davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (KY)

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.

has violated my rights. Or a list of inquiries : 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 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

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.

has violated my rights. Or a list of inquiries : 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 2023-10-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (TN)

To whom it may concern, I have pull my credit report and see this company XXXX XXXX account # XXXX still reporting some inaccurate information on my report. I have dispute this account before and still have not getting any response from the company. 
I need to know the steps taking to investigate this account and how it MEETS FCRA REQUIREMENT. 

There are several error on this account across the bureaus. Date last active is incorrect, Date open is incorrect across the bureaus and so many other errors on this account. 

Please DELETE THIS ACCOUNT IMMEDIATELY IF YOU CAN NOT PROVIDE THE STEPS THAT YOU TAKE TO VERIFY THIS ACCOUNTS. 

Because of these errors on my report I am getting denied for credit and make my life harder than it already is with this economy that we are in right now.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Capital One sold this account to a collection attorney. This account is showing on my credit report as, Account charged off. {$10.00}, XXXX written off. {$6.00}, XXXX. Since this account was written off /charged off, Capitol One failed to provide me with a 1099c tax report. This inaccurate information was reported to all credit bureaus affecting my score and lending opportunities. I am requesting a copy of the 1099c. For accuracy purposes, the 1099c report must be provided to me for further tax review.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

n accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX and 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 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

My loan is listed twice on my credit report so it looks like my debt is double what it should be. One Loan is shown as XXXX XXXX XXXXXXXX and the other is XXXX XXXX XXXX XXXXXXXX is the current processor of the loan.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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.

has violated my rights. Or a list of inquiries : 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 2023-10-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (MT)

Recently, a student loan has appeared on my credit report that does not belong to me. My student has been paid in full for over 15 years. I have tried repeatedly to dispute this with documentation showing it is paid if full, but all I get back is " verified '' or " accurate '', when it clearly is not. I have been XXXX from a leg injury since 2020 and I rely on my good credit so that I can survive day to day with my limited XXXX. I am tired of having false information on my report and struggling to get anyone to listen to me that this is not mine as my in paid in full. I don't know how much more documentation I can provide that shows it is paid, or of my XXXX, but it is like no one is actually reading my complaints and believe some company that is in direct violation of the fair credit reporting act. The only thing I have not done at this point, because I can not afford it due to the XXXX is to file a lawsuit against these companies that want to prey on the weak and innocent. I am attaching my documents again in hopes that they will be taken seriously and they will stop reporting information that is just plain FALSE.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

THIS IS NOT A DUPLICATE REQUEST This complaint has been ongoing for over 2 years. XXXX XXXX XXXX XXXX has continued to report an open account with a balance due. This auto loan was included and XXXX in a XXXX XXXX XXXX  I have reached out several times and provided all supporting documents to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX is in violation of the XXXX laws. I have contacted my attorney and they have got involved. I have disputed this account to be remove completed and deleted from my credit reports since XXXX This account was included in my XXXX XXXX XXXX and they have received several correspondence from me and CFPB they have ignored the laws that are in place. I have an attorney and Im moving forward to pursuing statutory damages due to the fact that you violated the FCRA Laws. Attached will be our final documentation that XXXX XXXX XXXX XXXX needs to remove and delete XXXX XXXX XXXX loan tradeline from all credit reporting agencies within XXXX days from the date of this dispute
Consumer complaint received 2023-10-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT)

Recently, a student loan has appeared on my credit report that does not belong to me. My student has been paid in full for over 15 years. 

I have tried repeatedly to dispute this with documentation showing it is paid if full, but all I get back is " verified '' or " accurate '', when it clearly is not. 

I have been XXXX from a XXXX XXXX since XXXX  and I rely on my good credit so that I can survive day to day with my limited XXXX. I am tired of having false information on my report and struggling to get anyone to listen to me that this is not mine as my in paid in full. 

I don't know how much more documentation I can provide that shows it is paid, or of my XXXX, but it is like no one is actually reading my complaints and believe some company that is in direct violation of the fair credit reporting act. 

The only thing I have not done at this point, because I can not afford it due to the XXXX is to file a lawsuit against these companies that want to prey on the weak and innocent. 

I am attaching my documents again in hopes that they will be taken seriously and they will stop reporting information that is just plain FALSE.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-10-16
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CO)

My Amex gift card doesn't work anywhere online. I have tried XXXX, XXXX, XXXX, XXXX, and I've also trying transferring it to cash. I am having no luck. I have called customer service several times and always get the same answer, " keep trying your card. It is active and has a balance of {$360.00}. '' It will not work. I am so frustrated with them and with this stupid card. What can I do? Please help.
Consumer complaint received 2019-04-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NV)

We are attempting to refinance our home. Our current mortgage is through Specialized Loan Servicing. We requested to refi our current loan with them and they said they do not originate loans in Nevada. We then contacted a local bank and are in the process of doing the refinance with them. The title company ordered the payoff from SLS on XX/XX/XXXX and as of today, XX/XX/XXXX, we still do not have the payoff. We have been calling SLS since XX/XX/XXXX trying to get the payoff and they have said that because our home is in Nevada, they have to manually create the payoff and that we are in the queue. We have spoken to reps nearly everyday from SLS, many have said that they are waiting for some kind of Addendum to be able to produce the payoff and some have even said it is already done and has been sent. We have escalated this situation multiple times with SLS and are always assured they are working on it. Our loan rate lock is about to expire and it will end up costing us money, as the rates now are higher. We feel that SLS is not in any hurry and is going to ultimately cost us money and/or cause us to lose our loan completely due to their own internal issues. We are not sure where else to turn, as they refuse to give us a corporate phone number and we aren't sure where to turn.
Consumer complaint received 2023-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: SYNCHRONY FINANCIAL (NY)

Recently, there was a scammer who was trying to scam me by sending money to random people that I do not even know. With that, they charged me XXXX and even more out of my credit card, and I tried filing a case with the company but they closed the case so quickly that there wasn't enough information. My credit card company is Venmo, but the bank being linked to them is XXXXXXXX XXXX. 

The scammer had asked me to send money like from XXXX XXXXXXXX towards the end of the month. 

XX/XX/2023 TO : XXXX XXXX AMOUNT : {$300.00} XX/XX/2023 TO : XXXX XXXX AMOUNT : {$200.00} AMOUNT : {$200.00} XX/XX/2023 TO : XXXX XXXX AMOUNT : {$300.00} XX/XX/2023 TO : XXXX XXXX AMOUNT : {$500.00} XX/XX/2023 TO : XXXX XXXX AMOUNT : {$700.00}
Consumer complaint received 2023-10-16
Product: Credit reporting 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. (TX)

Please remove the following hard inquiries from my credit report since these items were not authorized. 
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
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-16
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. (IL)

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. 

The credit bureaus are required by federal law to respond within the statutory time range, but they have yet to do so. If you don't comply with the request, the things in question should be updated right away. Please remove the following.
Consumer complaint received 2023-10-16
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I was working with a mortgage broker to qualify for a home mortgage. Surprisingly, my credit score was just average- but it should be nearly perfect. To my knowledge, I have never missed a credit card payment, a rent payment or a bill payment. My student loans are paid off. The mortgage broker ran a credit report, and we learned that in 2017 somebody fraudulently took out a Khols Capital One Credit Card in my name with a {$300.00} limit. The thief maxed it out immediately and a payment was never made. For 5 straight years, without my knowledge this fraud has negatively impact my credit score. This situation needs to be resolved. I am hardworking person who tries to do the right thing and supports my wife and future child. This credit situation needs to be resolved.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-10-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

To whom it may concern, I have pull my credit report and see this company XXXX XXXX account # XXXX still reporting some inaccurate information on my report. I have dispute this account before and still have not getting any response from the company. 
I need to know the steps taking to investigate this account and how it MEETS FCRA REQUIREMENT. 

There are several error on this account across the bureaus. Date last active is incorrect, Date open is incorrect across the bureaus and so many other errors on this account. 

Please DELETE THIS ACCOUNT IMMEDIATELY IF YOU CAN NOT PROVIDE THE STEPS THAT YOU TAKE TO VERIFY THIS ACCOUNTS. 

Because of these errors on my report I am getting denied for credit and make my life harder than it already is with this economy that we are in right now.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

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.

has violated my rights. Or a list of inquiries : 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 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Under the FCRA capital one violated my rights under 15 USC 1681 section 602 they violated my rights to privacy. 15 USC 1681 section 604A section 2 the consumer reporting agency can not furnish my account without written instructions. 15 USC 1666B the creditor may not treat payments on my credit card account under an open end consumer credit plan as late for any purpose. This happened on my XXXX, XXXX as well as XXXX on Friday XX/XX/2023. They marked my payment as late and it had a negative impact on my credit reports and XXXX score. I called and asked them to remove the late payments from the accounts under these exact same sections under the fair credit reporting act or that I'd file a complaint and the representative told me to go ahead with my actions because they don't have to do it. I'm not sure what other documentation that I should have asked for. I would like this removed from all of my reports.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (FL)

In XXXX of this year I tried logging into my account to make a payment but I was not able to. The website said I had the incorrect credentials but I had never changed it. I called in and customer service told me I had made {$2500.00} on purchases, and I told them it was not me. I told them about the fraud on the account and they cancelled the card and sent a new card, but to the people committing fraud on another state. I called them again after 2 weeks and they had confirmed to have sent the card to Kansas, but I live in Florida. They cancelled the sent card and issued me a new one, which I received and registered online to make a payment. Another months goes by and again I can't log in to make a payment, so the same thing happened. They cancelled the card once again, and also once again they sent the new card to the people committing the crime in Kansas. This month on XX/XX/XXXX, I receive notice that Mattress Firm reported my account as late payment to the credit bureau, and my credit score took a hit of almost XXXX XXXXXXXX  I called them again and they advised it will take 60 days for this to get investigated and resolved.