davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-19
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 (SD)

Synchrony Bank Lowes is reporting 7 late payments to the credit bureaus. 

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-06-17
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. (VA)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE IAM A FEDRALLY PROTECTED COMSUMER THIS FRAUD ACCOUNT MUST BE DELETED AND REMOVED OFF MY CONSUMER REPOER PERMANENTLY AND INDEFINITELY NOW!!!! 

XXXX XXXX XXXX Reported : XX/XX/XXXX - {$460.00} Needs Attention Overview You have 89 % left to pay on this loan. 

Balance {$460.00} Highest Balance $ XXXX  Monthly payment {$25.00} Opened XXXX XXXX, XXXX ( 6 mos ) Term 24 months Payment History Youve made 100 % of payments for this account on time. 

Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX. XXXX, XXXX Current Payment Status 30-59 Days Late Worst Payment Status Current Account Details Account status Open Type Secured loan Responsibility Individual Remarks No Info Times XX/XX/XXXX days late XXXX Closed No Info See an error? 
CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN XXXX BUSINESS DAYS OF FRAUD RECEIPT DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving Credit Karma. 

DISPUTE AN ERROR Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX RESPONSE DISPUTE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!
Consumer complaint received 2023-06-17
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. (GA)

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-12
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (AZ)

Hi, I have had numerous issues with Hyundai motor finance USA. I have had two issues of getting deferments on my account and then they reported them as 30 day lates. Ive also had some late fees showing on my credit as 30,60 days late. Ive never been more than 26 days late on my account I have always made my regulatory schedule payments. I had an XXXX credit score and now because of Hyundai reporting 2 -30 day lates and 1-60 late my score of down to XXXX all due to Hyundai as every other account in my credit has and shows a perfect payment history. 

This needs to be corrected and stopped.
Consumer complaint received 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2018-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I sent an investigation request to the credit bureaus on XX/XX/XXXX, but they have not responded yet. They are supposed to respond within 30 days.
Consumer complaint received 2018-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (LA)

I've requested my yearly credit report from XXXX for several years and have been unsuccessful. I've called Equifax several times and they actually tried to charge me {$14.00} for one.
Consumer complaint received 2018-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CO)

XXXX/XXXX  ( XXXX ) This account was opened in XX/XX/XXXX XXXX last payment was XX/XX/XXXX and should have been closed or charged off 90 days after starting the clock for the 7 years of charge off reporting XXXX XXXX  re-aged the account to show closed on XX/XX/XXXX as a Charge off.

I also contacted the big 3 credit comps. and they wont change it even though the dates are reporting for my last payment. 

This account should be removed from my reporting due to age of 10 years plus from last payment.
Consumer complaint received 2018-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NV)

Chase abruptly closed my sapphire credit card account. A week or two earlier they had send me a mail request to up my credit limit which was approved.

I called them to ask why my card was being declined. They said the account was closed and they couldn't tell me anything more other than I would be receiving a letter in the mail in the next week.

In the meanwhile, my credit score has dropped 60 points overnight due to this account closure! I've done nothing wrong and I've attempted to address the situation with Chase but have been met with nothing but XXXX  bureaucratic responses.
Consumer complaint received 2023-06-17
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. (IL)

I submitted a dispute of this information to XXXX XXXX and received a letter stating that it would be removed and honored. I get an alert from CFPB stating my investigation was done and not honored. So someone is sending out conflicting information and I would like this reinvestigated and removed IMMEDIATELY. I will not honor 30-60 days anymore. I will take legal action.
Consumer complaint received 2023-06-16
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 2018-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MS)

I have disputed the address information on my Equifax credit report and they sent me proof that they deleted the address. After reviewing my credit report after receiving the results, I saw that Equifax had inserted the erroneous address back on my credit file. I disputed it again and this time they stated that they will not delete it at this time because of " prior documents that I submitted ''! I do not know what " prior documents '' that Equifax is talking about and the address needs to be permanently remove because it is not 100 % accurate per FCRA. I am a victim of identity theft and also a security breach at my job and I am trying to make sure that all of the information in my credit file is 100 % accurate. I am sending you a copy of the Equifax credit reports to support the information that I am submitting.
Consumer complaint received 2023-06-19
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. (NV)

For XXXX XXXX XXXX I have the right to contest any information on my credit report that I believe is inaccurate, per the Fair Credit Reporting Act. The data included in it must be documented and validated before it is shown to anyone else, because if not, then there will just have been one person who wasn't doing their job - which means more mistakes! I challenge the reportability of the allegations within my credit report. They simply are not true! My credit report is riddled with errors. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting! Please remedy the situation immediately. Non-compliance with regulations and the law is never acceptable! The government is watching you like a hawk. They want to make sure that all your claims are accurate and reported in the correct format, which meets both METRO 2 standards as well as FCRA requirements! Im requesting evidence to show why my accounts are considered delinquent or derogatory. The data provided is not complete, accurate, or up-to-date, and I demand that it be corrected.
Consumer complaint received 2023-06-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (OH)

2 Different agencies are collecting a debt that I have no knowledge of. Both agencies are stating they are medical debt from XXXX XXXX XXXX from date XX/XX/2017. I have no knowledge of this debt. Additionally, this is past XXXX 6 year statute of limitations. I have disputed with both collections agencies and they are both still being reported to the credit bureaus. I have not received any documentation of this debt from either agency.
Consumer complaint received 2015-07-06
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: STONELEIGH RECOVERY ASSOCIATES, LLC (GA)

I received a call from XXXX XXXX XXXX from Stone Leigh Recovery at XXXX eastern time. XXXX did not identify the name of his company on the phone call and did not indicate he was calling in regards to a debt. I told him that I 'm not aware of any personal debts and he should mail me official notice. XXXX wanted me to verify personal information and I refused. My ex wife has many debts that are no longer my obligation and the debt collectors like XXXX use misleading statements to try and gather personal information such as my last XXXX of ss #, mailing address and contact numbers. I learned of the company name after calling the number on the caller id and requesting from XXXX 's brother the name of the company.
Consumer complaint received 2023-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is now my 4th time contacting Transunion about this unauthorized inquiry that has been placed on my credit report without my consent/permission. 

I have been calling since I noticed the inquiry in XXXX. Each time I am told " there is nothing we can do. '' I have written letters and each time I am ignored and no proper investigation is conducted. 

The last letter was sent XXXX certified mail on XX/XX/XXXX with tracking # XXXX XXXX XXXX XXXX XXXX. I am restating the fact that I DID NOT apply for credit with XXXX XXXX nor is there an account in my name with XXXX XXXX. 

The inquiry placed on my consumer report on XX/XX/XXXX should be deleted. 

I have asked for a formal investigation into the inquiry, but to date I have not received this right afforded to me. 

As such I am asking for statutory and punitive damages be awarded to me for TransUnions willful choice to disregard my legal rights under FCRA for accurate consumer reporting. 

I am including a copy of the certified letter sent to Transunion asking them to investigate the inquiry. It was received by them on XX/XX/XXXX at XXXXXXXX XXXX according to XXXX tracking. 
I am including a copy of the certified mail receipt I am including a copy of Transunions response which did NOT include results of an investigation that I requested. 

They have continuously willfully ignored my requests for an investigation and accurate consumer reporting.
Consumer complaint received 2018-12-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rapid Mortgage Company (OH)

XX/XX/XXXX : closed on home ( FHA/fixed rate 30 year loan with escrow ) XX/XX/XXXX : 1st Payment set at {$1400.00} a month ) with Rapid Mortgage XX/XX/XXXX : receive notice our loan is being transferred to XXXX XX/XX/XXXX : receive letter stating our monthly mortgage statement is increasing to {$1700.00} XX/XX/XXXX : receive tax bill stating we are past due XX/XX/XXXX : Call XXXX  and I'm told all taxes are paid, we have a shortage and this is why we have a significant increase in our monthly mortgage payment. I am also told to request a Escrow Spread of 24 months to lower our monthly mortgage payment back down. 
XX/XX/XXXX : reach out to Rapid Mortgage and they investigate XX/XX/XXXX : make payment to XXXX for XXXX while Rapid Mortgage is investigating. Rapid Mortgage then sends a check of {$620.00} to reimburse us and write another check of {$780.00} stating that they miscalculated the taxes at closing XX/XX/XXXX : I send the check to XXXX, I wait a week and follow up as it was never showing in escrow. 
XX/XX/XXXX : I call XXXX and I'm told they received it and that everything is correct. 
XX/XX/XXXX : I call XXXX again as the check of {$780.00} is still not showing in escrow. I am told that it wasn't allocated in the proper place. Stated they would correct it. They did. It showed in Escrow the next day. 
XX/XX/XXXX : XXXX adjust our monthly payment to {$1300.00}. ( I'm thinking because the escrow finally got straightened out ), I call and confirm my theory with customer service. 
XX/XX/XXXX : receive letter from XXXX that our monthly mortgage payment is now increasing to {$1800.00} and that it is due to an Escrow Shortage of {$3400.00}. 
XX/XX/XXXX : I reached out to XXXX requesting an Escrow statement and for explanation as to why an entire years taxes is showing as the shortage amount, I was provided an Escrow statement ( that makes no sense to me ) and told that there wasn't enough escrow payment per month to cover taxes. 
XX/XX/XXXX : I reach out to Rapid Mortgage. They did a brief look at the situation and stated that it is no longer their problem and that I need to work it out with the escrow department with XXXX and that my monthly payment should be about {$1600.00} a month based on the numbers they are looking at due to tax increase. ( Taxes have gone up a {$1000.00} since closing XX/XX/XXXX due to value of home increase. ) XX/XX/XXXX : reached back out to Rapid Mortage requesting that they correct the error made at closing regarding our Escrow shortage. They estimated our Escrow at {$160.00} a month and this is not enough to cover PMI, Home Insurance and taxes. Therefore, why we are having a significant increase in our monthly payment.
Consumer complaint received 2018-11-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio (MD)

On XX/XX/2018, it was brought to my attention that someone had committed a fraudulent act on my identity. I received a collection notice from XXXX XXXX XXXX XXXX XXXX XXXX, where I have been informed that I have a {$520.00} delinquent debt. I called and inquired with this collection agency the reason for the debt. They told me that the delinquent account had originated from XXXX XXXX for a bed mattress that been purchased from XXXX XXXX, a company out of XXXX, Maryland. 

I explained to the collection agency, that I had never heard or purchased anything from this company. Additionally, I informed them that I had never received a bill advising me of the outstanding debt. I then contacted XXXX XXXX XXXX representative and they spoke with the manager concerning who opened an account with my data. They explained to me that for someone to be eligible for a leasing contract of the approval purchases any mattress ; the customer only required they provide two forms of identification. I am assuming that a person who used my identity was able to get a leasing contract approved fraudulently with XXXX company. 

I would like to file a complaint and request action to have this matter resolved. I am not responsible for the debt that was made and am willing to go to trial to show that I am not the person who opened the account.
Consumer complaint received 2023-06-19
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. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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  Account Number : XXXX Account NameXXXX XXXX XXXX Account Number:XXXX  Account NameXXXX  Account NumberXXXX Account NameXXXX XXXX Account NumberXXXX Account NameXXXX XXXX Account Number : XXXX  Account NameXXXX XXXX Account XXXX Account NameXXXX  Account Number:XXXX  Account NameXXXX XXXX XXXX Account Number:XXXX Account NameXXXX XXXX XXXX  Account Number : XXXX Account NameXXXX XXXX Account NumberXXXX Account NameXXXX Account Number:XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2018-12-12
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: EQUIFAX, INC. (CA)

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP as this very exhausting. Nobody wants to grant me a load because of this. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX