davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-07
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. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} XXXX XXXX XXXX XXXX XXXX : {$9100.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} XXXX XXXX XXXX XXXX XXXX : {$9100.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2021-09-01
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 (CA)

I recently went into XXXX XXXX to purchase a mattress. While there, an employee offered to check what financing options existed. I was assured that they would just perform a soft pull that would not affect my credit ( I verified with the sales associate multiple times before proceeding ). After the employee was requiring me to verbally give more information than I was comfortable with in the store ( eg annual income ), I decided to pay for the mattress in full in the store. After the purchase, I confirmed again that there would only be a pre-qualification soft inquiry ( if any ) and that there would be no impact to my credit report or score. 

A few days later, I got notifications from both XXXX and XXXX that I opened a credit card with a XXXX limit. I did not consent to opening a credit card. Even if I moved forward with the mattress purchase, I was led to believe it would be through an installment loan. Once discovering this, I disputed it with both bureaus since I did not authorize a hard pull, much less actually opening an account ( I couldn't find a way to see if it were on my XXXX  report or dispute it through them ). XXXX  refused to remove the fraudulently opened account from my report. I haven't yet heard back from XXXX. 

I also tried calling the bank listed on my credit report, but they claimed they " couldn't verify my identity '' because I don't use a traditional carrier for my primary phone number.
Consumer complaint received 2019-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NY)

I submitted a complaint to the CFPB concerning Amex improperly closing my account and confiscating my XXXX points. In response to that complaint, Amex submitted a reply asking me to contact them to discuss my point redemption options. I have contacted Amex no less than 4 times but they are now refusing to give me my points, which is contrary to the letter response to my first complaint. Amex is a dishonorable and crooked company.
Consumer complaint received 2018-03-19
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. (NJ)

This is my XXXX XXXX complaint with Equifax to verify XXXX Account XXXX. 
On XX/XX/XXXX Equifax sends by mail my report # XXXX. 
Equifax states XXXX account is accurate. 
Date Reported : XX/XX/XXXX, Balance : XXXX, Amount Past Due : XXXX / Date of Last Payment : XX/XX/XXXX. / Date of Last Delinquency XX/XX/XXXX / Date Closed : XX/XX/XXXX For the record, I have never made any such payment on XX/XX/XXXX I am requesting Equifax and XXXX to provide PROOF of such payment I have supposedly made to XXXX. I want to see a cashed check or any such payment supposedly I have made. 
Facts, I have XXXX XX/XX/XXXX Bank Statement in which I can send Notarized by XXXX XXXX  that shows I made no such Payment to XXXX on XX/XX/XXXX. 
Facts, Equifax is NOT accuarely verifying any information with Creditor XXXX. 
Facts, Equifax is breaking the Law. 
Facts, The XXXX Account reported is inaccurate and has hurt me Financially and unable to buy a house. 
XXXX account Paid On Time XX/XX/XXXX and Closed
Consumer complaint received 2024-01-22
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)

FRAUDULENT UNIDENTIFIED COLLECTION ACCOUNTS ARE ON MY EXPERIAN ACCOUNTS. 

THESE 3 COLLECTION ACCOUNTS ARE FRAUDULENT AND MUST BE BLOCKED AND REMOVED. 

XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX
Consumer complaint received 2019-03-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

Late XXXX 2018 I was offered 10.65 % on {$10000.00} approval. I shopped for the minivan I needed for work. XXXX XXXX {$6900.00}. sent paper work, then they said they want 15 % so I agreed. 

But actually I'm paying {$3.00} a day for the duration of 5 years, which totals {$3600.00}, with the paper work fees I borrowed {$7500.00} and will pay {$3600.00} in Interest. 


My monthly statement reflects 53 % of each payment goes to interest.
Consumer complaint received 2018-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

This is what I keep getting every time I try to open up a bank account do anything financially Equifax is responsible for the mix up Dear XXXX XXXX XXXX, Thank you for choosing XXXX for your financial needs. 



A review of your application indicates there is a Fraud Alert notation and or Security Freeze on your credit profile. In order to proceed with the application the following information is required : O Placement date and expiration of the Credit Freeze or Alert O Address Verification- copy of utility bill dated within 90 days. 

O Copy of Drivers License ( front and back ). 



We appreciate you taking the time to provide this information. You may fax the requested documents, Upon receipt of the requested documents your application and documents will be reviewed, and you will be notified via email of the decision.
Consumer complaint received 2021-07-06
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. (NC)

Hello there are several unauthorized credit inquiries on my account that I have yet to have verified to be authorized by myself. Many of which are not attached to accounts. 

I am not sure if this was due to data merges as a result of the data breaches or something else. In applying for an auto loan, I only wanted one bank to be reached not several. Also with any bank 's the same applies. Everything else is there with no confirmation of it being mine which Is a problem for me. Please ask bureaus why they consistently seem to break the law when I have yet to see even a contract. 

Per New Credit Act of 2020 section 401 derogatory items need to have agreements or contracts authorized by myself which none of these have. The bureaus refuse to comply with the law. 

Thank You
Consumer complaint received 2017-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank Of America is blood sucking Bank, even after giving me a credit of {$480.00} they again put it back on my Account and Put an extra {$2500.00} which I reported as fraudulent before. What a mean company who just know how to XXXX hard earned money from people, I will not recommend Bank of America to anyone, do not get Credit cards of this company. 

I have attached letters from Bank of America, how they gave me a credit and how they took it back, they charged back all the money from the Merchants and now also want me to give them the money, they are a big game player and big fraud. 

This is XXXX XXXX company and XXXX XXXX is of no help, all the previous discussions, talks, conversations went waste, so go to another banks to get your credit cards and not this Bank, this bank sucks.
Consumer complaint received 2019-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX I got hit with a hard inquiry on XX/XX/2018. I did not make this Inquiry or sign for anyone to authorize this Inquiry. This is fraud and done without my knowledge. I would like this removed as soon as possible. I tried to call The bank and explain to them the situation as I did not want a hard pull for something I did not do. I noticed this once I got a letter in the mail. I also see it on my XXXX  XXXX.
Consumer complaint received 2018-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MD)

On XX/XX/2018, I attempted to obtain my annual free credit report using website XXXX. Although I was able to obtain my XXXX credit report Experian refused to provide report through this site without explanation. I reached out to XXXX  directly and requested an explantion and copy of said report to date XXXX  has refused to provide said credit report or reasons why the consumer can not obtain said report as mandated by law through XXXX
Consumer complaint received 2024-02-16
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (AR)

See previous complaint # XXXX. 

JPPenney credit card continues to charge excessive and unconscionable late fees. Most recent fee was charged because a previously promised additional {$41.00} refund was not done. Further, purchase returns have not been processed and refunded properly, so I did not anticipate a payment due in the first place. 

Also, JCPenney arbitrarily and substantially reduced the credit card available credit from {$4000.00} to {$250.00} without reasonable cause or due process. This directly, immediately and substantially damages my personal credit score, and is resulting in significant financial harm to me.
Consumer complaint received 2022-03-31
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: EQUIFAX, INC. (VA)

I've Contact Equifax For Several Months Asking Them About A Account On My Consumer Report Account # XXXX ( XXXX. XXXX ) It's Been Well Over 120 Days And I Filed A CFPB Complaint Against This Company Because Federal Law States If No Evidence Is Provided Within 30 Days The Account Has To Be Removed From My Consumer Credit File Equifax Is Committing Identity Theft This Company Closed My Complaint Out And Gave Me A " Generic '' Response This Is Unbelievable How Can Equifax Furnish This Account On My Consumer Report And I Never Gave Them Written Instructions Also They Have Failed To Even Send Me Any Contract With My Name On It I Haven't Received Any Valid Proof This " Alleged '' Account Is Even In Fact True This Is Sad That Equifax Is Taking Advantage Of Consumers Making Money Off " Alleged '' Accounts Then Refusing To Remove The Accounts And Also Not Providing Proper Documents I'm Livid With This Company And CFPB Needs To Do Something About It You Can Not Take Your Company Rules Over Federal Law!! I Demand This Account Be Removed Now!!!!
Consumer complaint received 2021-05-22
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: EQUIFAX, INC. (MD)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2020-05-01
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. (GA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXXXXXX XXXX XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2018-06-08
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. (GA)

XXXX reported my account as 30 days late when I made special arrangements, due to a diagnosis of XXXX XXXX and XXXX in the month of XX/XX/XXXX. I have been a customer for 1 year, no issues with payments until I became ill. I contacted XXXX to let them know what my plans were on XX/XX/XXXX, as that is the day my loan is due. 
My payment is XXXX per month. OnXX/XX/XXXX, I paid XXXX on XX/XX/XXXX, I paid XXXX and on XX/XX/XXXX I paid XXXX to be all caught up. When I discovered they had reported me as 30 days late on XX/XX/XXXX, it made my score drop a whopping 100 points. I contacted them and they said they would do nothing. They were following government rules is what they said. I asked what rules they were speaking of I couldn't get a proper answer. I spoke with 3 separate people regarding this issue. XXXX, XXXX and XXXX who was the last person who told me they had to follow government rules. 
He was quite sarcastic and said it was nothing he could do. I ask if I could get a goodwill removal o the 30 day late, he said NO.
Consumer complaint received 2018-03-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

I had been going back and forth with Wells Fargo home equity servicing, which had resulted in a notice of default being filed back in XX/XX/XXXX. when I received notice. i immediately contacted them to request for reinstatement and requested for a payment history and breakdowns due to the fact that it seems that they had the accounts mixed up and they would state that they have their research depart looking into my case and it took more than 2 months to provide the requested documents which turned out to still not be understandable breakdowns which didn't further break down my payments and what junk fees that were not disclosed. which after all of this. I was finally provided a statement in XXXX which is a completely revamped format which provides better breakdowns. but still does not break down charges from initial payments that I had made for the beginning of my repayment process in XX/XX/XXXX till XX/XX/XXXX. for a Fixed heloc. so now after being exhausted with the back and forth over 40+ calls I still think that they owe me for overpaying to reinstate my heloc.
Consumer complaint received 2022-10-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (NY)

I'm making a complaint today because XXXX XXXX XXXXXXXX XXXX  have caused stress and pain on me and XXXX XXXX XXXX XXXX. I can not get any apartment because of what they have put on my credit profile. Furthermore I will explain how me and XXXX XXXX XXXX got here around XX/XX/XXXX. I was looking for places came across a place at XXXX XXXX it was a XXXX bedroom XXXX bath for XXXX the fellow property manager that I spoke with got us into the apartment I paid my deposit because he made it clear that. When me and XXXX XXXX XXXX payed and signed the lease XX/XX/XXXX of 2021 we would not have to pay rent again until XXXX. This gave us enough time to get settled in our job but so on that was actually a lie. We were charged the next day XXXX and at the time my job wasn't all the way transfered from XXXX, NY to XXXX, TX. So this caused me alot of stress they sent notices threatening for us to vacate or they would take me to court we were terrified also FCCPA Section 805 ( b ) states thats a violation and its a XXXX fine. We left now we do not feel we owe XXXX simply because there were alot of things not clear or made clear by the property manager before or after. We signed the lease so on behalf me and XXXX XXXX XXXX we feel scammed.
Consumer complaint received 2018-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

XXXX XXXX Inquiry from XX/XX/2018 Through XXXX XXXX I learned that the above hard inquiry was made in an attempt to get credit in my name. I did not initiate this or part of this request.
Consumer complaint received 2024-03-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (PA)

Transworld System Inc placed this XXXX on my credit report with sending me a 5 day notice. I never had I opportunity to investigate what this debt is all about. Show proof you sent me notice however I know for a fact I never got anything in the mail. This collection must be deleted immediately. 

Account : Transworld System Inc XXXX
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Glacier Bancorp Inc. (MT)

RE : XXXX XXXX XXXX XXXXXXXX XXXX Bank is reporting me as 30 days past due in XX/XX/2022. Not only have I not been 30 days past due, I usually past ahead. I have discussed this with the Vice President as well as the credit reporting officer and they refuse to remove the past due reporting even though I have proven to them that I was not past due. This has caused an over XXXX point drop in my credit score and it is fraudulent reporting.
Consumer complaint received 2018-02-02
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. (NV)

I have hard inquires on my XXXX report, Many I don.t know about the inquires. 

XXXX XXXX 4 times on report from XX/XX/XXXX to XX/XX/XXXX, XXXX 2 times, XXXX   unknown XXXX  unknown XX/XX/XXXX don't know if somebody is trying to use info
Consumer complaint received 2022-03-31
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: Experian Information Solutions Inc. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-31
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. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.