davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-07
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: SYNCHRONY FINANCIAL (FL)

I have had a credit card with XXXX XXXX for 1+ year. I was PUSHED by a sales representative to take out a credit card for them to purchase a couch. I rejected at first because I did not want a high usage ding on my report. The couch was no more than {$2000.00} and it was explained to me that the credit limit would be {$4500.00}. I figured it wouldnt be maxed so not too bad and agreed. Once I got the card, my limit was actually {$2500.00} which meant my usage was MUCH MORE than I thought it would be. Not only did this company get my address WRONG, along with my NAME I was unable to make a payment online because I hadnt received the card. I called them after 2 months of no card and thats when I realized something was wrong. They ended up reporting 2 late payments to the credit bureaus and in turn, made my credit go down. Since my credit went down, they lowered my credit limit to LESS than what I had owed on it. I called eventually and explained please fix this and that they were the reason my credit lowered and finally removed those charges. THAN had the audacity to request a larger limit on my bahalf ( NOT APPROVED BY ME ) and it was rejected which than made a hard inquiry and made my score worse. Now every month after I have made a payment they keep lowering and lowering my credit limit making it IMPOSSIBLE for my usage to go down on this card. This is SUCH BAD PRACTICE. Please advise
Consumer complaint received 2021-06-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (CO)

I had issues with Sallie Mae previously where they " supposedly '' communicated with me electronically, and had changed my payment amount without my knowledge. They finally called me a week before the loans I had were to go 60 days late ( even though the issue was their change earlier than the agreed, and failed to communicate the change ). As a result of that, I constantly have to Decline for the to communicate with me electronically. In this case, working with them they were able to enroll me in a rate reduction program. Well, I have been still struggling to make the payments with this decrease, and now they have sent me a notification that it is about to expire. 
With the new amounts there will be no way that I will be able to make the payments, so I contacted them to ask for assistance. They told me I had no options at this moment. As I asked further their suggestion on handling the situation was to " XXXX ( XX/XX/2021, XXXX XXXX ) : If you are unable to make your payment on the due date in full, I suggest making a payment for the amount you can afford. In the event your loan falls past due by 5 days, at that time our in-house collections team will reach out to you and may offer options that we do not offer in the service department. " The problem with this, is that in order to even get the reduction, they " FORCED '' me to have auto debit so they just pull the payment. So there isn't even an option for me to " pay the amount I can afford ''. To make things worse here, is that since the marked all 3 of my loans as 60 days late the last time, my credit still has not recovered, so refinancing with a better lender is not an option ( and I applied to all of them ). I am really frustrated as Sallie Mae has seemed like a predatory since the start, and it still does not appear to be any end in site for dealing with this company.
Consumer complaint received 2021-06-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (WA)

Account opened without without my permission : SYNCB/PPC XXXX Time Line Account opened prior to XXXX with a {$75.00} membership fee Late charges and interest were charged every month thereafter bringing the total up to {$400.00}. 
Two accounts have been used in this fraud. 
First account XXXX XXXX with an ending balance of $ XXXX Second account XXXX was charged for {$210.00}. XXXX Made it appear like I made a payment. 
Late charges continued. 
I never ask for this account I never received a card I never charged on this account. 
I have challenged it No luck
Consumer complaint received 2023-02-06
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. (NM)

On XX/XX/2022, I sent a letter to the courthouse listed on my credit report asking if they report bankruptcies to the credit bureaus. I received a letter back stating that they do not report any bankruptcies to any credit bureaus. 

At the same time, I sent a letter to Experian explaining to them that I am the victim of identity theft, and asked them to verify the accuracy of the bankruptcy ( Type of Account : BANKRUPTCY XXXX XXXX XXXX CALIFORNIA - Case Number : XXXX ) that is listed on my credit report, as I do not recognize the information. Last month, I received a letter back from Experian stating that they verified the bankruptcy information that is displaying on my credit report. 

I demand to know how Experian verified the bankruptcy as 100 % accurate and as belonging to me. They never did a fair investigation according to the 15 USC 1681 to ensure that the information reporting truly belongs to me.

15 USC 1681 section 603 ( 3 ) ( E ) States : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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.

This inaccurate information reporting on my credit report is negatively impacting my ability to get a job and provide for my children.

I am attaching the correspondence I had with Experian and the courthouse, as well as copies of my previous and current credit reports. I am also attaching the correspondence I received back from the Courthouse listed on my credit report, and the tracking information from the dates I wrote to Experian asking them to investigate the Bankruptcy information on my credit report. I am also attaching copies of my identity so that Experian can identify me fully as the person disputing this information.
Consumer complaint received 2023-01-27
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. (AR)

I have already sent a letter to the XXXX, Equifax, and XXXX Credit Bureaus last XX/XX/XXXX, requesting the verification and deletion of the accounts and information on my credit file which I found to be fraudulent items. Upon reviewing a copy of my updated credit report, the fraudulent items are still reporting on my credit report. I have been waiting for a response from the credit bureaus and yet I received nothing. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act sections 605n, within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : 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 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 XXXXXX/XX/XXXX. Let me remind you that under the Fair Credit Reporting Act section 605b, you are expected to remove the disputed accounts and information off of my Credit File as they resulted due to identity theft. If you claim the items are accurate and verified, send me copies of proof or any documents supporting your claims. If you are unable to provide such documents, I need you to remove the disputed items immediately.
Consumer complaint received 2021-06-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

Portfolio Recover Assoc is stating I owe a debt, that debt is not mine. I requested this removed and no action was taken. 

PORTFOLIO RECOV ASSOC Original creditor : XXXX XXXX XXXX XXXX XXXX 
{$370.00} This is not mine! I never authorized or allowed this.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I have been trying to fix this error on my Experian credit report for over two years. The account has been closed for over three years and Experian credit reporting agency is still reporting late payments on a account that has been closed for over three years and the account was discharged in XXXX XXXX XXXXkruptcy witch was filed XXXX years ago on XX/XX/. I have filed multiple disputes with no resolution. They just took the balance of over {$21000.00} off of my credit report after disputing it over five times. The creditor is reporting the correct information however, Experian is not reporting it on their end. XXXX and XXXX credit agencies are reporting the correct information however, Experian refuses to fix the errors on my credit report. They are blatantly doing whatever they can do to keep this account and a current negative status which is illegal. It is illegal to report a balance or try to collect on a account that has been XXXX in bankruptcy court. This will be my second complaint against Experian credit reporting agency and I have filed over eight disputes for this XXXX account. My next course of action will be a lawsuit against this credit reporting agency if the errors are not corrected. It has been over three years and this is ongoing and hurting my credit score on Experian only. My credit score with XXXX and XXXX is over XXXX and my XXXX XXXX on Experian is XXXX due to this negative account still reporting late payments after the account was closed over three years ago.
Consumer complaint received 2021-06-17
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. (TN)

To all parties involved I have sent requests to these companies listed and have not received any responses. This is very unprofessional and I feel as if my situation has not been addressed properly. I notified these companies that the accounts listed are not mine ; I have been ignored and at 63 days after the fact they must be removed. Again these companies have failed to supply proof under the doctrine of estoppel by silence Engelhardt v. Gravens ( Mo ) XXXX XXXX XXXX XXXX. I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. Again I have reached out and gave a sufficient amount of time for them to rectify this situation and I have not gotten any responses yet. Unfortunately my information was also compromised by the XXXX  Data Breach. Thank you for your assistance in this matter.
Consumer complaint received 2023-01-27
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: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/1968 SS # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX. 
Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : The following information is incorrect 1. Validate And Verify debt XXXX Account Number : XXXX Please remove it from my credit report. 

Please remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-08-23
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. (AL)

My name is XXXX XXXX XXXX and I am a victim of identity theft due to the XXXX data breach. I have a fraudulent hard inquiry on my report that I would like removed. 


XXXX XXXX XX/XX/2023
Consumer complaint received 2021-06-17
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. (MS)

On XX/XX/2021, I mailed a letter to the 3 credit bureaus to remove inquiries I didn't authorize. 

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete.
Consumer complaint received 2023-01-18
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. (AZ)

I have sent multiple letters to the credit agencies informing them to remove the collection from my report since I does not belong to me. I called XXXX XXXX  and they even confirmed they never had me in their systems. 

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.
Consumer complaint received 2021-09-17
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. (CA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-06-17
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. (MI)

The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/XXXX and Several times prior to that. 

Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$9500.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$1300.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account Number : XXXX AMOUNT : {$150.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account Number : XXXX AMOUNT : {$1300.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account Number : XXXX AMOUNT : {$190.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account Number : XXXX AMOUNT : {$480.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account Number : XXXX AMOUNT : {$1100.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  ) Account Number : XXXX AMOUNT : {$1300.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account Number : XXXX AMOUNT : {$840.00} Reason : Account is fraudulent Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-18
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: SANTANDER HOLDINGS USA, INC. (CA)

I am writing to inform you that I am a victim of identity theft. I have recently discovered that several accounts have been opened in my name without my knowledge or consent. These accounts include : A. ) Chrysler capital- Account was opened with my name fraudulently in XXXX XXXX XXXX XXXX XXXX with a balance of {$36000.00}. I didnt notice until about XXXX of XXXX when I received a call from the XXXX police department. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX was opened with my name fraudulently in XXXX on XX/XX/XXXX with a balance of {$930.00}. Ive tried disputing before, XXXX has unfairly denied as I am not sure who has opened this account. My identity has been compromised, and I have currently already filed for a new license and XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  was opened with my name fraudulently in California on XX/XX/XXXX with a balance of {$630.00}. Ive also tried disputing before, XXXX XXXXXXXX XXXX has unfairly denied as I am not sure who has opened this account. My identity has been compromised, and I have currently already filed for a new license and XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was opened with my name fraudulently in California on XX/XX/XXXX with a balance of {$1000.00}. Ive also tried disputing before, XXXXXXXX XXXX XXXX has unfairly denied as I am not sure who has opened this account. My identity has been compromised, and I have currently already filed for a new license and XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX was opened with my name fraudulently in California on XX/XX/XXXX with a balance of {$550.00}. Ive also tried disputing before, XXXX XXXX XXXX has unfairly denied as I am not sure who has opened this account. My identity has been compromised, and I have currently already filed for a new license and Socials Security Card. 

I did not open these accounts and have not authorized any transactions on them. I have not received any correspondence or statements from these accounts, and I was only made aware of their existence when I checked my credit report. 

Furthermore, I have also learned that my driver 's license and social security card have been compromised. I have taken the necessary steps to report this to the relevant authorities and am in the process of obtaining new identification documents. 

I would like to request that you immediately close these accounts and take any necessary steps to prevent further unauthorized activity. I would also appreciate it if you could provide me with a copy of any fraudulent transactions that have occurred on these accounts. 

I would be grateful if you could also inform me of any additional steps I need to take to protect myself and my credit in the future. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Lenders listed above are not handling my dispute in a fair and timely manner.