davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (CA)

In XX/XX/2020, I received an alert that my credit points had dropped ten ( 10 ) points due to PHH Mortgage company submitting negative information. In XX/XX/2020 due to Covid19 also known as the Corona Pandemic PHH assured its borrowers that they would work with them during this time and sent emails stating that they would not charge any late fees, report negative marks on anyone who applied for a forbearance, and yet they did.
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

HI I AM SUB

MITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

See attached!! The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, last verified inaccurate and date last reported is not accurate. Some accounts are showing open and some are showing closed status.The account is in charge off status but still showing a balance this is a tax fraud because this alleged debt has been written off on the companies profit/loss statement and I have not received a form 1099c and are trying to collect on an alleged debt twice. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. According FCRA guidelines information furnished on consumer reports have to be 100 % accurate across on all XXXX credit reporting agencies or the account has to be removed from my consumer report as this constitutes fraud
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the listed erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$23000.00}
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Claims of XXXX dollars fraudulently charged. I have reached out multiple time for the removal of this account. Ive sent supporting documents with all landing upon death ears. This account has been disputed for its incorrect information and damage it has done to my credit score/report. The debt has been sold. And no one can prove this information to be correct. I demand this informantion be removed with in 30 days or we will persue damages for defamation of character. Under the fair credit reporting act companies or to report factual and accurate information and thats not the case here
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: Experian Information Solutions Inc. (AL)

Claims of XXXX dollars fraudulently charged. I have reached out multiple time for the removal of this account. Ive sent supporting documents with all landing upon death ears. This account has been disputed for its incorrect information and damage it has done to my credit score/report. The debt has been sold. And no one can prove this information to be correct. I demand this informantion be removed with in 30 days or we will persue damages for defamation of character. Under the fair credit reporting act companies or to report factual and accurate information and thats not the case here
Consumer complaint received 2023-01-12
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. (CA)

I took out XXXX student loans with XXXX. XXXXXXXX XXXX XXXX XXXX XXXX  and have not made any payments nor am I required to make payments until I am XXXX XXXX XXXX. I called XXXX and advised of the error of them showing me late ONLY 1 month and the remark for that XXXX month is showing late 90 days. There are no other months showing late so how could it be late 90 days. Also, I never paid any payment so how could you be reporting a late payment???? XXXX advised they dont show me late and I should talk to the credit reporting agencies to file a dispute. So the second thing I did was a dispute with all three credit reporting agencies. I asked to have all XXXX accounts removed since they are violating by reporting inaccurate information and in violation of FCRA for also not sending me proof of verification as I requested. So I am now making a complaint. 

I would like all XXXX loans on each credit report removed for reporting inaccuracies. On all three of my credit reports they are showing the following errors for each loan : XXXX. XXXX section shows each loan late XXXX days XXXX. There is only 1 month with a red X that represents XXXX late payment in XXXX of 2020 so how is the loan XXXX days late. 
XXXX. They should not be reporting any late payments at all because XXXX not done with school. 
XXXX. Each loan is on my credit reports are reporting XXXX different balances XXXX # XXXX is reporting highest balance of {$3500.00} and its showing reporting balance {$3600.00}. 

Loan # XXXX is reporting highest balance of {$3000.00} and its showing reporting balance {$3300.00} XXXX # XXXX is reporting highest balance of {$1700.00} and reporting balance of {$1800.00} XXXX # XXXX is reporting highest balance of {$520.00} and reporting balance of {$570.00}. 

XXXX. Its showing XXXX of the loans as closed which caused my XXXX XXXX to drop. Also, they are reporting payment status every month and paid amount says {$0.00} for each loan.
Consumer complaint received 2023-01-27
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)

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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-01-27
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. (VA)

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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (ID)

I have a carecredit rewards mastercard and I noticed on their website and on the bowflex website they advertised 18 month promotional financing on bowflex products. over the course of two months i made a few bowflex purchases : XXXX XXXX XXXX BIKE {$1000.00} XX/XX/2020 XXXX XXXX XXXX XXXX Kit {$290.00} XX/XX/2020 XXXX XXXX XXXX STOWABLE BENCH {$290.00} XX/XX/2020 XXXX XXXX Treadmill {$2000.00} XX/XX/2020 I used my care credit master card to pay for all these purchases. I have had two statements since these purchases and have been charged interest on all the purchases except for the dumbbell kit and the stowable bench. The only promotional financing i received was on those two products. I have since reached out to both XXXX and care credit/synchrony bank. Both tell me that I must talk to the other company and its been months without any resolution. 

I reached out to synchrony on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I reached out to bowflex on XX/XX/XXXX and called on XX/XX/XXXX and spoke to a supervisor who told me carecredit/my synchrony are the ones who would have to fix the promotional offer not being applied.
Consumer complaint received 2024-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (SC)

On XX/XX/year> {$11000.00} was deposited in my business acct at Truist Bank. Truist has informed me after closing the account that it had suspected fraud and the money is frozen. The check from the payee cleared after 1 week and I did not attempt to withdrawl any money prior to account closure. Bank will not communicate with me.
Consumer complaint received 2023-01-30
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. (MD)

This is my NUMEROUS 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 account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the Listed Account. 
( XXXX XXXX : ) XXXX Balance : {$910.00}
Consumer complaint received 2020-05-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX {$960.00}. I have called and called and today I was hung up on without any resolution.
Consumer complaint received 2020-05-20
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.
Consumer complaint received 2023-01-30
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent unauthorized inquiries in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of unauthorized inquiries. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The Listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-07-13
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: U.S. BANCORP (MD)

I discovered an unpaid account on my credit report that I never opened or used. US Bank is reporting an amount of {$7200.00} on an account supposedly opened and closed in 2014, that US Bank reports was never paid, and that US Bank eventually charged off, causing irreparable damage to my credit report. 

I never opened this account nor incurred this debt. This is a fraudulent account that is adversely affecting my credit score. I have called the company, US Bank, to get more information about the account, and the representative refused to provide any information or assist with resolving this attempted theft because I could not verify the identity of the criminal who opened the account. I contacted each of the three credit bureaus to report this fraud and the credit reporting industry 's culpability in such crimes. Two weeks later, the three credit agencies ' putative investigations were concluded, parroting the furnishing company 's falsehood with an unchanged score, lacking any documentation or notation of dispute or fraud whatsoever, and the phrase " results unspecified. '' The result of this disgusting crime is that my credit score is depressed while these companies get away with perpetuating negligent falsehoods at the expense of my rights and in violation of federal law. 

I am a veteran of two wars with over XXXX XXXX XXXX service to the military. I observe the laws of the land and pay my debts. In return for my service, I am apparently fair game for US Bank to casually extend credit to criminals in my name, then level fraudulent, unchallenged slights against me, harming my reputation and my ability to buy a home.
Consumer complaint received 2023-01-30
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 following : XXXX XXXX XXXX  - account ending in # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX have violated my rights 15 U.S.C 1681 section 602 A states : I have the right to privacy.

15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have previously disputed this item with you > XXXX XXXX XXXX XXXX XXXX XXXX XXXX < and in response you verified the item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or to any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 16811 ) and the information must be deleted immediately.
Consumer complaint received 2023-01-30
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. (FL)

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. 

Account name : # XXXXXXXX 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 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 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 2023-01-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nicholas Financial Inc. (OH)

In XXXX, I had a car loan on a XXXX through Nicholas Financial. They increased my payments by at least a {$100.00} more a month. I had many discussions with the company and was told that if I let them take the vehicle back, all further debt would be erased considering they could sell the vehicle for more than what was owed. The entire time I had that vehicle, there was nothing but issues with it. I had to replace brakes, tires, the fuel pump, rust spots, and much more than I can hardly remember. Now, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, is claiming that I never made a court hearing in XXXX XXXX XXXX XXXX back in XXXX ( I was living in PA and had never received any mail, emails, phone calls, etc. about a court hearing. This money that they claim I owe, isn't even on my credit report. And now XXXX XXXX XXXX is coming after me for it again with 17.950 % interest tacked on. I do not owe this money and I am appalled that this is something I'm dealing with nearly a decade later!
Consumer complaint received 2023-01-30
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. (GA)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 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 relating to any transaction by the consumer. 
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
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act Name : XXXX, XXXX XXXX  Name : XXXX XXXX XXXXXXXX XXXX  Name : XXXX XXXX XXXX XXXXXXXX XXXX  Name : XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.