davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I initially requested to Experian to investigate information on my report that I felt was inaccurate in XX/XX/2022. I never heard from them after sending my request via certified mail, ensuring they did in fact receive my request. I sent another certified letter to Experian in XXXX requesting Experian to please look into my credit report and investigate inaccurate information. I still did not hear back from Experian. I then filed a complaint with CFPB about XXXX and I finally heard back from Experian. While an explanation was received, I still had my rights violated. I had to wait well past the 30 days required to have an investigation completed for my request. 

According to the Fair Credit Reporting Act, Experian 's role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source, and notifying them of the dispute and disclosing all relevant information regarding MY dispute. When Experian contacts the furnisher or vendor, they require vendors to verify all of the information regarding the item I disputed and report back within 30 days of the date that Experian received MY request ( 21 days for Maine residents ).
Consumer complaint received 2020-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/2020 I have contacted XXXX, Transunion, and XXXX to let them know that the addresses on my report were not mine. They stated they could not fix that for me at this time. Also, Inquiries that were on both my reports I had explained to them I do not have any accounts with them and that I never gave the people permission to use my information. They again stated to contact the companies to have them removed. I had contacted the companies and no information is in their system to show I have any account with them. Also, with XXXX  my name for under known alias is wrong and for my middle name they put XXXX instead of it being an XXXX. I have already filed a complaint with the Federal Trade Commission too.
Consumer complaint received 2023-12-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANNER CORPORATION (CA)

I opened a checking and a savings account. Each account was to receive a {$100.00} bonus for deposting {$1000.00} and maintaining for 60 days. The bonus was to have been paid within 30 days of the end of the 60 day period. I sent an email to customer service and they confirmed I had done everything I needed to do to get the bonuses which I never received despite several emails. 

" Thank you for reaching out regarding those account bonuses. We sincerely apologize for any confusion regarding this. I am glad to say the accounts are on track to receive the bonus. '' - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- - Apparently this bank tried to change the terms on the promotion several months AFTER I had already opened the account. For some reason they think they can retroactively unilaterally apply a change to an account opening bonus ageement months after it was opened. The bonus I was offered was as stated which was deposit {$1000.00} and maintain for 60 days. They have a new bonus that's maintain for 90 days but that's not the bonus I signed up under. 

So both my checking and savings had the {$1000.00} balance since XXXX and should have received the bonuses on XXXX or within 30 days of XXXX. It is now XX/XX/XXXX and I've received nothing ( 34 days since all requirements were completed ).
Consumer complaint received 2020-08-21
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (AZ)

Initially my home care card credit limit was dramatically reduced causing my score to plumint approx. 28 points. I made a huge payment to the balance owed making the card usage around 33 %. When they reduced the limit it took the card to over 90 % usage which dropped my score. 

I received an alert on my credit this week that they have decided to close the above mentioned care swell as my car care credit card making my credit drop another 36 points. In total my credit has suffered over a 60 point drop at the hands of this creditor. How is anyone supposed to improve themselves and their financial standing if the creditors are aloud to make changes that negatively impact scores. Especially since I have not missed a payment with this creditor or any creditor to warrant such actions.
Consumer complaint received 2020-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my report as soon as possible XXXX XXXX XXXX {$25000.00} XXXX XXXX {$660.00} XXXX XXXX XXXX {$660.00} US DEP ED XXXX {$1600.00} XXXX XXXX {$1000.00}
Consumer complaint received 2022-10-31
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)

ive sent letters to dispute this fraudulent id theft account : XXXX XXXX XXXX XXXX. ive been sent letters about this id theft account on XXXX, XXXX, XXXX and ive even disputed this account over the phone multiple times and they still havent deleted this XXXX XXXX XXXX XXXX account. 

XXXX, XXXX and transunion are reporting fraudulent information on my report identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.- its been more than 4 months and they havent removed it, i also made a FTC report for this account and sent it to XXXX, XXXX and transunion and still nothing According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX, XXXX and transunion are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. - ive asked them to verify XXXX account and send me a signed contract and they have never sent it its been more than 90 says Under the FCRA, unverifiable accounts must be removed. I also contacted XXXX  and the agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 14 days prior I was not. I can only validate this debt. I do not wish to validate this debt.

According to the Fair Credit Reporting Act, Section 604 Under 15 U.S. Code 1681 ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate. I never gave permissible purpose for you to report this account on my report. XXXX account can not be accurate since its an identity theft account and it also is not accurate therefore it must be deleted, also its reporting as 120 days late on XXXX, XXXX and 120 days late again on XXXX XXXX that is impossible to be 120 days late 2 times in a row. another inaccuracy it must be deleted for These are multiple rights that XXXX, XXXX and transunion are violating and reasons why this XXXX must be deleted. 

Also there is unauthorized inquires reporting on my credit that i never gave permissible purpose for 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 I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.
Consumer complaint received 2024-11-26
Product: Credit 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: SYNCHRONY FINANCIAL (NY)

I placed and paid {$3500.00} on bottega veneta online store on XX/XX/year> and they shipped order with XXXX. First delivery I was not at home but my family member are home but XXXX said my package requested direct signature, only me can sign the package so XXXX take the package and left door tag on the mailbox. Then the next day I saw XXXX truck didnt stop at my address but tracking information said customer was not available for delivery. Then the next day I was not at home because I need work. And XXXX give my package to someone and signed it. Until now I still not get my package and I didnt know who did sign the package. But XXXX said only me can sign the package right? They why let someone sign it in the end? and XXXX delivered picture is a doortag on the mailbox, it doesnt make sense. I file police report too and send to PayPal. But they not really give a help. Hope can get help from CFPB. Thank you so much
Consumer complaint received 2024-09-13
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: EQUIFAX, INC. (TX)

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : [ XXXX XXXX XXXX XXXXXXXX ] Account Number : [ XXXX ] Date of Charge-Off : [ XX/XX/year> ] It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 

The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

On XX/XX/2024 at XXXX, XXXX Customer Advocate XXXX XXXX stated via voice-mail that XXXX would provide a one time courtesy to amend our credit report if we provided proof that payment was initiated on or before XX/XX/2024. We provided proof via email to XXXX, attention XXXX XXXX. I also left x 3 voice-mail messages to escalate our request to XXXX XXXX for review and resolution. Please assist us with communicating our concerns, NO one has responded via email or phone. Thank you.
Consumer complaint received 2023-08-04
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: Experian Information Solutions Inc. (TX)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-11-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (MA)

The is collection agency noted on my credit report namely CAINE & WEINER who purchase account balances from various large insurance companies in this care XXXXXXXX XXXX XXXX 

Problem number XXXX : I do not owe money to XXXXXXXX XXXX XXXX company. I had cancelled the policy with XXXX due to unsatisfactory with their products and misleading advertisement. 

Problem number XXXX : I have not receive XXXX letter and/or notification from collection agency, CAINE & WEINER XXXX XXXX.
Consumer complaint received 2022-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (WA)

I received a letter from Online Information Services for a bill related to XXXX XXXX XXXX XXXX. I have never had an account with XXXX XXXX XXXX nor an account with the number listed in this letter. The letter appears to be addressed to " XXXX XXXX XXXX XXXX '' but this address is a residential home, not a company. The letter states that the addressee owes {$480.00} as of XX/XX/2022 for an unnamed service. Further, I disputed the debt on the Online Information Services website but it does not provide any evidence of the complaint I provided ( for ex., it doesn't let me take a screenshot of what I had submitted to show what my submitted complaint states ). 

The debt collection letter is vague on whether it thinks my home is this " XXXX XXXX XXXX XXXX '' entity or who specifically owes this debt, a copy of an invoice for the service that is related to this debt, or when this service occurred. Logging into the Online Information Services website did not provide this information either.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

XXXX Account reported at {$0.00} but delinquent. Account has been dispute numerous times and ignored by dispute agency. Account has already been removed for fraud from XXXX. Company has failed on this account and multiple others to investigate properly
Consumer complaint received 2023-01-20
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. (DC)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-09-13
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: EQUIFAX, INC. (CA)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process.

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-28
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 — Their investigation did not fix an error on your report
Company: FORD MOTOR CREDIT CO. (TX)

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate late payments that remain on my credit report despite multiple attempts to correct the information. The credit reporting agencies and the creditor have failed to provide any documentation or evidence of the accuracy of their reporting, yet they continue to report the inaccurate information on my credit report. 

I have sent multiple letters to the credit reporting agencies disputing the accuracy of the late payments, citing laws such as the Fair Credit Reporting Act and Fair Credit Billing Act. In response, the credit reporting agencies claimed to have verified the accuracy of their reporting, without providing any evidence or documentation to support their claims. 

I have also sent a letter to the creditor disputing the late payments, and demanding the immediate removal of the late payments from my account, as well as the production of documentation such as transactional history, billing statements, and any other documents that the law allows me to request from creditors regarding billing errors. The creditor has failed to respond to my request. 

Despite my efforts, the inaccurate late payments remain on my credit report, damaging my credit score and making it difficult for me to obtain credit or loans.
Consumer complaint received 2023-12-04
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. (TN)

According to the IRS when a debt is charged off by a creditor, it means the creditor has given up on attempting to collect the debt and declared it as a loss for tax purposes. 

When a creditor charges off a debt, theyre required to file a 1099-C form with the IRS, which reports the amount of the canceled debt as income. This means that I may own taxes on the charged-off amount, even though I didnt receive any money from the creditor.
Consumer complaint received 2023-08-10
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. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$25000.00} XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXX/XX/2023
Consumer complaint received 2022-11-25
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. (GA)

This is my 7th 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 alleged fraud or extortion. 



XXXXXXXX XXXX XXXXXXXX Balance : {$130.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$10.00} ; XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX VA XXXX ; XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022
Consumer complaint received 2022-05-18
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)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the XXXX Credit Bureaus was XX/XX/2022 but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to correct immediately : XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX