davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/XXXXXXXX XXXX XXXX I settled my TJX Rewards MasterCard Account with XXXX XXXX, XXXX. 

The Balance at the time was {$6400.00} and we settled at {$2500.00} over XXXX monthly payments of {$100.00}. We sent payments monthly for XXXX, XXXX, XXXX and XXXX of XXXX  and then in XX/XX/2022 we received noticed that XXXX XXXX  could no longer honor the settlement because they no longer had it in their office. 

This obviously made no sense to me because we had an arrangement in place that was taken care of and then out of no where it's no longer in place? That is incredibly unfair! 

I tried reaching out to XXXX XXXX but they told me they could not do anything and that it was Synchrony Bank 's decision to " re-call '' the account.
Consumer complaint received 2022-08-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2021-09-16
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)

I recently noticed on all three of my consumer reports that XXXX XXXX is reporting negative remarks that affects my credit score negatively. I sent a request to validate the information they are reporting to the consumer report agencies mid XXXX. On the XXXX of XXXX I received a response from XXXX stating the loan listed was transferred. XXXX XXXX violated 15 USC 1692d ( 1 ), furnishing this negative item on my consumer reports is ruining my reputation, and it is defamation of character.
Consumer complaint received 2022-06-30
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)

XXXX XXXX XXXX XXXX XXXX   XXXX XXXX age of account XXXX XXXX. $ XXXX-in Collections. 
IN accordance with the Fair Reporting Act 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 : States a consumer reporting agency can not furnish a account without my written instructions..
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

All consumer reporting agencies are reporting inaccurate and obviously unverifiable information under two accounts on my consumer report. The two accounts being reported with inaccuracies are for XXXX XXXX XXXX as the names listed on each account is " XXXX XXXX XXXX '' ... this is NOT my name. As such, all consumer reporting agencies are reporting inaccurate and obviously unverifiable information in connection to an alleged debt. Because inaccurate and obviously unverifiable information is being furnished, per consumer reporting law 15 USC 1681i ( 5 ) " an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. ''
Consumer complaint received 2022-09-21
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 rights 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. 

ACCOUNT : XXXX XXXX XXXX XXXX Account XXXX Open Balance : {$4900.00} Date opened : XX/XX/2021 Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Phone : ( XXXX ) XXXX
Consumer complaint received 2022-06-30
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. (PA)

I had notified the credit bureaus of this unauthorized inquiry on my report. I never gave the consumer reporting agencies consent to give this debt collector my information. This is violating my rights.
Consumer complaint received 2019-05-03
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. (MO)

I'm constantly finding myself fighting to redeem my identity back. My identity has been compromised and now there's many unauthorized accounts on my report, and the 3 major credit bureaus are continuing to report these accounts without any certified physical documentation. I'm demanding that these accounts be blocked immediately and permanently from my credit data. The accounts are, [ 1 ] XXXX XXXX {$4500.00}, [ 2 ] XXXX  XXXX {$680.00}, [ 3 ] XXXX XXXX {$72.00}, [ 4 ] XXXX XXXX  XXXX  {$71.00}, [ 5 ] XXXX   XXXX {$30.00}, [ 6 ] XXXX XXXX XXXX {$680.00}, [ 7 ] XXXX   XXXX XXXX {$140.00}, [ 8 ] US Dept of Education/XXXX {$3800.00}, [ 9 ] XXXX XXXX XXXX, [ 10 ] XXXX  XXXX XXXX, [ 11 ] XXXX XXXX
Consumer complaint received 2022-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC (MD)

Indigo Credit Card closed my account for not using it - I was fine and happy its the lowest card I have I dont even use - All of a sudden I see a bill, fees for there horrible annual rate {$100.00} and a late fee???? How why did they feel to reopen this account to charge me money! I refuse to keep them and pay they lied and abused credit terms after cancelling me
Consumer complaint received 2022-06-26
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. (NC)

In accordance with the Fair Credit Reporting act XXXX 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 2022-06-26
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. (IL)

In accordance with the Fair Credit Reporting Act XXXX  Account, XX/XX/22 XXXX XXXX XXXX in the amount of {$1600.00} and XXXX XXXX XXXX ON XX/XX/22 in the amount of {$360.00} 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 an account without my written instructions.
Consumer complaint received 2019-05-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (TX)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2022-06-07
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. 

My name is XXXX XXXX. I have reached out to all of the three Credit bureau : XXXX, XXXX, Equifax several times nothing has changed. I would like all listed fraudulent accounts to be removed as soon as possible.
Consumer complaint received 2021-09-15
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. (DE)

Unauthorized hard inquires on credit file. Submitted report and inquiries still on file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX
Consumer complaint received 2022-06-30
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. (NY)

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-15
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 was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified. 

Please see attached copy of my letters sent to the credit bureaus.
Consumer complaint received 2022-06-06
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

In accordance with The Fair credit reporting act XXXX account number XXXX has violated my rights. 
15u.s.c1681section 602A. States I have the right to privacy 15 u.s.c 1681 604A section 2 : states a consumer agency can not furnish a account without my written consent
Consumer complaint received 2022-06-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Please see attached identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have repeatedly ignored my verified claims. They are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Consumer complaint received 2021-10-30
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. (PA)

XXXX XXXX XXXX is violating my consumer rights. They violated my privacy and committed fraud by receiving my personal information from another party and attempting to collect an alleged debt which I do not owe. They have then furnished my information without consent and defaming my character with this negative account.
Consumer complaint received 2022-06-30
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. (MA)

Hello, the Two XXXXXXXX XXXX XXXX  accounts that are reporting are fraudulent. Please remove them. I noticed that Experian said it was verified. But the Creditor never sent out any letters to me over 120 days or more. I have called them and never got a valid answer stating that the debt is valid. This is fraud! I feel threaten for my life! 

CONSUMER RIGHT LAWS In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-06-07
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. (CA)

I SUBMITTED A COMPLAINT THROUGH CFPB PORTAL ON XX/XX/2022 RECEIVED A RESPONSE FROM EQUIFAX COMPLAINT NUMBER BEING ( XXXX ) According to the company Equifax response they stated the account/s that are currently reporting on my consumer file were XXXX XXXX, in which this company Equifax stated they have verified belongs to me. Second account being XXXX XXXX XXXX, Equifax stated that it shows in their systems that I have previously tried disputing the account and the Third account being listed as XXXX XXXX XXXX  where Equifax stated in response that has also been previously disputed by consumer. Based off of the response from the company Equifax response they have admitted to being in violation of the FCRA15 usc 1681b PERMISSIBLE PURPOSE OF THE CONSUMER REPORTS ( a ) IN GENERAL Subject ( c ) any consumer reports under the following circumstances and no other : ( 2 ) In accordance with the written instructions if the consumer to whom it relates. I have never given the CREDIT REPORTING AGENCY Equifax written consent to furnish a consumer report on my behalf. According to the company response Equifax has admitted to being in violation of AGGRAVATED IDENTITY THEFT PURSUANT to 18 USC 1028A. Equifax has knowingly transferred, possessed, or used, without lawful authority 's means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability 15 usc 1640. Under the FDCPA this agency were supposed to notify me of this in writing 5 days prior, I was not. As the original creditor only I can validate this debt. Therefore, the following accounts must be deleted from the report.
Consumer complaint received 2021-03-06
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. (CA)

Equifax continues to report inaccurate information even after original creditor requested removal. I have made multiple disputes to have this removed. On XX/XX/XXXX XXXX XXXX  requested all three credit beauros to update the XXXX XXXX Credit card as paid in full and remove 4 late payments dated XXXX. XXXX  and XXXX  complied with the request however Equifax has not. On XX/XX/XXXX I filed a dispute through Equifax online dispute center. I provided the affidavit with the request to correct the derogatory account and remove the reporting of late payments from XXXX. I received the results of the dispute on XX/XX/XXXX and the information had not been updated to correctly report the information. Additionally, I filed a report with the Consumer Financial Protection Bureau. Equifax  responded to the dispute stating that they would investigate and update the information accordingly. They have yet to update. On XXXX XXXX they updated the account still reporting the innacurate information of 120 day late payments from XXXX. 

Your Desired Resolution : This information on my credit report needs to be corrected immediately. It is currently preventing me from getting a home loan. It is an absolute failure and is placing an undue amount of distress on myself and my family. Equifax must remove late payments dated from XXXX on the XXXX XXXX XXXX credit card .

This case will be reviewed by a complaint specialist at the XXXX  XXXX  XXXX, and then forwarded to the business for their response. It is our policy to allow the business 30 working days to respond to your complaint. You will be notified when the business has responded.
Consumer complaint received 2022-06-07
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. (VA)

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

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

In accordance with the Fair Credit Reporting act 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 2019-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (PA)

I opened a debit card account with Wells Fargo and somehow they turned it into a credit card account. I never wanted a credit card account nor did I ever agree to open a credit card account. 

I never realized until recently that I turned into a credit account. I never filled out any forms to open a credit account. 

Also, as a debit card account I would place my money into the account and use it for purchases. When they turned it into a credit account, they started it with my own money.
Consumer complaint received 2021-03-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

They cancel your autopay options and then do not notify you of account changes, this has happened multiple times. 

I have the money to pay in my bank account ; I put all the loans on autopay and expect to have the money withdrawn. They will pull a loan off autopay with no notification, no call, email, or letter. 

They want you to go in forbearance so they can charge more interest and fees ; even when making SEVERAL years of on-time payments in full. 

Very dangerous place to pay back loans!
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX ), XXXX XXXX XXXX  XXXX XXXX ) has violated my rights. 


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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/XXXX I requested statements for my auto loan for year XXXX. Representative assured me they will be sent within 5-7 business days. Two weeks later i had to call back and they were unable to send me the request due to error of last representative. New representative is again unable to send me statements for XXXX since all my banking was online. My auto loan was through Suntrust and since the merger with Truist, they have unable to comply with my requests.
Consumer complaint received 2022-06-07
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: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX I sent written correspondence via Certified U.S. mail to JPMCB - Auto Finance requesting that they delete 3 inquiries on my credit reports considering that I did not authorize anyone employed at JPMCB - Auto Finance to make any inquiries, or view my credit report. This is a blatant violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, as I did not personally submit an application to JPMCB - Auto Finance bearing my signature. 
The three inquiries : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-07-28
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. (CA)

I received a copy of my credit report and I noticed hard inquiries that I do not recognize. XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX