davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-30
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: Experian Information Solutions Inc. (NM)

XXXX XXXX had a data consumer breach and failed to inform me ; XXXX  XXXX Data Breach Settlement, otherwise known as In re : XXXX XXXX XXXX. Customer Data Security Breach Litigation, Case No. XXXX ( XXXX ). As a result, nothing was given to make sure my data was secure- as a result my credit score went down as a result of this data breach.
Consumer complaint received 2022-06-07
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. (FL)

Dear credit reporting Agency I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.
Consumer complaint received 2022-06-25
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)

In accordance with the Fair Credit Reporting Act XXXX  Account, XXXX XXXX and XXXXr XXXX bankruptcy 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 an account without my written instructions.
Consumer complaint received 2022-06-07
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. (FL)

After multiple attempts to contact XXXX, XXXX XXXX and Experian regarding credit validation of an invalid outstanding debt there has been no successful resolution at this time. There appears to have been no due diligence completed in trying to resolve the matter, nor, have I been provided with proof that this debt belongs to me and is legally able to be collected. After contacting the collection agency with a validation request no reply was given and the account was sold. The account was transferred throughout the process several times and I have contacted the credit bureau ( s ) regarding the incorrect reporting of my debt which has harmed my credit, financial reputation and has prevented me from moving forward with very important life events like making my first home purchase and qualifying for better interest rates. After my account was transferred I again requested for validation of my debt and was provided with confirmation on XX/XX/2022 that the account has been closed. Although the date of my account being closed occured prior to the date that the investigation by XXXX was completed ( attached ) XXXX still confirmed the reporting as accurate which leads me to believe no proper steps were taken to confirm the debt. XXXX and experian have yet to update their records as well and have also not validated my debt. Unfortunately, the difficulty of not having this matter resolved timely with proper due diligence is continuously affecting my ability to move forward with important life events and stagnating me financially. The following account has been closed as of XX/XX/2022 and is still be reported incorrectly by all bureaus According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the credit bureau ( s ) is/are required by federal law to verify. Please take this formal complaint seriously as all necessary documentation has been provided to support my complaint. An immediate deletion is being requested to resolve this matter in full.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (FL)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (CO)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : cOLLECTION XXXX XXXX XXXX XXXX XXXX XXXX Prev. Address : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Previous Address ( es ) : XXXX XXXX XXXX  XXXX, CO XXXX Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CO XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX Employers : XXXX XXXX Employers : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, CO XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XX/XX/XXXX
Consumer complaint received 2022-06-07
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. (FL)

After multiple attempts to contact XXXX, Trans union and XXXX regarding credit validation of an invalid outstanding debt there has been no successful resolution at this time. There appears to have been no due diligence completed in trying to resolve the matter, nor, have I been provided with proof that this debt belongs to me and is legally able to be collected. After contacting the collection agency with a validation request no reply was given and the account was sold. The account was transferred throughout the process several times and I have contacted the credit bureau ( s ) regarding the incorrect reporting of my debt which has harmed my credit, financial reputation and has prevented me from moving forward with very important life events like making my first home purchase and qualifying for better interest rates. After my account was transferred I again requested for validation of my debt and was provided with confirmation on XX/XX/2022 that the account has been closed. Although the date of my account being closed occured prior to the date that the investigation by XXXX was completed ( attached ) XXXX still confirmed the reporting as accurate which leads me to believe no proper steps were taken to confirm the debt. Transunion and XXXX have yet to update their records as well and have also not validated my debt. Unfortunately, the difficulty of not having this matter resolved timely with proper due diligence is continuously affecting my ability to move forward with important life events and stagnating me financially. The following account has been closed as of XX/XX/2022 and is still be reported incorrectly by all bureaus According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the credit bureau ( s ) is/are required by federal law to verify. Please take this formal complaint seriously as all necessary documentation has been provided to support my complaint. An immediate deletion is being requested to resolve this matter in full.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (CA)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (CA)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX Late Payment XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

Late Payment XXXX  Account Number : XXXX Late Payment XXXX  Account Number : XXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX XX/XX/XXXX To whom it may concern, Im writing this letter to dispute the following accounts : 1. 15 U.S. Code 1681n Civil Liability for willful noncompliance Chapter XXXX Bankruptcy Case Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX Thank You Sincerely yours, XXXX XXXX
Consumer complaint received 2022-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act U.S. Bankruptcy Court 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-10-03
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (TX)

So back in XXXX XXXX XXXX  I signed up with Care Credit / Synchrony Bank they approved me for {$10000.00} so that I could have some much-needed XXXX  work done. I was offered 24 months no interest charges promotional. So, {$6000.00} was charged on this account. I've been paying about {$250.00} a month for the past 13 months. Believing I had 24 months to pay off my balance. Also made another charge of {$790.00} back in XX/XX/XXXX, fast forward to today I received a notice and statement saying my account is over the limit and interest in the amount of {$2500.00}. At this point I'm confused, thinking did I do something on my end to accelerate my promotional offer like miss a payment or something. No, I did nothing wrong on my end. So, I called and they state that my promotional offer ended it was only for 12-months. I stated no I have 24 months as we agreed when I signed up because their interest rate was so high 32.99 %. I knew I would pay it off in 2 years before the promotional offered ended. So, I ask them XX/XX/XXXX could you send me a copy of our agreement to see if they even had it because I have the email. Care Credit XXXX Synchrony Bank states they didn't have the application, nor do they keep them. So, I upset at this moment and ask to speak to a supervisor they transfer me twice I speak briefly with the manager before he hangs up in my face while I'm talking. So, at this point I would like to pursue, some sort of action to get Care Credit / Synchrony Bank banned from being able to lend money to consumers because of their fraud practices. Lending to consumers under false pretense to mess up consumer financial life. In my case they lied about the 24-month interest free promotion also they charged 10 % more in interest than the agreement and reduced my limit from {$10000.00} to {$6700.00}. {$6000.00} times 32.99 % would have charged me {$1900.00}. They charged me 42.12 % which now shot my loan back up and over the limit. This is predatory lending and I see I'm not the only consumer complaining about this matter with Care Credit / Synchrony Bank. Please help me expose this companies foul practices in lending.
Consumer complaint received 2022-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

After going through the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX Account # XXXX I have tried to work these issues out but they have violated my rights and I have no choice but to file a claim. Here are some of the violations I was able to find that they have violated. 

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 2022-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

XXXX XXXXXXXX XXXX, Account # XXXX Account Status Closed Payment Status Past Due - {$150.00} Balance Owed {$150.00} Payment Amount {$0.00} Credit Limit {$500.00}
Consumer complaint received 2024-11-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I dispute the following hard inquiries on my credit report. Under the Fair CREDIT Reporting Act ( FCRA ), section 611 ( 15 U.S.C. 1681i ), unverified inquiries must be removed. PLEASE INVESTIGATE AND REMOVE ANY UNVERIFIABLE INQUIRIES. a LIST OF ALL INQUIRIES UNAUTHORIZED BY MYSELF, XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXXXXXX MO XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (GA)

Urgent Demand for Immediate Correction of Inaccurate Reporting : Upon reviewing my Consumer Reports, I was enraged to find egregious inaccuracies regarding alleged late payments on an account where I have ALWAYS made punctual payments. Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are REQUIRED BY LAW to ensure the HIGHEST degree of accuracy in reporting consumer information. I have NEVER missed a payment on the following account I DEMAND an IMMEDIATE and THOROUGH investigation into these blatant discrepancies within XXXX DAYS, as mandated by the FCRA. You are XXXX to provide undeniable evidence, such as detailed account statements, substantiating the alleged lateness of these payments. FAILURE to furnish such proof within the specified XXXX timeframe will lead to my INSISTENCE that these payments be corrected to reflect their accurate, ON-TIME status, in rigorous adherence to FCRA Section 611, which mandates accuracy and completeness in consumer reports. 
I have consistently met my payment obligations ON TIME and WILL NOT TOLERATE this unacceptable situation. RECTIFY THIS IMMEDIATELY.
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Central Portfolio Control Inc. (CA)

this company was notified by certified mail proof below they received and signed for the debt valadation i sent 0n 5/30/22 its now 6/7/2022  and did not  respond within 5 days according to the law that is a violation of 15 usc 1692g (b)Failure to send the consumer a 30-day validation notice within five days of the initial communication Collector must cease collection efforts until debt is validated also received a misleading letter in the mail in bold writing saying this is an offer to resolve financial situation no where on the letter does it saythe mini maranda that is also a violation of 1 5 usc 1692e (11)  company also violated  HIPPA  i did not give anyone consent to furnish negative information on my consumer report this is very stressful and causing me to pay higher interest rates and hurting my chances of getting housing  i want this removed and blocked from experian transunion and equifax.       ALSO THIS COMPANY LICENSE IS NOT REGISTERED IN CALIFORNIA WHICH MEANS YOUR NOT ALLOWED TO operate or COLLECT IN MY STATE
Consumer complaint received 2022-05-24
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. (GA)

in acorddance with fair credit act XXXX  act XXXX has violated my rights 15usc 1681section 602A states i have the right to privacy 15 usc section 604A it also states a consumer can not furnish an account without my written permission or instructions XXXX XXXX reference XXXX fed loan servicing XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account XXXX
Consumer complaint received 2022-06-25
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. (IL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, U S DEPT OF EDXXXX 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