davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-24
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: SYNCHRONY FINANCIAL (OH)

Following an over 30 minute arguing with a customer service representative to have them give me a monthly " Travel Authorization '' (!!?? ) to be able to use my XXXX 's XXXX, issued by Synchrony Bank, away from my principal residence, on my winter location, I paid the balance in my account and requested them to cancel the credit card which had accumulated a {$130.00} Cash Back Balance. The bank refuses to reimburse me my earned Cash Back reward.
Consumer complaint received 2022-06-21
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: EQUIFAX, INC. (NJ)

These accounts have a lot of missing information in this account and also I do not have any affiliation to them. I want to these accounts be removed due to multiple reporting violations. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX
Consumer complaint received 2019-03-24
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: AES/PHEAA (NY)

4 years ago, I called XXXX XXXX to say why I had late changes on my credit report when I never received a bill or an email or a phone that loan was due until I say them on my credit report.. I have filled through XXXX XXXX to havelate fees removed and many were removed except for one they left. I have filled many complaints with XXXX XXXX to remove this one late fee. They will not remove. 

Please help me Thank you XXXX XXXX
Consumer complaint received 2022-12-04
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. (NM)

I submitted a complaint to Experian on the XXXXXXXX XXXX XXXXXXXX and they have yet to respond. Delete the items I asked them to delete.
Consumer complaint received 2022-09-23
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. (TN)

I was recently checking my credit scores and found some inconsistencies. I also believe the list below has violated my rights to privacy and confidentiality under 15 USC 1681. 

XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  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 states a consumer agency can not furnish an account without my written instructions. 
Please verify that these are my actual accounts and provide me with verified information showing a signature signed by me through certified mail. 
Please also provide me with information showing that I gave the following accounts written permission to furnish my accounts. Please send the following through certified mail to each account.
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (IL)

I already reached out to the credit bureaus and to BARCLAYS BANK DELAWARE and notify them of their error posting of information on my report. I never missed any payment on this account. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " accurate '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report
Consumer complaint received 2019-11-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc. (CA)

MoneyLion offers a credit builder loan of {$500.00} in which you make small weekly payments on to improve your payment history on your credit report. After doing this for a few months I switched bank accounts and attempted to switch the account on my moneylion account to the new one. I was unable to do this and repeatedly tried to contact moneylion so that I could fix it. After multiple emails and phone calls I gave up. Moneylion then reported me as past due and my credit score dropped nearly 200 points. I am still attempting to contact them and still am unable to.
Consumer complaint received 2022-09-23
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

The following inquiries are results or fraud and Equifax has not removed these inquiries from my credit report, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-05-05
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: EQUIFAX, INC. (CA)

There are 2 accounts on my credit report and many inquiries which do not belong to me I have reached out to the bureaus as well as the furnishers regarding this and written dispute letters on XX/XX/XXXX and XX/XX/XXXX and nothing is being done about it I have called and opened up an identity theft report with the bureaus and yet still nothing is being done about it I need help I need these fraud accounts and inquiries which I have not applied for off my credit it is hurting me!!! 

XXXX XXXX XXXX/XXXX XXXX - Acct # XXXX Amt {$400.00} XXXX XXXX XXXX - Acct # XXXX Amt {$180.00} XXXX - Acct # XXXX Amt {$180.00} INQUIRIES Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : CAP XXXX Inquiry Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXXnquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Consumer complaint received 2021-05-04
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. (CO)

On XX/XX/XXXX I went into a XXXX store to buy a new phone and start new service. When they checked my credit there seemed to be an issue so they had me talk with a person on the phone to verify my identity. He asked me many questions about previous addresses, cars, acquaintances, wife, etc, most of which WERE NOT ME. There was only one question that reflected me " what color was your XXXX XXXX XXXX XXXX. All the other questions had NOTHING to do with me. Because of that, my credit was rejected. I have a credit score of over XXXX, nothing delinquent. I live within my means and do not spend or charge more than I can afford. Now I am worried about identity theft. I have spent most of the day on the phone with XXXX  trying to correct this.
Consumer complaint received 2022-09-23
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)

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

XXXX5 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 2022-09-23
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)

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 2021-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westcreek Financial (MI)

Went to a XXXX XXXX XXXX XXXX XXXX to have some front end work done only applied for snap credit and was approved to pay for the repairs later I discovered I was charged for some rims and tires through West Creek Financial that I never purchased are applied for west creek financial
Consumer complaint received 2022-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation (GA)

I am calling about a discrepancy on my credit report with the following company XXXXFortiva They have updated the report like they received payment and when I called the company and spoke with XXXX XXXX. She said that I am in bankruptcy and they can not remove the account. I explained to the lady that I am not in bankruptcy and was trying to settle to get the information removed from a credit report. I was unable to get any resolution for them. This is preventing me from getting a mortgage so I want the account removed from my credit report. The account is 6 years old.
Consumer complaint received 2021-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

there are a couple of things being reported incorrectly : 1.My account is not being reported to XXXX  as it is to XXXX  and Equifax 2 . High Credit : {$430.00} is not being reported to all agencies 3. Date Opened : verification needed as different dates are being reported to all agencies 4. Date of Last Payment : is not being reported correctly, please verify 5. Credit Limit : {$400.00} is incorrect as there was a recent increase 6.Two-Year payment history is not being reporting correctly, as company agreed to delete late payment error, plus its showing 30 day late different per agencies ex : XXXX and/or XX/XX/XXXX different agencies are reporting different dates
Consumer complaint received 2022-09-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (TX)

This account is in direct violation of 15 USC 1692g I was not notified of ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed and 3 within 5 days of the initial communication. The next time I contact you I will be sending an Affidavit notarized with an invoice and exhibits and violations you have broken by placing this consumer report on this account.
Consumer complaint received 2022-09-23
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)

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
Consumer complaint received 2021-05-04
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (TX)

Since XX/XX/XXXX I was offered an option to postpone payments due to pandemic. I accepted a six month extension which expired in XXXX. Since XXXX I have been attempting to process this loan modification documents with no success. Every time we submit documents, there is always a discrepancy found. Either a missing signature, we did not sign correctly and so on. They were kind enough to send their notary public and still the documents were declined. Up to this day XX/XX/XXXX we are still waiting for approval of these documents.
Consumer complaint received 2022-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Over a year my banking has been used debit cards credit cards loans. XXXX XXXX had tons of fraud on my accounts they closed due to fraud and someone out of us trying to deposit funds it continues to happen I recently found out I was part of XXXX breach it said 5 breaches I gave letters my medical records were taken my mortgage company sent me a letter u was compromised. I have loans and credit cards not mine I have a claim number for breach its ruining my life my credit my banks been compromised.
Consumer complaint received 2022-09-23
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: Credit Karma (LA)

Credit karma gave me a pre approval for a laf and credit cards when I applied I was denied and it hurt my credit score couldn't get a house or car because of the low credit score raised my interest on my insurance
Consumer complaint received 2020-07-25
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: BARCLAYS BANK DELAWARE (GA)

Back in XXXX of 2020, I received my credit card bill for my Barclays credit card. I noticed there were two charges made on XX/XX/XXXX that were not mine. One purchase was made at the XXXX, GA XXXX XXXX store with the total being {$810.00}. The other purchase was made at an undisclosed jewelry and repairs store in XXXX, GA with the total being {$1900.00}. Neither of these purchases were made my me and no one other than myself has access to this card. I disputed the charges to Barclays. 

A few days later, I received a letter from the company saying the charges were being investigated and had been taken off my account for now. A few more days passed before I received another letter stating that the charges were mine and I would have to pay both of them. The charges were then reapplied to my XXXX credit card bill. After calling the company to investigate, I decided to file a police report for identity theft as well as file a claim in the Federal Trade Commissions ( FTC ) 's Identity Theft website. I filled out the documents and faxed all of them to Barclays once more as instructed on the FTC 's website. After calling Barclays, I was told to wait for them to investigate. Today is XX/XX/2020 and I was just told that those charges are mine and I would have to pay for them. 

I am not sure what more evidence to provide that these charges are not mine.
Consumer complaint received 2021-05-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (PA)

I initiated a transfer from my bank, XXXX XXXX, on XX/XX/XXXX to my Venmo account. According to my statement, the funds were debited from my account on XX/XX/XXXX. 
The funds are still not available today at Venmo XXXX. My understanding is the ACH transfer should take a couple of days at the most. Vemno said it would be available XXXX. When I called them they gave me a song and a dance. SHouldn't they be processing these transfers quicker? Seems like the ol' float game to me.
Consumer complaint received 2020-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: RENASANT CORPORATION (TX)

I have an inquiry on my XXXX report that I did not authorize. I am a victim of identity theft. The following inquiry was made without my knowledge or approval. 

Renasant Bank XX/XX/2020
Consumer complaint received 2022-06-06
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: Experian Information Solutions Inc. (CA)

This account is under litigation the balance is incorrect I need it closed and removed from my credit report immediately. 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 an account without my written instructions.

15 U.S.C 1692C A. : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2022-09-23
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (KY)

Experian and XXXX deleted a great credit history with XXXX XXXX XXXX # XXXX. It was my car payment. It wasn't due to come off because it was reported in 2012. I have asked Experian several times to put it back on my credit report. They won't do so and I am feeling targeted. I feel like they want to destroy my life with all the inaccurate negative reporting and then they are removing good payment history. Please ask them to put XXXX XXXX XXXX back on my credit report.
Consumer complaint received 2018-12-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (TX)

Paypal stole {$1100.00} from my bank account. This was Financial Aid money that was to be used for my school expenses. I have asked the company numerous times to refund the money that they embezzled from me they have refused. I have also contacted the XXXX XXXX XXXX. Paypal has gone to a collections agency and had no right to do so. The company refuses to dispute the money or to issue a refund for the money they stole. They told the XXXX XXXX XXXX that it was my fault and that I did the transfer.
Consumer complaint received 2021-05-04
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. (PA)

I have reviewed a copy of my credit report and I show company XXXX XXXX XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2020-06-04
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. (FL)

I CHECK MY CREDIT AND I CANT BELIEVE WHATS GOING ON WITH MY CREDIT I DID NOT AUTHORIZE THESE ACCOUNT IN ANY WAY I WANT A FRAUD ALERT ON MY CREDIT FILES I REFUSE TO BE A VICTIM OF IDENITITY THEFT I WANT ALL OF THESE FRAUD ACCOUNT REMOVED AND BLOCK FROM MY CREDIT FILES THANK YOU