davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-30
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been disputing these items on my report that I don't recognize, I don't have any dealings with them so this time I'm seeking help from the FTC to get these things removed from my credit report. This is now being investigated by the FTC so I hope the credit bureau would also cooperate.
Consumer complaint received 2022-06-25
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: SYNCHRONY FINANCIAL (GA)

On XX/XX/2022 I received an alert from XXXX XXXX that a new credit card was opened under my personal private information with SYNCB/Paypal Credit Card with a {$300.00} credit line. XXXX XXXX was the only credit company that was not " Locked/Frozen '' because I am in the process of applying for a new mortage. During this short amount of time XXXX XXXX was not Frozen, this is when the fraudulent account was opened. I have not been opening or using credit to keep my credit score up. This fraudulent action also lowered my credit score. I tried reaching out to Synchrony Bank and Paypal but I dont have or know any information associated with this account so it did not get me anywhere. There was a local address and phone number associated with this new fake account and the phone just rang. I would like an investigation into this matter as this is now on my credit report and has caused problems now saying that I owe a balance of {$280.00} and I do not know what it is for. Definably not from me or anyone that I know.
Consumer complaint received 2022-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX and XXXXXXXX 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 2022-06-25
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. (OK)

I RECEIVED MY CONSUMER REPORT AND I FOUND INACCURACIES ALL OVER THE REPORT AND I WANT THEM DELETED IMMEDIATELY LISTED BELOW WITH INACCURACIES SHOWN. 

XXXX COLLECTION BALANCE XXXX XXXX ACCT # XXXX, SHOWING OPEN ACCOUNT, OPEN DATE ( XX/XX/XXXX ) XXXX REPORTED ( XX/XX/XXXX ). ( TRANSUNION ). 


XXXX XXXX COLLECTION BALANCE XXXX XXXX ACCT # XXXX SHOWING A CLOSED ACCOUNT ( INACCURATE ) OPEN DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) DATES ARE ( INACCURATE ) ( XXXX ). 


XXXX XXXX BALANCE XXXX XXXX ACCT # XXXX SHOWING A CLOSED DATE ( INACCURATE ) TRANSUNION SHOWING OPEN STATUS. OPEN DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) DATES ARE ( INACCURATE WITH TRANSUNIONS DATES.
Consumer complaint received 2022-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the fair credit reporting act XXXX  XXXX XXXXXXXX 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 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.
Consumer complaint received 2022-06-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (PA)

I closed on a refinancing loan with XXXX XXXX XXXX/BSI Financial Services on XXXXOn that date, {$1300.00} was held in escrow for XXXX XXXX XXXX taxes due XX/XX/XXXX XXXX The amount owed was {$1000.00} by XXXX have a copy of the tax bill. 
In XX/XX/XXXX, I received a certified letter from XXXX XXXX XXXX XXXX XXXX informing me that I owed {$1200.00} for XXXX taxes ( plus late fees ). I immediately contacted BSI as well as sending them a copy of the certified letter. In XXXX, I called BSI and the Tax Claims office almost daily to see if the issue was corrected. Each time I talked to a BSI customer rep., I was assured that it was being taken care of. It wasn't! I asked to speak with someone in finance... I was denied! 
In XXXX, I received a check for escrow overpayment of {$1100.00} which was caused by the failure to pay XXXX XXXX property taxes on my home as well as my land. I had personally paid approximately {$300.00} for my land taxes in XXXX assuming there would be confusion paying the land taxes too. 
My complaint is that I am owed the difference of {$1000.00} and {$1200.00} or {$180.00} for late fees accrued for BSI not paying the owed County property taxes. By law, they are responsible for any late fees and it is not right that they will not meet their obligation!
Consumer complaint received 2022-06-25
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. (TX)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( BANK ) 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 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.
Consumer complaint received 2022-06-25
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 account number : 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 : also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CO)

Subject : Dispute of Credit Reporting Error XXXX XXXX Account To Whom It May Concern, I Will allow No Longer than 20 days for the Negative Remark to be Removed From My Consumer Report before Pursuing Legal Action. 

I am writing to file a formal dispute with the Consumer Financial Protection Bureau ( CFPB ) regarding a credit reporting error related to my XXXX XXXX account. The account is inaccurately reporting a balance of {$33.00} when, in fact, the account has a recorded balance of {$0.00} out of a {$1000.00} limit. This discrepancy is not only misleading but also fraudulent, and I am prepared to file an FTC report to support this claim if necessary. 

Account Information : Account Holder Name : XXXX XXXX Account Number : [ Account Number ] Balance as Per Account : {$0.00} XXXX XXXX : {$1000.00} The credit reporting error in question pertains to my XXXX XXXX account. Despite the account reflecting a {$0.00} balance and being well below the credit limit, it is inexplicably reporting a balance of {$33.00}. This erroneous reporting has negatively impacted my credit score and financial standing. I have attached supporting documentation, including a screenshot of the account summary, to this dispute for your reference. 

I am deeply concerned about the fraudulent reporting of this account balance, which could potentially harm my creditworthiness. In light of this, I kindly request that the CFPB intervenes to facilitate the following resolution : 1. Immediate Correction of Reporting Error : XXXX XXXX must promptly correct the erroneous reporting of the account balance, ensuring it accurately reflects a {$0.00} balance as indicated in my account records. 

XXXX. Cease Negative Reporting : XXXX XXXX should immediately cease any negative reporting associated with this account. Negative reporting, including delinquency or late payment indicators, should be removed. 

XXXX. Confirmation of Corrected Reporting : XXXX XXXX must provide written confirmation to me within 30 days of receiving this dispute and resolution request, affirming that the account has been accurately reported with a {$0.00} balance and that any negative reporting has been removed. 

If necessary, I am prepared to file a report with the Federal Trade Commission ( FTC ) to support my claim of fraudulent reporting. However, I hope to resolve this matter amicably and promptly through the CFPB 's intervention. 

I trust that the CFPB will investigate this issue and ensure that XXXX XXXX complies with the applicable regulations and guidelines governing accurate and fair credit reporting. I kindly request that you acknowledge the receipt of this complaint and keep me informed of any actions taken to address this matter. 


Sincerely, XXXX XXXX
Consumer complaint received 2022-06-25
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: CBC Companies, Inc. (CA)

I was the victim of Identity theft and had several accounts opened in my name fraudulently as well as several attempts made to open fraudulent accounts. 
I have added fraud alerts to my consumer credit reports as well as contacted the creditors of the accounts opened fraudulently. I was recently assured by XXXXXXXX XXXX that account ending in XXXX would be removed or blocked from my reports yet XXXX and XXXX continue to report the accounts and have not blocked them as requested. XXXX XXXX has removed the account as requested.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-06-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I filed a dispute with Bank of America for fraudulent charges on my account from a company that I had not opened an account with. The account was opened fraudulently by an ex that stole my routing and account number to open a new credit account at a XXXX XXXX XXXX store that his friend worked for and helped him open the account. None of the dates on the paperwork from the company where the account was opened match up. My ex even used his debit card to make the down payment and his email address so I would not know anything about the account. Then my checking account was electronically debited repeatedly for the monthly payment. After filing my dispute with Bank of America I was notified that they investigated it and that it was not a fraudulent account because of an electronically taken signature stating my name. They didnt even want to accept any of the documents of proof that I had. Nor did they care that I already had proof through credit reporting agencies that my had indeed opened other fraudulent accounts that were recently taken off my credit report
Consumer complaint received 2022-06-25
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. (NY)

Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which state that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : XXXX Date of inquiry XXXX/XXXX/2020
Consumer complaint received 2022-06-25
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: Experian Information Solutions Inc. (NY)

Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which state that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : XXXX Date of inquiry XXXX/XXXX/2020
Consumer complaint received 2022-06-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (RI)

National Credit Adjusters has a negative inquire on my credit reports. I have no signed contract with the company. As per XXXX and XXXX, the account has been open since XX/XX/2019 for the amount of XXXX. I have no written, electronic, or verbal agreement with NCA. This collections report needs to be removed from my credit report ASAP as this debt is not mine. I have tried numerous times to remove the account but the credit reporting companies are failing me as a consumer.
Consumer complaint received 2022-06-25
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: Experian Information Solutions Inc. (CA)

I was the victim of Identity theft and had several accounts opened in my name fraudulently as well as several attempts made to open fraudulent accounts. 
I have added fraud alerts to my consumer credit reports as well as contacted the creditors of the accounts opened fraudulently. I was recently assured by XXXX XXXX  that account ending in XXXX would be removed or blocked from my reports yet Experian and XXXX continue to report the accounts and have not blocked them as requested. XXXX XXXX has removed the account as requested.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

On XX/XX/XXXX I mailed a letter opting out of said companies reporting personal information to third-party companies such as credit bureaus, and other non-affiliated companies. I am making this complaint because I have gotten no response/effort from the company to comply with my request. In accordance with the fair credit reporting act, This creditor has violated my rights under 15 USC 1681section 602 states I have the right to privacy 15 USC 1681section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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. Account number XXXX XXXX # XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-25
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: Experian Information Solutions Inc. (PA)

It has been a battle going through this and I am writing to delete the following fraudulent 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 Commission 's Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records I, therefore, request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible. Name : XXXXXXXX XXXX XXXX  ; Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX Accounts : XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00}, XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$650.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX Balance : {$1100.00} ; Inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-06-25
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. (PA)

n accordance with the Fair Credit Reporting act XXXX  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 2022-06-25
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. (PA)

n accordance with the Fair Credit Reporting act XXXX  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 2022-06-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synter Resource Group, LLC. (NM)

On XX/XX/XXXX, XXXX delivered flooring material to my home. Shipping costs were included in the payment to the vendor. However, soon after the delivery I started receiving bills from XXXX  for {$350.00} stating I owed because the items were delivered in my home. I called XXXX  to clarify that the pallet of flooring was not delivered inside my home but it was dropped off in my drive way. I was transferred and referred around to several departments before giving up on a resolution. I refused to pay the fraudulent bill. Subsequently a few months later, I started receiving collection notices from Synter Resource Group requesting that I pay {$3200.00}. The most recent notice is dated XX/XX/XXXX. I have tried to contact Synter Group to ask that they stop sending the fraudulent collection notices to no avail.
Consumer complaint received 2022-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am dedicated and steadfast about impressing my credit scores and being better on improving and maintaining a good credit score from now on. On XX/XX/XXXX I sent via USPS via certified mail ( # XXXX ) it was delivered hand delivered and received XXXX XXXX. The letter requested a FULL INVESTIGATION into my credit report. As of TODAY, XX/XX/XXXX nd HAVE NOT had any motion on my request, no reply, no investigation or removal of items. Which is unacceptable and against my rights for a reply of my personal credit report. I am on a fine timeline to get my credit repaired. 

Credit letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern : Under the laws specified I, XXXX XXXX, self and human person ask for investigation and explanation for all accounts entered below. 
Law 15 U.S.C. Sec. 1681i ( a ) ( 1 ) ( A ),! 1681 ( a ) ( 1 ) ( B ) and 1681i ( a ) ( 1 ) ( C ) executes my rights for investigation and extension period for said investigation.

Law U.S.C. Sec. 1681i ( a ) ( 2 ) covers promptness how bureaus must handle notifications Law U.S.C. Sec. 1681i ( a ) ( 3 ) covers if and how you, XXXX and other bureaus determine if a dispute is frivolous or irrelevant. 
Law U.S.C. 1681i ( f ) ( 3 ) states how a CRA notifies a consumer through a reseller and others Type of Account : Bankruptcy : XXXXXXXX XXXX  Please provide proof that its reporting correctly from the Court House and not a third party and delete if anything is incorrect. 


Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Collection Account : XXXX XXXX XXXX Account NumberXXXX Collection Account : XXXX XXXX Account Number : XXXX Paid Account/Late Payments : Account : XXXX XXXX Account Number:XXXX Account : XXXX  XXXX Account Number:XXXX Account : XXXX XXXX  Account Number:XXXX Account : XXXX  Account NumberXXXX Account : XXXX XXXX Account Number:XXXX Account : XXXX Account Number : XXXX Account : XXXX XXXX Account Number:XXXX  Account : XXXX Account Number:XXXX  Account : XXXX Account Number:XXXX  Account : XXXX  Account Number:XXXX Account : XXXX XXXXXXXX XXXX XXXX AccountXXXX Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed I also know I am eligible receive the updated report after you investigate. Also, please let me know who had access to my file. I want the investigation outcome to be sent to my mailing address here : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.