davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-12
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-06-07
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)

n accordance with the Fair Credit Reporting act XXXX Account # 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 2022-06-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synergetic Communication Inc (VA)

I have received numerous phone calls, and a letter from Synergetic Communications , Inc for a bill they claim is owed for over XXXX dollars. The letter is vague and does not provide any information about the original creditor. SynerComm refused to give me information. I am assuming it is a medical bill ( because I had a bill similar to this amount which was paid in full ). I told SC this information but they did not listen. They asked for my address and DOB. I felt obligated to share because I called them based on the letter. I am a senior citizen and do not appreciate this tactic. If I knew who the original creditor was I could provide the proof. I do not trust this company and who they claim to be. I pray this is not a scam since I provided my DOB. Please help!
Consumer complaint received 2022-07-27
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. (CA)

Hello I received a copy of my credit report and found a host of inquiries that i was unaware of that I had pulled during the purchase of my car last year as well as other inquiries from loan requests. I'm hoping to get these inquiries removed as they are affecting my credit and my ability to further my credit abilities any help is greatly appreciated. 

XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Experian XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Experian XX/XX/XXXX XXXX XXXX XXXX XXXX Experian XX/XX/XXXX XXXX XXXX  Experian XX/XX/XXXX XXXX XXXX  XXXX Experian XX/XX/XXXX XXXX Experian XX/XX/XXXX XXXX XXXX  Experian XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Experian XX/XX/XXXX XXXX XXXX XXXX Experian XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Experian XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Experian XX/XX/XXXX XXXX XXXX XXXX Experian XX/XX/XXXX XXXX  XXXX XXXX Experian
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the 3 credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-27
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. (NC)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$600.00}
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-07-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LTD Financial Services, L.P. (GA)

Per certified mail tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX Attorney General and FTC
Consumer complaint received 2022-07-12
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. (DC)

In accordance with the Fair Credit Reporting Act. The companies listed below violated my federally protected consumer rights. 

XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C . 1681 a states I have the right to privacy.

15 U.S.C. 1681 Section 604a Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-09-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX I linked XXXX XXXX dollars from my SOCIAL SECURITY XXXX XXXX XXXX to my small business account, which was in an overdrafter for negative XXXX XXXX and XXXX dollars but my linked SSN acted as an overdraft protection account and paid the fees, within 3 days the Social Security XXXX softed pooled my credit report because I linked my brother 's as well because I was his payee for his XXXX benefits. I figured XXXX XXXX was to much for that only XXXX XXXX and XXXX XXXX dollar insured account, so I dropped the balance from XXXX XXXX and XXXX XXXX to, XXXX and XXXX XXXX. Someone within two days in the private closed the savings account down and added the XXXX XXXX and XXXX XXXX dollars to the checking account, which brought the balance to XXXX XXXX XXXX dollars. I was concern then ... For almost a month in a half I tried fully linking the account. I called but the banker ( lady ) on the phone at the bank said she couldn't see the linked account, so I made it my duty to go up to the bank to see what was going on because the amount revealed XXXX XXXX percent approved and the account identified and verified my name but on XX/XX/XXXX before I arrived to the bank, someone had shut my account down and still to this day I have not received my funds in n the account and still owe the XXXX ( the account is my prepaid and exempted account, I'm age of majority and competent to say so and filed a XXXX report on it too. ) and I even tried reopening an account online and was approved but someone shut that one down too and I used my birth file date to open it, instead of my birth charted date of birth to open the account and it went through. Their withholding my assets with prejudice and I used my SSN and EIN to open that account but the SSN is where the source of the funds came from. I'm alive and the ttee and beneficial owner ( merger accounts ), without prejudice, XXXX XXXX XXXX, XXXX XXXX.
Consumer complaint received 2022-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (GA)

XXXX XXXX XXXX ( XXXX ) is the insurer for Chase Sapphire Reserve. I made a claim to them for an airline delay that caused me to miss a connecting flight in an amount exceeding {$1600.00}. They required me to get a " Common Carrier Statement of Delay '' from the airline. 

I called XXXX 3 times over the past 6 weeks and used their chat feature once to make the request. I was told every time that they would provide me the form within 5-10 business days. I have never received it. I am going to lose {$1600.00} unless they provide me the statement of delay. 

I told XXXX  that XXXX will not provide it, but did however provide other proof that the flight was delayed by more than 8  hours ( screenshots from XXXX app showing delay ; flight aware tracking ; and XXXX 's webpage showing the delay. ) I requested that they consider this as proof and process my claim which they have declined to do.
Consumer complaint received 2022-07-12
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (CA)

In XXXX of XXXX i contacted target regarding fraudulent charges that had occurred on my Target sore card account. The fraud department assured me i will not be liable for said fraud charges and they will initiate an investigation. I asked in the meantime what will i do about the balance and the representative informed to do nothing until i receive a letter about the results of the investigation. 

Fast forward to XXXX i was alerted by XXXX that i have a XXXX late payment from Target store card. I was shocked because i did not receive any correspondence from target since i last spoke with them in XXXX. When i called the customer service number i was told the instigation was completed XX/XX/XXXX and i had a balance left on the card that became past due. I informed the representative that i never received any correspondence from target regarding the completion of the investigation nor did i received any alerts/Emails/Calls or letters that i had a balance due. They apologized and had the matter escalated to the rep who handled this case. I was told the XXXX late report would be removed but no such thing has happened. My credit score has dropped by XXXX and im in the middle of purchasing a home.
Consumer complaint received 2022-07-12
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, XXXX 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
Consumer complaint received 2022-07-12
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. (NY)

On XXXX an account was opened for {$3100.00} by someone other than myself using my information. Payments were made, not by me, for a few months XXXX and XXXX of XXXX. Then, it was put to collections XX/XX/XXXX and charged off XX/XX/XXXX. I received XXXX notifications via email or regular mail, not me, that this was happening. I went to get a loan for a motorcycle on XX/XX/XXXX and was denied due to a ding on my credit. Once I looked into it I saw that XXXX XXXX was the Creditor and I called them on XX/XX/XXXX. They told me that it was a XXXX  year lease on a king size bunkbed and that I stopped paying for it so it is now off at collections for the amount of {$3200.00}. They told me that it was associated with an email of XXXX, not my email address. My wife called on XX/XX/XXXX and she talked to a man named XXXX and she was able to find out that my name was not associated with the account but that the last XXXX numbers of the phone number were XXXX, which is a fraudlent phone number on my credit report also. XXXX told us the vendors name for the bunkbed and it was a company, XXXX XXXX in XXXX PA and a phone number. I called the phone number and it was out of service. There is also a fradulent address in XXXX, PA on my credit report. XXXX told my wife that she could pay {$720.00} to close the lease over the phone with a credit card and it would take away this charge off from my report. I did not do this. We contacted the police and have since filed a report.
Consumer complaint received 2022-06-28
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: Experian Information Solutions Inc. (CA)

I have disputed XXXX XXXX XXXX XXXX serveral times and have completed all step in Experian email dated XX/XX/2022 since i have started the disputes. I have additional information for Experian review and i have sent XXXX XXXX this Information also. XXXX  XXXX has failed to respond to MY Request via mail and over the phone and it has been over 30 per Fair Credit Act. I have made server calls to their XXXX  Risk Manangment and tried to reach XXXX XXXX which they have stated no such person works for the company. XXXX  have continued to transfer my calls to a department that is not in operation. In XXXX I was able to talk to XXXX  supervisor of experian and she stated that no matter what proof i send in, that Experian is not willing to remove the account from my credit report. Over the years i have sent Experian Police reports, Affidavits, proff of address and my identification some of which i been certified mail. 

Also the last two times i Submitted complaints to the consumer financial bureau my credit score went down right after the complaints was filed decreased emails from epxerian. i do honestly believe that experian is doing this on purpose because i continue to file complaints on this topic. i will mail in the decreased emails with show the dates of the decreased which is right after the complaint was submitted. 

I have explained to Experian serveral times as to why i wanted to pay the account when i found out about car. As i stated to Experian i am a domestic violence survivor and wanted to keep my credit in good standing to find safe and suitable housing.
Consumer complaint received 2022-07-12
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: TD BANK US HOLDING COMPANY (CA)

I made. Return And made a payment After the return went through I shoud have {$20.00} credit balance Now they keep sending me statement and XXXX me for payment I spoke with channel at dispute XXXX XXXX For 2 hour and she check my account activity from XXXX of XXXX  and she found out that I was right she lefts note for a correction Target is a very crock company No one knows anything they have lots of loop holes there is not a one designated department Today XXXX called the corporate office after they waisted my time they couldnt help me Then at XXXX pm XXXX got a phone call from target XXXX she was very rude and was attacking me wouldnt allow me to speak she kept interrupt me cutting me off so I hang up the phone on her Target knows what XXXX doing tgey programmed Their employee to be in helpful all of these attempt is for target to ripoff consumers My issue is not resolved I am barraged Toyed Target is a XXXX XXXX XXXX XXXX company Tgey refuse to fix their problem and want me to pay
Consumer complaint received 2022-06-28
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: Resurgent Capital Services L.P. (MI)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (UT)

I got a loan for an XXXX of {$1300.00} and made one payment via my bank and then paid it off. I got various small purchases from Affirm and some of the bank direct payments failed, they notified me in a few days, and I switched the auto payment to my visa debit for the same bank and account. All went through. In the process they sent me an email saying they had tech problem and apologized. Now they have shown me as paying the monthly loans late, ruining my credit, and cutting my credit limit. I want them to rectify this and apologize. Im certain this has gone on with many others, particularly the elderly.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX/XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX Account Name : U.S. Bankruptcy Court : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX : Account Number XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TN)

1.I have never had an account with this company LVNV FUNDING XXXX, REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are LVNV FUNDING LLC the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to
innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.