davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

I applied for a care credit card and received their card.I used the card for my cat. My cat did not make it. Then I got a senior cat and took her in for dental work. The bill was over {$900.00}. The c/o was accepting my payments and then started raising them.I started paying {$50.00} dollars a month which they accepted.They were adding interest and I was not able to pay more.This happened in XXXX. I made mistake.I have had to block their number, but they send me daily voice messages. I sent them a letter and a payment of {$50.00} on XX/XX/XXXX and it has not reached my checking account. I have paid every month. I will send a copy of their letter I received in XXXX. Thank you, XXXX XXXX
Consumer complaint received 2022-09-22
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. (MS)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-11-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (GA)

Any balances owed are not owed by XXXX XXXX. Upon the return of my phone my number was sold. Then a year later Its stated that I owe a balance on an account that I made good a year prior. Who ever sprint immediately sold my number too acted as if they were me illegally.
Consumer complaint received 2022-09-20
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. (SC)

In accordance with the fair credit reporting act the following account have violated my rights 15 u.s.c 1681 section 602 A states i have the right to privacy 15 u.s.c 1681 section 2 it states a consumer reporting agency can not furnish a account without written instructions XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I Acct # XXXX, Acct # XXXX, Acct # XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX Personal information XXXX XXXX XXXX XXXX XXXX SC XXXX, XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX # XXXX XXXX, SC XXXX Employers XXXX cleaning
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

This is disappointing! I have been disputing for the correction of the accounts that are reporting erroneous information on my Credit File but it is clear that the Credit Bureaus do not pay attention to any of my disputes at all! The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$570.00} ; XXXXXXXX XXXX Balance Owed : {$1300.00} ; XXXXXXXX XXXX Balance Owed : {$4000.00} ; XXXX/XXXX XXXX Balance Owed : {$8600.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX  XXXX Balance Owed : {$0.00} ; and XXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2022-07-15
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. (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 719tXXXX 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 XXXX 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 XXXX 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 three 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 XXXX admitted they had my police report XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-07-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (FL)

We found our dream home in XXXX XXXX, Florida after countless years of savings. On XX/XX/XXXX at XXXX PM, our dream turned into a nightmare. I sent a wire from my Chase account ending in XXXX in the amount of {$170000.00}. The receipt of these monies defrauded me into sending these monies to them and I would like these funds to be returned to me. The recipient posed as my closing agent in a real estate transaction, and I was tricked into sending these funds to them. The recipients account is a JPMorgan Chase Bank Account and at minimum these funds should be frozen, until further research is completed. 

I have filed a complaint with the XXXX XXXX Police Department, XXXX XXXX and FBI. We have also opened a case with Chase ( XXXX # XXXX ). I urge you to conduct an investigation, so these monies can be returned to me. At a at minimum please place a hold on the recipients account as this is a FRADULENT MATTER. The loss of hpes and dreams can be incredibly hard to accept and cope with. Hard earned money You can reach me anytime at ( XXXX ) XXXX. I eagerly await your call. You can also email me at XXXX or XXXX XXXX
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Subject : False Reporting Dear Equifax, I hope this email finds you well. I am writing to express my deep concern and frustration regarding the false reporting of my credit information by your company. Despite my best efforts to resolve this matter amicably, the false reporting has had a significant negative impact on my creditworthiness and financial standing. 

You are continuing to report XXXX XXXXXXXX XXXX account as " open '' when this is a " closed account ''. I have sent in XXXX disputes requesting you to investigate this account ; however, your response continues to be " this account is verified as accurate '' Really? This account has been closed for YEARS!!! 

I believe that the false reporting has been caused due to negligence or intentional misconduct on the part of your company. These inaccuracies have resulted in severe consequences, including the denial of credit, higher interest rates, and financial hardship. I have taken all necessary steps to rectify this issue by disputing the false information with your company, to no avail. 

Based on the provisions of the Fair Credit Reporting Act ( FCRA ), I am hereby providing you with a formal notice of my intent to sue your company for the damages caused by the false reporting. The FCRA provides me with the right to seek legal recourse for violations of my rights as a consumer, including compensation for financial losses, emotional distress, and reputational damage. 

I kindly request that your company take immediate action to rectify the false reporting and provide me with a written confirmation of the corrections made. Additionally, I request that your company compensate me for the damages I have suffered, including any legal fees incurred during this process. 

Please be advised that I expect a written response from your company within [ reasonable time frame, e.g., 30 days ] from the date of this letter. This response should include details of the actions taken to rectify the false reporting and the compensation being offered for the damages suffered. 

I hope that we can resolve this matter amicably and without the need for litigation. However, please understand that I am prepared to pursue legal action to protect my rights and seek the compensation I believe I am entitled to. 

Delete this account for inaccurate reporting, false reporting and failure to investigate and provide supporting documentation of this alleged " open account. ''
Consumer complaint received 2023-06-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC. (OH)

All XXXX credit bureaus have refused to remove false debts off my report I have sent over XXXX letters explaining why and which XXXX on XXXX ally XXXX is reporting I owe thousands of dollars for a car that was a total loss and paid off in full by my insurance company and I almost had gap and all I got was back and fourth fingers pointed. Also XXXX XXXX is false reporting that want get removed off my report
Consumer complaint received 2022-11-14
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. (NC)

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 U.S.C 1681 XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX amount for {$520.00} XXXX XXXXXXXX Original creditor : XXXX XXXX XXXXamount for {$75.00} XXXX XXXX XXXX- the amount of {$50.00} XXXX XXXX XXXX.- the amount of {$1800.00} 15 U.S.C 1681 section 602 A. states have the right to privacy 15 U.S.C 1681c. ( a ) ( 5 ) Section no consumer reporting agency make any consumer report containing any of the following items of information any other adverse item 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 2023-04-05
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. (CA)

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 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
Consumer complaint received 2022-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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 three 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 2024-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (TX)

I've lived in my home since XXXX, and I have automatic payments for my mortgage, and have never been late on payments. Yet, all three Bureaus show XXXX late payments, one late payment for XX/XX/XXXX and another for XX/XX/XXXX. I've had several bank changes since then and don't have access to old accounts. I find it odd that in XXXX years, I have XXXX late payments on my credit report and these are absolutely not accurate,
Consumer complaint received 2023-03-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: DHI Mortgage Company (MD)

I purchased my home from DR Horton and obtained my mortgage from DHI Mortgage and used DHI Title to close on XXXX XXXX. At settlement, they collected {$1200.00} from me for three months of property taxes. Soon after closing, they sold my mortgage to XXXX XXXX XXXX ( XXXX ). After selling my mortgage, DHI Mortgage paid my property taxes in full ( XXXX ) and requested that full amount be sent back to them from XXXX in XX/XX/XXXX. I had noticed my escrow account balance was extremely low and asked for an Escrow Analysis be performed by XXXX. While I was waiting for this to be performed, I noticed on my transaction and payment history with XXXX that {$3200.00} was sent to DHI Mortgage on XXXX XXXX. I then went back and looked at my Closing Disclosure and confirmed that I had paid {$1200.00} towards property taxes at settlement. I contacted DHI Title on XX/XX/XXXX about this and have not had a resolution to this issue. I had been told that XXXX XXXX, the Area Manager with DHI Title Agency, had escalated the issue to their Customer Care team. I received an email from XXXX XXXX Customer Care Specialist with DHI Mortgage on XX/XX/XXXX stating that they reached out to XXXX and they decided that another escrow analysis was not needed. That a new analysis will be completed in XXXX of this year. 

They have never addressed the fact that they still have {$1200.00} of monies I paid to them at settlement for three months of property taxes. I have not been given any explanation as to why the requested the full amount be sent back to them from XXXX. I understand that they paid the full amount of taxes outside of settlement, and they are due monies from my current escrow account, but not the full amount. It should be {$3200.00} less the {$1200.00} they had already collected from me. 

The entire transaction with Horton has been a nightmare. I need someone to please help me get these funds back to me personally or back into my escrow account with XXXX
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be updated in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. 

As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. All 4 erroneous accounts are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am opting out of any and all reporting by XXXX, EQUIFAX, XXXX I am again revoking any permissions given verbal, non verbal, written, unwritten, implied or otherwise. 

Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

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

15 U.S.C 1681 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 antedatesvthe report by more than several 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 information is inaccurate.
Consumer complaint received 2023-05-24
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. (CA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX. Please update ASAP.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

Disputed account balance of {$880.00} & XXXX XXXX XXXX XXXXXXXX XXXX " 3 times. 
which both reporting incorrectly, the correct balance is {$800.00} & the correct XXXX XXXX is " XXXX ". Equifax fail to do a proper investigation 3 times delete this account. 

XXXX XXXX XXXX - # XXXX
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I recently obtained a copy of my credit report and noticed that two late payments were erroneously reported for an account that I have always paid on time. As credit reporting agencies play a vital role in reflecting accurate consumer behavior, I ask that this matter be addressed promptly. 

For the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never been late in making payments. I request that you investigate this situation and provide any evidence that these payments were made late. If you can not provide proof, I expect the information to be corrected immediately to reflect my accurate payment history. 

Thank you for your attention to this issue