davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-13
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 


XXXX. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX OF XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Consumer complaint received 2020-05-29
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: SYNCHRONY FINANCIAL (OR)

I have a problem with synchrony bank, I had a credit limit with one of their companies for, XXXX XXXX dollars, ( Overstock ), Care credit, Walmart, Sams Club On my credit report it shows all payments made on time. Everytime I would make a payment, synchrony bank would decrease my credit limit to exactly what I owed at the time. So until I had this card paid off, it always reflected that I was using my full credit limit. Instead of showing I owed {$1200.00} out of {$4000.00}. It showed I owed {$1200.00} out of {$1200.00}. I have worked very hard to get my credit score up to a decent score, so I can get a mortgage buy a car or do whatever I want because I can. Synchrony has closed accounts that I never even used. Those are all bad marks against my credit. I had a XXXX before synchrony started all this, now I have a XXXX. With 99 % of payments made on time with all my creditors. I don't believe these creditors should have that much control over my credit which is my life line for the future. 
I feel they have violated my rights to be me. I am really frustrated and sick about the whole thing, apparently there is nothing I can do about it and that stinks. The rules on the creditors need to be changed, I don't believe there has been an overview of the way they are allowed to conduct business in years. I don't believe they should be able to intentionally, knowing that if they decrease your credit limit from the original limit and keep you looking like you are maxed on your cards at all times is criminal. According to my credit report I was never late, why would they tell me I was on the phone?, yet they report to the credit bureaus every month and decrease my limit to look maxed out. If my credit report showed like 6 missed payments I could understand. They have ruined my credit rating because of this. 4 different cards
Consumer complaint received 2022-07-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 


XXXX. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX OF XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DE)

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

charge-off with 3 different dates listed under " date of last activity '' XXXX XX/XX/2016 XXXX XXXX XX/XX/2016 XXXX Experian XXXX XXXX Based off that information provided I show a violation of my fair credit reporting rights on accurate reporting.
Consumer complaint received 2022-07-14
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, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2020-05-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (KS)

On the billing statement, it reads " Suspense : Any partial payments that you make are not applied to your mortgage, but instead are held in a suspense account. If you pay the balance of a partial payment, the funds will then be applied to your mortgage. '' On XXXX, I made a partial payment with the knowledge that this payment would be placed in suspense until a full mortgage payment would be made. However, Specialized Loan Servicing moved the {$300.00} partial payment to the principal instead. I notified the company that this was to go to the suspense. They refused in writing and on the phone. I have since made XXXX more partial payments and they are properly sitting in suspense, but they refuse to move the {$300.00} payment from XXXX to make my XX/XX/2020 payment. They have now charged me late fees and have threatened to report my delinquency if I do not pay an additional {$300.00}. 

After XXXX phone calls and XXXX emails, they verbally have refused to move the {$300.00} and fraudulently charge my account late fees.
Consumer complaint received 2020-05-30
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. (FL)

I have a credit card from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX XXXX with no successful resolution. XXXX, XXXX, and TransUnion reporting me 30 days late in XX/XX/2015. There was an error on their part. I was never 30 days late twice.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CT)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2023-01-03
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. (CA)

XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) Equifax and TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 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.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/2015 Balance {$7900.00} and XXXX XXXX XXXX Date opened XX/XX/2015 Balance {$2300.00}. 

According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2020-05-30
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. (MD)

I have 2 accounts showing late, this is incorrect. the statue for reporting thesis passed and should be removed XXXX Account number XXXX Account status Open Date openedXXXX XXXX, XXXX Account type Revolving account Usage : XXXX XXXX Balance on XX/XX/XXXX Credit Limit {$9600.00} {$12000.00} XXXX XXXX Account number XXXX Account statusClosed Date opened XX/XX/XXXX, XXXXAccount type Revolving accountBalance on XX/XX/XXXX Credit Limit {$0.00} {$20000.00}
Consumer complaint received 2020-05-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Alpha Recovery Corp (NC)

The original debtor, XXXX XXXX sent the account to collections with XXXX XXXX. After being sent to collections and being disputed XXXX XXXX completed an investigation and found that the account was in fact fraudulent/opened as a result of identity theft. I received a letter from the original debtor that I am not to be found responsible for any previous or further balance on this account and sent this letter to XXXX XXXX. XXXX XXXX  continues to report this collections account on my credit and has not responded to my letter about removing it.
Consumer complaint received 2020-05-30
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)

I was in a 6 year relationship with my ex girlfriend, we lived together and her vehicle got totaled infront of our house one night while I was working a 24 hour shift. We immediately got a loan from the XXXX/LOCAL government credit union I banked at. I was the cosigner due to her poor credit and not being able to get the loan herself. Fast forward to her cheating on me and getting XXXX, I was told I was the father but after everything I got a paternity test and found out I was not the father. I then made 3 months worth of payments to make it current. I then asked her to go refinance with her current bf, future husband. She was denied. I tried asking the lending company to allow me to take over the vehicle but my ex wouldn't turn over the vehicle and by law I had no right to it ( I wouldn't risk my career by just going and taking it ). Again nothing happened and she went delinquent ..by 5 months this time before I caught wind. I then tried yet again to get taken off as the cosigner. She was married by this time, and current husband wouldn't cosign. So after all of this, I am still the one getting penalized with her lack of responsibility. The vehicle was in repossession and she was driving it around for 3 months still. I went in and asked again to remove me, or repossess the vehicle and allow me to take it over and bring the payments current. Again I was told that wasn't a option. I then asked when they would get the vehicle, they were trying with no luck. This was due to them having my address as her home address and she hadn't lived there in almost a year at that point. I had no idea where she was staying, but gave her employer address which they also did not have. All this time I was in the process of moving from XXXX  to XXXX. They finally repossessed the vehicle 2 months after i moved, and a year later. I am the one paying for it. My credit is shot due to lenders not allowing me to do anything to prevent this situation. I would like my name removed completely from this repossessed account. Her name has changed, so doubt it effects her as it does me. That is besides the point, I tried on numerous occasions to figure a way to make this work and even gave them the information to repossess the vehicle. There has to be a better way of protecting the cosigner after a fall out with the primary. This is absolutely absurd that I have to air my grievance like this. Do the right thing and fix it please
Consumer complaint received 2023-01-03
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. (NV)

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 account needs to investigate and correct erroneous reporting in the file listed on my credit report : XXXX XXXX XXXX : {$240.00}.
Consumer complaint received 2022-02-01
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. (MI)

My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account XXXX XXXX XXXXXXXX XXXX XXXX Balance {$830.00} XXXX XXXX XXXXXXXX XXXX Balance {$300.00} XXXX XXXX XXXXXXXX XXXX Balance {$0.00}
Consumer complaint received 2020-09-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc. (FL)

XXXX sent business representatives to my business to set up a business account. The sales rep made promises and she didnt execute on them. I went to a XXXX location where I cancelled the account and returned the phones. XXXX continued to bill me every single month. I went back to the location and they told me my account was cancelled and they were not able to figure out why I was being charged. The XXXX reps told me to call my bank and block the charges. I HAVE NOT MADE 1 PHONE CALL during my time with XXXX and THEY WANT {$1400.00}!
Consumer complaint received 2020-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

Hello To Whom It May Concern, I have been trying to fix this the past few months and now the covid 19 going around i need to be fixed more than ever. I have been using my XXXX XXXX and noticed Dept Of  Ed/XXXX  late fee 's of a total of 48 on XXXX   and 54 on equifax. I was told by the studen loan company more than once that these late fee 's will not count against my credit score since I've been there a  long time and most of them are the same ones repeating since I have a few different loans. Each time I call they say the same thing that XXXX, equifax and XXXX  should not be showing this. I have wrote countless letters. Under the fair credit reporting act 609 this has been going on well over 90 days. I have been in contact with XXXX, equifax and XXXX  also and it just goes around in circles the blame game.
Consumer complaint received 2022-07-14
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. (NY)

I sent a letter off on XX/XX/2022. Here are my tracking numbers # XXXX, XXXX, and XXXX To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681 : 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. Also according to 15 USC 6802 : No financial institution is not suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2021-10-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK (GA)

I contacted Discover to get my account current and up to date on XX/XX/XXXX. Was advised by first agent that he needed to transfer me over to another agent to have a new card sent. This is after I had placed a XXXX payment. Then the next agent advised would have to contact next day after payment post to get new card. So of course I reach out on the next day XX/XX/XXXX and speak to another agent who advises that my account is closed and a new card can not be sent. This clearly could have been shared by the first two agents on XX/XX/XXXX. But instead they chose to take my money and not advise me of account closure and led me to believe this would make my account current and I would be able to get a new card sent.