davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-24
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: Experian Information Solutions Inc. (NM)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX 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 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 2022-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NJ)

As I was enrolled in autopay through XXXX Synchrony Credit Card, on or about XX/XX/XXXX, the company deducted the amount of {$1300.00} ( amount due as of closing on XXXX XXXX ) twice from my checking account. I immediately called to complain and was told that this amount could only be refunded to me and that this refund could take up to 7-10 business days. Following that time period, I again notified the company as I had not received the check. I was then told that it had originally been noted as a dispute rather than a refund and that the dispute could now take up to 90 days. This customer service agent switched the complaint to a refund and said I could expect the check within 7-10 business days. I did finally receive the check but upon looking at my statement, I saw the same amount listed as a charge on my account. This greatly added to the usual monthly bill I receive from XXXX ( hovers around XXXX per month ). I complained at least XXXX times on the phone and have written numerous letters to their customer service center. I even supplied them with all of the charges I made since XXXX and all of the payments I made since that time and it does not add up to an amount that includes the {$1300.00}. I include the letter of complaint I wrote earlier this month as well as an accounting of all of my charges and payments. I pay the balance in full as of the bill closing date monthly. However, at this juncture, that amount is way too high for me to pay in XXXX month ; I will therefore incur interest charges which I attempt to avoid by paying the balance in full. I am seeking a resolution to this or I would like to see the charges that amount to an additional {$1300.00}. Attached you will find my letter explaining the situation as well as all of the charges posted and payments made since XX/XX/2021 to this account.
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Hi my complaint is too major credit bureaus experian transunion and XXXX i found 2 accounts on my credit report that were fraudulent.I tried to fix it sent them an FTC report opening a dispute.Every time it comes back as verified as accurate.And thats when i realize how incompetent they are and how not serious they look at fraudulent information on your credit report.I mean you check your credit report you see inaccurate fraudulent accounts you dispute them and it comes back as verified as accurate? I can not say what investigation they are doing but the results are shocking what can i do from my end for these type of information to disappear from my credit report? I did FTC report and here is the FTC report number i will also attach the copy to this complaint.FTC REPORT NUMBER XXXX. 
First one is XXXX XXXXXXXX XXXX XXXX ACCOUNT NUMBER XXXX Second is XXXX XXXX ACCOUNT NUMBER XXXX Third is XXXX Account Number XXXX Also There are some personal information that is wrong and inquiries that are also fraudulent.
Consumer complaint received 2022-04-24
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: Experian Information Solutions Inc. (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

The mortgage account is reporting the account has been 30 days late which is inaccurate. I have listed below the dates of my payment and confirmation numbers, which will show the account has never gone past 30 days late. 

XXXX {$2100.00} XXXX XXXX -- - XXXX # XXXX. XX/XX/XXXX applied to your loan on XX/XX/XXXX. 

XXXX {$2100.00} XXXX XXXX -- - XXXX # XXXX. XX/XX/XXXX applied to your loan on XX/XX/XXXX. 

XXXX {$2100.00} XXXX XXXX -- - XXXX # XXXX. XX/XX/XXXX applied to your loan on XX/XX/XXXX. 

XXXX {$2100.00} XXXX XXXX -- -- XXXX # XXXX XX/XX/XXXX applied to your loan on XX/XX/XXXX
Consumer complaint received 2022-04-24
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. (GA)

The mortgage account is reporting the account has been 30 days late which is inaccurate. I have listed below the dates of my payment and confirmation numbers, which will show the account has never gone past 30 days late. 

XXXX {$2100.00} XXXX XXXX -- - XXXX # XXXX. XX/XX/XXXX applied to your loan on XX/XX/XXXX. 

XXXX {$2100.00} XXXX XXXX -- - XXXX # XXXX. XX/XX/XXXX applied to your loan on XX/XX/XXXX. 

XXXX {$2100.00} XXXX XXXX -- - XXXX # XXXX. XX/XX/XXXX applied to your loan on XX/XX/XXXX. 

XXXX {$2100.00} XXXX XXXX -- -- XXXX # XXXX XX/XX/XXXX applied to your loan on XX/XX/XXXX
Consumer complaint received 2022-04-24
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. (MA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX DEPT OF ED/XXXX Account # XXXX DEPT OF ED/XXXX Account # XXXX DEPT OF ED/XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX ha 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 2022-04-24
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act. 
The List of accounts below has violated my federally protected consumer rights to privacy confidentiality under 15 USC 1681. 
XXXX Account XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the s right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a report without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no furnish an account without my written instructions 15 U.S.C 1681c. ( a5 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 c crimes which antedates the report by more thans seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-04-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (AZ)

On XXXX XX/XX/2022 a debit collection on the name Jefferson Capital System LLC with the account number XXXX and post with {$480.00} With the address on XXXX XXXX XXXX, XXXX, MN XXXX I want this Collection Agency to provide in writing any agreement and my signature to prove I own them that amount of money If they cant provide this they need to cancel and announce the Credit Company to stop posting this in my account Again they need to provide letters with my Signature that I own {$480.00} to Jefferson Capital System LLC If they can I will appeal by The Federal Law protection of Consumers Fair
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CORELOGIC INC (CA)

My credit was denied by XXXX XXXX co of XXXX XXXX. XXXX reason stated was that I did not have sufficient equity in my home, however, I have over $ XXXX, so this was a blatant error. They did not check my home value before denying my loan application. 
Secondly, they denied my credit because they said that my amount owed on accounts was too high and that the length of revolving accounts have been established ( doesn't make sense here ). Well, with regard to revolving accounts I pay the balance in full every month. They said when I called about this that they might have made this error because they looked at the balance before I paid it ( again not making sense ). They also said that the 'ratio of balance to limit on bank revolving or other rev accounts is too high '. My credit card says that I can borrow up to $ XXXX, but I never even get close to this! 

Furthermore, my credit rating is XXXX or XXXX. I told my lender - Golden XXXX in California that this company is incompetent. They caused me a great deal of stress as I pay my bills every month in full. I do have a mortgage but again it is paid every month in full. Therefore I am asking that you reconsider any permits or ratings of this company. 

Thank you so much for being there. I did get my XXXX loan anyway in spite of this company. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, CA. XXXX XXXX
Consumer complaint received 2022-04-24
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. (FL)

In accordance with the Fair Credit Reporting act. 
The List of accounts below has violated my federally protected consumer rights to privacy confidentiality under 15 USC 1681. 
XXXX  Account # XXXX, has violated my + rights. 
15 U.S.C 1681 section 602 A. States I have the 55 right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not * Green Streencount without my written instructior- Q 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no furnish an account without my written instructions 15 U.S.C 1681c. ( a5 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 c crimes which antedates the report by more than-s seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to * IGrean Screen reporting agency if the person knows or has reasonable cause to believe that O the information is inaccurate.
Consumer complaint received 2022-04-24
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: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  XXXX XXXX Account Number : 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 2022-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP (MO)

XX/XX/XXXX I went into the XXXX XXXX branch of US Bank on XXXX XXXX  to have a name change form notarized. I have had a checking account with them since XXXX. After the banker notarized my petition and while I was getting ready to leave, she said she put in for the US Bank credit card and that it would be showing up in a few weeks. I was never asked if I wanted this card. Further, it is deeply upsetting to tell someone I am changing my name and they are then immediately forcing me to have something new with my XXXX name on it. I had to call new account member services and take time out of my day so they could shut it down.
Consumer complaint received 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2022-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (NY)

Hello, I stopped using a barclays jet blue MasterCard over two years ago. The card at the time i used it carried no fees. 

Ive received no bills, in paper, or electronically from barclays for over two years. 

Through using XXXX, I discovered that my credit score dropped over XXXX points due to unpaid bills from barclays.

I called barclays and explained that I hadnt use the card in two years and thus had no idea what the charges could be from. They explained that they had this year instituted a {$40.00} annual fee.

Because I had received no bills, the city remains unpaid, for two months, and was reported as a delinquent payment.

I explained that I had received no bills, and they vowed to take it off my credit score. However, I am concerned that this happened in the first place. 

I need to make sure that the bogus late payments are removed from my credit score. Thanks so much
Consumer complaint received 2022-07-29
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. (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 need to investigate and delete from erroneous reporting in my file are listed on my credit report : Bankruptcy XXXX XXXX Ref No.XXXX
Consumer complaint received 2021-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (TX)

On XX/XX/XXXX our XXXX XXXX was used at the XXXX XXXX  XXXX in XXXX XXXX Texas by someone other than ourselves in the amount of {$140.00}. We live in the XXXX area which is a little over three hours away and was not in XXXX XXXX that day. Unlike XXXX, who has called us on several occasions about suspicious charges and taken them off when we said we did not make the suspicious purchase in question, we heard nothing from XXXX. My wife discovered the charge when reviewing our statement and called them on XX/XX/XXXX. They credited our account on XX/XX/XXXX and then reversed the credit, putting the charge back on our account on XX/XX/XXXX. Despite many calls to XXXX XXXX they refuse to take the charge off. On one occasion the XXXX rep stated that it had to be us making the charge because it would be impossible to commit fraud because of the chip. This is insulting and ludicrous. Thieves figure ways to commit credit card fraud without the chip constantly. Case in point : fraud on our XXXX card that has happened several times. Our latest call was today. My wife discovered today that they had closed the case but it was reopened. My wife asked to speak to a supervisor but that did not occur. On XX/XX/XXXX my wife has been given the number of a case processor ( XXXX ) who stated on voice mail that she would return the call by the next day. My wife asked what the signature on the XXXX XXXX  charge looked like ; a XXXX rep said it was illegible. Our signatures are legible and we offered to send copies of our signature from old checks. This would clear up the whole problem by comparing signatures. Today the lady on the phone did not seem to grasp that if they really wanted to clarify the problem that this would do it. We would not suddenly use an illegible signature if our normal signature was legible. She said we could do that but they are not asking for that at this time. This is claim no. XXXX per XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2021-12-03
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: AMERICAN EXPRESS COMPANY (NJ)

American Express has failed to provide me with validation of the below accounts made pursuant to the fair debt collection practices act and fair credit reporting act, along with the corresponding state laws. 

I am requesting validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

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

Please be aware that any negative remark found On my credit reports ( XXXX ) from your company or any company that you represent, for a debt that I do not owe is a violation of the FCRA and FDCPA ; therefore if you can not validate the debt, XXXX must request that all credit reporting agencies delete the entry.
Consumer complaint received 2022-04-21
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. (TX)

In accordance with the Fair Credit Reporting Act, XXXX Account # 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 my account without written instructions.