorized this optional program. I told the representative months back when I called to remove me, now when I call back the representative says I had to call within 90 days. The salesman at Discoint Tire tried to deceptively add warranties I didnt want and now I got this program added somehow. Very disappointed by this experience, feel very abused by Synchrony.
Consumer complaint received 2019-03-16
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: PORTFOLIO RECOVERY ASSOCIATES INC (ID)

PRA is also a financial institution and has furnished information to all the major credit reporting agencies, including XXXX, which have in part adversely affected this consumers ability to apply for credit successfully, WITHOUT NOTIFYING THIS CONSUMER.
Consumer complaint received 2021-06-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (WA)

I have a account with XXXX. They OWN XXXX. I tried to sell something on XXXX but never managed to do so. However, I DID have 2 people try to scam me, pretending to buy my item and then trying to fool me into sending them money. 

XXXX has considered that a sale and is trying ot bill me for it, even thought i did not ACTUALLY sale anything. They hit my paypal account and withdrew the money, I don't keep any money in paypal so they reaching into my real account and took it. 

I bank with XXXX and they got my money back. Now, XXXX keeps bothering me for money AND paypal has limited my account so I can't use it to also pressure me to give them money. I don't want to link my accounts with them, they are not trustworthy, but they won't unlimit my account till I do. 

This is like wire fraud/theft. They won't stop bothering me and won't stop going after my money. I've talked to XXXX twice now and although they pretend to have fixed the problem I STILL get notices from them saying I owe them. 

Paypal has a clear conflict of interest in this matter ( they OWN XXXX ) since they didn't protect me at all from this, but instead went after my money even though they had no right to do so. 

THis is the 4th time I have had them limit my account and insist I " verify '' my information. What right do they have to do so? They don't need to see my other bank accounts when they want to " verify '' me. Its not MY info they want! its my banks info. What the XXXX? Its like a scam.
Consumer complaint received 2024-05-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (VA)

I received a letter from Security Credit Services on behalf of XXXX XXXX XXXX in which they also put this on my credit report recently stating I owe {$1800.00} dollars for a card that I never signed up for. I was a victim of identity theft and I have disputed this with XXXX for the past 6 months and they refuse to provide me with proof that this is my card and they will not remove this account and they have sold my debt to a collection agency and they are sending me threatening letters as of last month. Both of these false transactions need to be removed off of my credit report.
Consumer complaint received 2023-04-03
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 (NC)

I have called synchrony bank to dispute this matter. Someone fictitiously opened this account in my old married name which I haven't gone by in over 5 years. This account was opened in XXXX of XXXX  when i was already married and had a different name. Who ever opened this account also used a address that does not exist. The building has been tourn down for years. I filed a police report on the matter which is attached. This has put a negative marker on my credit and has damaged my credit score tremendously. I have worked hard over the years to get to where I am, and someone is ruining it.
Consumer complaint received 2022-04-30
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. (AL)

THIS IS NOT A DUPLICATE REPORT. I AM ASKING FOR THE ITEMS TO BE DELETED FROM MY CREDIT REPORT 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. 1 ) XXXX XXXX XXXX 2 ) XXXX 3 ) XXXX XXXX XXXX 15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c ( a ) ( 5 ) 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 USC 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. 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I submitted a complaint to the bureaus and they haven't responded on it, it's been more than 14 days. They just ignore my disputes and I'm not happy about that, cause it's affecting my name, personal life. PLEASE HELP!
Consumer complaint received 2024-03-01
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. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2022-08-17
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. (SC)

The inquiries listed in my report were inaccurate.I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-01-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NV)

I hope this message finds you well. I am writing to address a concern regarding my credit file. After contacting XXXX XXXX about the accounts on my credit report, it's evident they can not provide records for the mentioned accounts. ( XXXX XXXX XXXX ) However, representatives from these banks have acknowledged the situation and agreed to update my credit file.
Consumer complaint received 2022-04-30
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. (AL)

THIS IS NOT A DUPLICATE REPORT. I AM ASKING FOR THE ITEMS TO BE DELETED FROM MY CREDIT REPORT 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. 1 ) XXXX XXXX XXXX 2 ) XXXX  3 ) XXXX XXXX XXXX 15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c ( a ) ( 5 ) 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 USC 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. 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Consumer complaint received 2021-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Stenger & Stenger, P.C (IN)

In XX/XX/XXXX I was informed by a mortgage lender that there was a judgment on my public record for {$2500.00} that was filed in XX/XX/XXXX. After researching to see what it was from, it was determined to be from XXXX XXXX. I had no knowledge of this at that time and wasnt given the opportunity to appear in court. 

I had been paying XXXX XXXX directly and made a final payment in XXXX of XXXX. However, they are also still reporting it as a collections account for {$160.00}, but never informed the court that payments were made resulting in inaccurate information on my public record. 

Currently, I have this double reporting for the same debt in two different amounts and the collection agency ( Stenger and Stenger ) has not responded to verbal or written requests to resolve this, by updating the court and/or providing me with current documentation, which is preventing me from closing on a home during a highly competitive market and putting me at risk of losing it.
Consumer complaint received 2021-06-08
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. (CA)

The following hard inquiries were not done by me as I suspect it may be fraud and it's reporting on my credit report : XXXX Credit Inquiry to XXXX XXXX Via XXXX XXXX XXXX XXXX XXXX Via XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - XXXX  XXXX
Consumer complaint received 2020-06-03
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. (MS)

I recently for an apartment and I got denied. I got denied. I don't understand why I would be de-nied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit report.
Consumer complaint received 2022-01-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FC HoldCo LLC (ID)

I paid off my car loan at the beginning of XXXX. They claim they sent the title, I never received it. They now have been promising to send me a release of XXXX paperwork so I can get a duplicate and have not received it. It has been 2 & 1/2 months going on three months. They have a call center that refuses to transfer you to anyone. They say they have to email The title department and can not transfer or give me another number. I have called probably 2 dozen times, they always say it takes 15 days. I have yet to receive anything!
Consumer complaint received 2021-06-08
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (FL)

XX/XX/2019 account was brought current, {$820.00} was paid XX/XX/2019 a payment was made on this account, {$190.00} was paid XX/XX/2019 is when another payment is due.Credit acceptance has yet to update my credit report. I spoke with someone from there office who assured me, that it would reflex the payments by XX/XX/2019. This hasnt happened.
Consumer complaint received 2021-06-08
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)

I have been a victim of identity theft in the bureaus aren't doing anything about it .... i been sending notices letting them no they are not responding, violation under the FCRA ITS MUST BE REMOVED.
Consumer complaint received 2018-02-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

SPS LN XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX A full short sale package was faxed to SPS on XX/XX/17. Week after week SPSs underwriting dept claims something is missing, even though the short sale was started almost 2 months ago. They are refusing to do a complete review of the file and give a complete list of items missing at the beginning of this transaction. Instead they piece-meal it out and claim something different is missing each week. They ignore the documents we have already sent, even though their front-end dept can see it clear as day. They ask for proprietary items that do not exist online. They make up requests that have nothing to do with this borrowers situation. 

Clearly, SPS doesnt have enough employees, and they are doing anything they can to reduce their workload. SPS has too many files, too few employees, and they are simply not able to service their files appropriately. This is happening on all of our files with SPS recently -- It is also happening on LN XXXX for homeowner XXXX XXXX.
Consumer complaint received 2021-06-08
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. (TX)

I have been a victim of identity theft in the bureaus aren't doing anything about it .... i been sending notices letting them no they are not responding, violation under the FCRA ITS MUST BE REMOVED.