davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-05
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: Experian Information Solutions Inc. (FL)

There has been an incorrect fraudulent balance on an old XX/XX/XXXX account the balance is supposedto be XXXX and permanantly removed from collections. The account got hacked since my socialsecurity and id got compromised and some fraudulent charges were made in the amount of {$2700.00}. I have over 100 hours on the phone with the company and they continue to be non-compliant in helping a customer resolve the matter. This need to be removed immediately as i will not be responsible for charges i did not consent to. And also they have the wrong address on file.
Consumer complaint received 2022-07-05
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: Experian Information Solutions Inc. (MA)

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT
Consumer complaint received 2022-07-05
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. (FL)

n accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX  XXXX Account # XXXXXXXX XXXX XXXX  XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX # XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-05
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. (FL)

n accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX # XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

Experian has many inaccurate information on my credit report that I would like to be removed. Ive reached out the the company and nothing was resolved. I would like for this issue to be resolved.
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my 3rd Attempt with trying to correct information on my credit report from Transunion. None of these account belongs to me. I attached documents showing that all of these iusses must be resolved.
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, Tx XXXX I have previously disputed this item with you US Bankruptcy CourtXXXX XXXX XXXX Case Number XXXX and XXXX and in response they verified the item as accurate, stating that you have verified the information with the court. I have contacted the court and their response is enclosed. It is clear they do not report to you or to any credit bureau for that matter ; therefore, your original response verifying the time with the course was either error or lie. Either way, the reporting requires to not comply with FCRA 611 ( 15 U.S.C 1681I ) and the information must be deleted immediately. 
XXXX XXXX
Consumer complaint received 2022-07-05
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. (MI)

Hello, I have received a copy of my credit report with the intentions of trying to improve my credit report multiple times and take care of myself and my child due to being XXXX. I noticed a few accounts that i wanted a little more information on and did not recognize. I am not saying they are reporting right or wrong. I am just saying that i am not 100 % sure if they are. I also read the Fair Credit Reporting Act where it said by law I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to yall. 

Are you familiar with something called 15 U.S.C. 161i ( a )? I read that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 % right and correct. I also saw on the credit site and board where this lawyer said you have 30 days to complete this investigation.

I AM NOT SURE WHY THE CREDIT BUERAUS CAN NOT PROVIDE ANY PROOF OF THE ACCURACIES OF THESE ACCOUNTS BUT WONT DELETE THEM!! THEY ARE NOT CORRECTLY DOING THEIR JOB. 
THE ACCOUNT NAMES ARE AS FOLLOWS. 

1 ) '' XXXX XXXX XXXX '' -ORIGINAL CREDITOR WAS XXXX XXXX XXXX XXXX BALANCE:XXXX AND WAS UPDATED AS ACCURATE ON XXXX. THIS BALANCE WAS DISPUTED SEVERAL TIMES. 

2 ) '' XXXX XXXX XXXX '' -ORIGINAL CREDITOR WAS XXXX XXXX.BALANCE:XXXX  AND WAS UPDATED AS ACCURATE ON XXXX XXXX BALANCE HAS BEEN DISPUTED SEVERAL TIMES. AS I DISPUTED THIS THE BALANCE DECREASED FROM OVER XXXX YET THEY WONT DELETE IT. 

3 ) '' XXXX XXXX XXXX '' - ORIGINAL CREDITOR WAS XXXX AN XXXX COMPANY BALANCE WAS XXXX $ XXXXTHE BALANCE WAS UPDATED AS ACCURATE ON XXXX XXXX. 

PLEASE HELP ME THIS IS NOT FAIR!! 

In accordance with the " Fair Credit Reporting Act XXXX Account numbers XXXX, has violated my rights. 

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2020-05-25
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2022-07-05
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: Chime Financial Inc (PA)

XX/XX/22 {$330.00} I had noticed a purchase from a company XXXX XXXX XXXX and reached out to my credit company Chime XXXX XXXX and let them know there was a pending purchase happening at the location, and the date and amount I also explained I did not have my card in my possession and when I noticed it was missing I thought it was misplaced until the charge came ; the company said they would investigate and they came to a denial conclusion for my dispute I contacted the company back for an appeal and have not heard back
Consumer complaint received 2022-07-05
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX  Account # XXXX DEPT OF EDUCATION/XXXX  Account # XXXX DEPT OF EDUCATION/XXXX  Account # XXXX DEPT OF EDUCATION/XXXX  Account # XXXX* US DEPT ED Account # XXXX US DEPT ED Account # XXXX US DEPT ED Account # 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 a account without my written instructions.
Consumer complaint received 2020-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: N26 Inc. (FL)

Hello I have {$600.00} stuck with a bank called N26 Checking Account XXXX Name XXXX XXXX I opened the account ... .Read lots of good things about this new type of account online ... 
I deposited only a few {$100.00} per day ... ..And while having the account at most pulled from the atm XXXX per day ... ..there limits are FYI {$750.00} .... 

I have a few college friends who have it and have sent me a few dollars from things owed to each other ... ... OUT of the blue they frooze the account ... .any chance of trying to discuss with them they say funds are frozen I am under investigation ... ..I can't touch the {$600.00} ... ... I said ok ... .Waited 3 more days with out hearing them and they repeated the same blurb ... ... .it 's now been 8 days ... .they have my money no answer and funds frozen .... NOT HAPPY ... ... .Need help XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-05
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. (NC)

My credit report contains information to be excluded from my report based on the FCRA. 
15 USC 1681a ( 2 ) ( A ) ( i ) EXCLUSION : except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; CONSUMER : means an individual.

PERSON : means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

Transaction : Credit Limit Experience : Reporting of Monthly Payments, Utilization and Remarks.

( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Credit Card : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

XXXX, XXXX, AND EXPERIAN my Social Security Card was used to grant extension of credit or money and according to the law my consumer report should contain any account, transactions or experiences where this card was used.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2022-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

US Dep ED 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I have pointed out the inaccurate reporting of this account in the attachment documents below.
Consumer complaint received 2022-07-04
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. (GA)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Consumer complaint received 2022-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) XXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I have pointed out the inaccurate reporting of this account in the attachment documents below.
Consumer complaint received 2022-07-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC (CA)

I bought a solar from XXXX. They transfer my loan to Goodleap. 
I started to pay my loan at 5.99 % all the payments are supposed to be equal {$160.00} Suddenly, in XX/XX/XXXX the difference in payments varied. They moved the principal amount and the interest so it will look the same total amount. 

Here is why I paid on XX/XX/XXXX Outstanding Principal : {$20000.00} Target Principal Balance : {$15000.00} Target Balance Date : XX/XX/XXXX Maturity Date : XXXX/XXXX/XXXX Interest Rate : 5.99 % DUE : XXXX Principal {$62.00} Interest : {$100.00} Fee : {$0.00} Total Payments : {$160.00} This is XX/XX/XXXX Outstanding Principal : {$20000.00} Target Principal Balance : {$15000.00} Target Balance Date : XX/XX/XXXX Maturity Date : XXXX/XXXX/XXXX Interest Rate : 5.99 % DUE : XXXX Principal {$51.00} Interest : {$110.00} Fee : {$0.00} Total Payments : {$160.00} As you can see, it was very easy to change the principal amount and the interest so it will look the same. 
By increasing the interest amount every month, it will be very hard to notice that the principal amount was decreasing very slightly. And the interest for them was overwhelming within the years. 
What a way to increase revenue for the company!! 
The webpage doesn't give you any link where you can complain. 
And also, Goodleap says that it is a third party, but it is Goodleap who sends the invoices and statements. 

Please help, XXXX XXXX XXXX
Consumer complaint received 2024-11-05
Product: Credit 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 (MA)

Dear Synchrony Bank Customer Service Team, I am reaching out regarding a 30-day late payment reported on my Synchrony Bank / American Eagle XXXX account in XX/XX/year>. I was surprised to discover this on my credit report, as I dont recall applying for credit with your store when I made a purchase. I believed I had completed the transaction using my debit card, and as of today, I have not received either a statement or a physical card. 

Since I never received a statement at my home, I was unaware of any outstanding balance. This has led to an unfortunate situation, as I strive to maintain my accounts in good standing and did not intend for a payment to be missed. 

Given the circumstances, I respectfully request that you consider removing this late payment from my credit report as a one-time goodwill gesture. I value my relationship with Synchrony Bank and am eager to continue it positively. Additionally, I would appreciate a refund of any late fees that may have been assessed due to this unforeseen situation. 

Thank you for your time and consideration in helping me resolve this matter. I look forward to your understanding and assistance. 

Warm regards,
Consumer complaint received 2022-07-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-07-04
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. (AZ)

In accordance with the Fair Credit Reporting Act 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  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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.