davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-01
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 FOUND 7 DATA BREACHES ON MY ACCOUNT!!! 
HOW DOES THIS HAPPEN? 
HOW DO I PROTECT MYSELF? 
Should I freeze everything for eternity?
Consumer complaint received 2017-09-21
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: Santander Consumer USA Holdings Inc. (LA)

On XXXX XXXX, XXXX, there was an inquiry request made by XXXX XXXX and was sent to the companies listed below. I contacted XXXX XXXX about the unauthorized inquiry and that it had to be removed because I did not authorize them. XXXX XXXX typed a letter stating that the inquiries were made in error and I did not fill out an application. Each letter was sent to the companies with my request to remove them and my request was not granted. Attached is a copy of the letter from XXXX XXXX. 

The following companies pulled my credit from XXXX : XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquires were pulled from my XXXX : XXXX XXXX XXXX XXXX The following inquiries were pulled from my XXXX Credit Report XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2020-10-27
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. (OH)

The accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2019-05-16
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (TN)

In XX/XX/XXXX, my daughter took a look at her credit and saw that Walmart/Synchrony Bank was on her credit. I knew she was on my Walmart Credit Card, BUT as an authorized user. During that time the credit was issued by GE. 
I called Walmart and was told that she was not an authorized user but a joint user. I did not know this. When I first got this card in XX/XX/XXXX. I do not remember her signing anything. Really she was still a minor at this time. I asked Walmart if they would send me a copy of the credit application that she and I signed. I was told that it would take more then 30 days to find the application. In less than two weeks I received a letter on XX/XX/XXXX, stating that the application was a joint one and they could NOT remove her name. I called again and told them that I needed to actually see where she signed the application. On XX/XX/XXXX, I received a letter stating they could not find the application. They also said that it was paperless. On XX/XX/XXXX I received another letter saying that they needed more time to find the application. Then I got a letter from a XXXX XXXX, on XX/XX/XXXX stating that my daughter and I applied for the credit card on XX/XX/XXXX and entered into a valid agreement with Synchrony Bank. When I paid bills from Walmart the credit was NOT with Synchrony Bank it was with GE. Again, on XX/XX/XXXX, I received another letter stating that it may take them one to two billing cycles to respond to me. 
I just want my daughter 's name to be removed from the bill. A minor does not sign for a credit card. 
I want them to show proof that my daughter indeed signed the credit application with her signature being a joint user. Then I will disappear, BUT if they can not find the document then I want them to take my daughter 's name off my credit card. It seems to me that they do not have the actual application and they put my daughter on my account as a joint user. That was not MY intent! 
It is only fair that they produce this very important document.
Consumer complaint received 2021-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I've been contacting Transunion off and on for a while now regarding errors on my account. I currently have some accounts on my report that do not belong me and needs to be deleted.
Consumer complaint received 2020-10-27
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: National Credit Adjusters, LLC (TX)

Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible.

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Experian consumer report the negative item was never removed from my experian credit report theirs is a federal trade commission identity theft report on file please have experian remove the negative item ending in XXXX social security number is XXXX
Consumer complaint received 2023-04-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (MI)

On or around XX/XX/XXXX, I received a notice of writ of garnishment against my wages, although I was currently on a payment plan paying {$50.00} per month and had made my payments on time, in which the payment plan was set up in XXXX through the companies website and confirmed and they started deducting on an Auto Pay schedule. The amount listed on the writ of garnishment was {$730.00}, the amount reflected on their website was {$550.00} I believe. I called Midland regarding the garnishment and was told that they would file a release of garnishment since I was indeed on a payment plan and current on my plan. Two weeks later I called back to Midland to find out if the garnishment had been released ( since my payroll was due to garnish the full amount of the writ on XX/XX/XXXX ) I was told at this time that the garnishment release had not yet even been signed by the attorney ( in which I was assured it would be at the beginning of XXXX when I called the first time ). On XX/XX/XXXX another payment was taken via Auto pay of {$50.00} from my husbands checking account. I called to find out about the release again and was told it had not yet been processed. At this point it was too late to have the garnishment released in time not to be pulled from my upcoming paycheck, I spoke with a gentlemen and he agreed to stop my autopay of {$50.00} per mo since I knew at this time I would be way over paid when my XXXX funds reached there office. I received a notice from my employer that the full amount had been deducted for the XXXX {$730.00} - I called today XX/XX/XXXX to find out if the XXXX was ever released, additionally, if my funds had been received in their office yet, and what the process is going forward due to this oversight ( XXXX ) - I was told since my payment plan was cancelled I now owe them {$600.00} because I no longer qualified for the discounted amount ...... I was never told this when my payment plan was cancelled. Not only did this company submit a garn for well over the amount due, continued to collect monthly payments, now they added an additional {$100.00} or more dollars to my debt which I will have no choice but to pay since my garnishment funds will be well over what I owe. I feel this is deceptive practices, they continued to collect while submitting a garnishment taking them over 25 % of my income, and now refuse to honor the payment plan amount that I was never late on until they garnished me.
Consumer complaint received 2022-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: GOLDMAN SACHS BANK USA (TX)

REFERENCE APPLE CREDIT CARD GOLDMAN SACHS SS # XXXX On XX/XX/XXXX I disputed a charge of {$52.00} from XXXX XXXX We never received the goods so we disputed like any other consumer would. It has been over 45 days and still no feedback. Apple credit card has suspended 2x cards for no reason and can not tell me why, they can give me a credit card increase limit with my perfect credit score of XXXX. Apple makes no sense. I need my {$52.00} back to my card that I do not owe. As well stop suspended my credit cards for no legitimate reasons. 

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX TX XXXX XXXX
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXXXX/XX/2023. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-01-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: SYNCHRONY FINANCIAL (SC)

On XX/XX/XXXX I initiated a transfer of {$10000.00}. from my XXXX Account to Syncrhony Savings. According to transaction number XXXX this transaction was completed on XX/XX/XXXX. 

I saw on XX/XX/XXXX & XXXX on my Synchrony Mobile App that the amount was pending. By XX/XX/XXXX, the amount was no longer pending to my account and NOT credited. 

I have been back and forth between XXXX and Synchrony as to where my money is. XXXX says they can not issue a reversal or stop payment because the transaction is complete and Synchrony says they have not received the payment ( even tho from my mobile app I saw it pending on XX/XX/XXXX & XXXX ). 

I have submitted a claim with you for XXXX but in case the issue is with Synchrony, I am also submitting XXXX with you for that.
Consumer complaint received 2020-10-27
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. (NJ)

The reporting agency experian has not thoroughly investigated fraudulent accounts on my credit report. They have not provided any proof during their investigation that these accounts belong to me. Therefore they are hurting my ability to obtain new credit offers.
Consumer complaint received 2024-02-02
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind.
Consumer complaint received 2021-08-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: UMB FINANCIAL CORPORATION (IN)

I have been trying to withdraw funds from my account but they put a withdrawal restriction on the account since last XXXX ... I filed a previous complaint about this but you refered me to FINRA but after awhile they advised me to submit another complaint with you because the problem is about my right to withdraw funds I deposited to my account
Consumer complaint received 2017-09-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP (NV)

Refer to case XXXX acct no.ending XXXX case no. XXXX About US bank, they insist that they received money orders XXXX XXXX ) that they sent to " originating bank '' and that returned to their bank marked as in stamped counterfeit and spoke over presumably recorded phone line that they would either mail or provide in person else-wise submit the said money orders to help to verify their claims and therefore to find the culprit to be held accountable and kept responsible for allegedly counterfeiting united states postal service money orders. Eye am asking for the money orders signed over to my good and legal name to be returned to my possession so that eye may follow-up with US Bank 's suggestion that eye contact the CIA and the FBI to refer their practices for investigation. They also told that would be sending a cashier 's check regarding any foreseen positive balance that has instead been made into an impossible negative one. Peace
Consumer complaint received 2022-04-07
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. (NV)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 2020-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc (HI)

I was enrolled in PayPal XXXX  and making use of it. All of a sudden, last night, all of my linked credit cards were no longer linked to PayPal XXXX. At first, I thought maybe this was due to system maintenance so I waited until morning. However, nothing had changed so somebody removed all of my cards linked to PayPal XXXX  without my consent. PayPal could not provide me with an explanation. They gave me case ID number XXXX. Later on, I tried asking customer service to check the status of my case and the agent told me that case ID number does not exist. How can this be? I even confirmed the number as I wrote it down. Also, I am supposed to be able to delete a XXXX and create a new one. I can not do that either. On top of that, they always call me when I am asleep at like XXXX in the morning. When I try to call them back, I can never get through or the phone line automatically hangs up on me. Nobody at PayPal seems to care enough to help me fix this problem. They just blame other departments or transfer me to another team. I am really tired of this running around in circles.
Consumer complaint received 2021-12-28
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. (GA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2022-08-13
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)

Equifax refuses to remove an unauthorized account from my consumer report. They refuse to follow the fair credit reporting act. My rights are continually violated. Pursuant to 15 usc 1681i, they have not conducted a proper investigation. Instead, they allow the fraudulent creditor to make the decision of whether they want to delete the fraudulent account or keep reporting. 15 usc 1681i states that the credit reporting agency is required to conduct an investigation with consideration to the information I provide, and make an impartial decision. Equifax is not acting fairly towards me nor are they protecting my privacy. 
Equifax is reporting two different credit scores as on XX/XX/2022. They are reporting a XXXX as well as a XXXX. This is a violation of the Fair Credit Reporting Act. Equifax recently lost a lawsuit for this same practice and continue to violate consumers with this illegal practice. Equifax is also allowing an unauthorized creditor to report two accounts with the same information, on to my credit report. This is another violation against my consumer rights. Equifax obtained no permissible purpose for these unauthorized accounts, and are allowing companies to pay them and cause harm to me and with no regards for my life or future.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report. 
XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX Balance : {$560.00}
Consumer complaint received 2020-10-27
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)

Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on TransUnion for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and remove this immediately in my report : BANK XXXX XXXX XXXX
Consumer complaint received 2023-04-01
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)

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 
Item Number Company Name Account Number CommentsUnder the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.