davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (NV)

I had this XXXX bill on my credit report for a long time. I disputed this account with the bureaus 4 different times in XXXX, XXXX, XXXX, and the end of XXXX. I've never had XXXX. Regardless, it's not even reporting right. It was removed by XXXX for being inaccurate but these other people wan na stay on my credit report. This is hurting my chance to grow my business and it's not even my debt. I disputed this account and they just won't remove it even though it's not reporting right or mine.
Consumer complaint received 2024-10-21
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. (GA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : 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 looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2019-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (LA)

I previously had an {$8500.00} credit limit with Discover. I was 30 days late on my XXXX card, Discover reduced my limit to {$500.00} because of the late payment on my XXXX card. XXXX did not penalize my account and waived the late fee. Discover dropped my available credit to right about my current balance of {$300.00}. I did not receive a letter stating this as Discover stated they informed me by mail.
Consumer complaint received 2024-08-31
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 (FL)

On XX/XX/year> I purchased a window air unit from Sams club in XXXX florida for XXXX. The product was damaged so I was informed to return it to the XXXX florida store, which I did. After the return I picked up another window unit, purchased it from the XXXX store for the same amount, XXXX. When I got my first statement, I seen a double charge for the XXXX in the XXXX florida Sams club. The Manager verified XXXX return, XXXX purchase. The Synchrony Bank Statement shows XXXX purchases for that day at XXXX. This is a duplicate charge for XXXX item. I have been disputing this duplicate charge with Synchrony bank since XX/XX/year>. The charge is still there. I get letters saying my account has been credited XXXX, which is correct. I have the receipts. The issue is they wont remove the duplicate charge. I have proven over the phone with the manager speaking on my behalf that there is no third purchase in my purchase history anywhere for XXXX.
Consumer complaint received 2022-07-18
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. (FL)

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$8300.00}, CHILD SUPPORT ENFORCEM XXXX DATE OPENED XX/XX/XXXX BALANCE {$1100.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$1300.00}, XXXX XXXX BANK XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$1100.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$680.00}, and XXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXX ) XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$0.00}. 

This is your FINAL WARNING. Please BLOCK AND REMOVE the ACCOUNTS resulting from alleged identity theft.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

Fraudulent information is linked to my identity. Accounts and transactions were wrongly attributed to me without consent, causing distress. I'm an identity theft victim and have reported this. This urgent issue is harming my finances and reputation. Remove all fraudulent information from my credit report quickly and investigate thoroughly. I'll provide evidence and may take legal action if needed.
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WI)

I've called all three bureaus on XX/XX/2003 to dispute the inquiries that are reporting on my credit report, and to no avail my requests have been ignored. I've mailed letters certified mail, XX/XX/XXXX to XXXX ( tracking # XXXX ) Experian ( Tacking # XXXX ) XXXX ( Tracking # XXXX )
Consumer complaint received 2022-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to delete this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and I'm including it again. XXXX XXXX XXXX
Consumer complaint received 2024-11-02
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (WI)

On XX/XX/XXXX, I added a promotional offer to my Chase Freedom Unlimited card through Chase XXXX which promised a {$100.00} statement credit upon spending {$500.00} or more on the Chase XXXX XXXX. I made purchases totaling {$660.00} on XX/XX/XXXX. However, on XX/XX/XXXX, I noticed in the Chase app that the offer was not marked as redeemed, but instead, as expired. 

I contacted Chase Freedom customer service to address the issue. Initially, the representative claimed I had not added the offer. After I clarified that I activated it on XX/XX/XXXX, she then said the offer could not be redeemed because the transaction posted on XX/XX/XXXX, which she stated disqualified it from the promotion. I asked her if this restriction was explicitly mentioned in the offer terms, but she was unable to confirm and repeatedly stated there was nothing she could do.
Consumer complaint received 2024-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CA)

WELLSFARGOXXXX XXXX XXXXXXXX forged my signature and had our joint accounts address changed and he fraudulently stole XXXX a month and put it in a hidden account HE also cashed my safeway checks when my name wasn't even on the account
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (PA)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-10-22
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: ADP Inc. (FL)

I requested XXXX sent my XXXX termination distribution of {$XXXX} from my former employer to my financial institution XXXX XXXX. XXXX sent me the checks in the mail which I mailed in XXXX to Betterment through the XXXX. But after waiting for months since XX/XX/year>, I contacted XXXX and found out that the checks I sent were deposited. However XXXX found that those checks bounced. I have not received help from XXXX after contacting them repeatedly, but have only been met with robots and no humans who I can contact. I just lost my retirement savings and I have been unemployed for XXXX  months now.
Consumer complaint received 2022-06-09
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX 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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 1681 s-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. 

XXXX Account Numbers : ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ( XXXX XXXX XXXX XXXXXXXX ) ( XXXX / XXXX ) ( XXXX XXXX XXXXXXXX / XXXX ) ( XXXX XXXX  XXXX / XXXX ) ( XXXX XXXX XXXX  XXXX ) ( XXXX XXXX XXXXXXXX ) As well as all highlighted addresses/public record information on file. 

Equifax Account Numbers : ( XXXX XXXXXXXX / XXXX ) ( XXXX XXXX  XXXX ) ( XXXX XXXXXXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX well as highlighted public record information. 

XXXX Account Numbers : ( XXXX XXXX XXXX XXXXXXXX ) ( XXXX XXXX  / XXXX ) ( XXXX XXXXXXXX ) As well as highlighted address and public record information. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - The above listed accounts from all bureaus have all been disputed and were sent back verified and accurate, however the information is inconsistent and inaccurate after being " verified '' and/or updated. 

Some information reported by XXXX in particular returned verified as mine after they updated another individual 's personal information to match my own during one of the disputes included. 

XXXX has also reverted update changes and re-added deleted accounts after completing their dispute process multiple times. I've included an example of them reverting account changes AFTER a dispute was completed/updated.
Consumer complaint received 2022-09-16
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. (VA)

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 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 1681 s-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. 

XXXX Account Numbers : ( XXXX 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 XXXXXXXX ) As well as all highlighted addresses/public record information on file. 

XXXX Account Numbers : ( XXXX XXXX XXXX XXXXXXXX ) ( XXXX XXXX XXXXXXXX ) ( XXXX XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As well as highlighted public record information. 

Transunion Account Numbers : ( XXXX XXXX XXXX XXXXXXXX ) ( XXXX XXXXXXXX / XXXX ) ( XXXX/ XXXX ) As well as highlighted address and public record information. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - The above listed accounts from all bureaus have all been disputed and were sent back verified and accurate, however the information is inconsistent and inaccurate after being " verified '' and/or updated. 

Some information reported by XXXX in particular returned verified as mine after they updated another individual 's personal information to match my own during one of the disputes included. 

XXXX has also reverted update changes and re-added deleted accounts after completing their dispute process multiple times. I've included an example of them reverting account changes AFTER a dispute was completed/updated.
Consumer complaint received 2021-07-03
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. (NE)

Credit inquiries on my report that I do not recognize nor did I authorize. Under section 604 of the credit reporting act you must provide my written authorization for these inquiries which Ive disputed these several times and yet I have gotten nothing off. You guys claim that you have to keep them on my file because theyre a accurate record of companies accessing my credit profile yet that doesnt mean I authorized them to do so. The inquires that are unauthorized were 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 and XXXX XXXX XXXX.  Ive contacted the above companies regarding the verification of authorization or record of it and they were not able to provide me that information so now Im needing you the credit bureau to now fo your due diligence.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX XXXX My correct date of birth : XX/XX/XXXX My correct address isXXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas, XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.
Consumer complaint received 2023-03-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Stein Law, P.C. (CO)

I was served a summons about a debt that I do not remember taking out. the original loan was if XXXX. 
the original loan was for XXXX. The paperwork that i got says that it should have been pais off in 2018. I fill that someone took this ioan out in my mane.
Consumer complaint received 2021-06-09
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (CA)

XXXX I have read all documentation, and no where does it state, that my eligibility would be compromised, in executing the XXXX. XXXX XXXX, advised me to take this route due to all the hidden issues in the house, as well as Appraisers, mis-handling, of the appraisal. In his own words, he stated the sellers real-estate agent had told him all the work, in remodeling had been done in the past year. 

In reading, and speaking with Mr. Coopers Rep 's, I still have not been shown, nor presented with the assessment, against my VA eligibility and what it was for. On page 24, it states, relates of liability, and no mention of costs against my VA Loan. 

Stating I was free and clear of the home, was an understatement, only to come back and claim to VA, monies. 

XXXX
Consumer complaint received 2022-07-18
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-09-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act, XXXX  accounts 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 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.