davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-18
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. (TX)

I am writing to formally dispute several unauthorized credit inquiries appearing on my credit report. I am a victim of identity theft, and these inquiries were made without my knowledge or authorization. Below is a list of the inquiries in question : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These inquiries have caused significant harm to my credit profile and personal peace of mind. In accordance with the Fair Credit Reporting Act ( FCRA ), Section 605B, I am requesting the immediate removal of these unauthorized inquiries from my credit report.

I am exercising my rights under Section 605B of the FCRA. You are legally required to block and remove all inaccurate and unauthorized information stemming from identity theft immediately upon receiving this notice. Failing to act in accordance with federal law could result in legal action
Consumer complaint received 2018-04-27
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. (NJ)

XXXX is reporting a credit card account on my credit that does not belong to me through Transunion, XXXX, and XXXX. I did not authorize or had knowledge if this account. Furthermore, once I became aware of it via my credit report I noticed that it is reporting with big questionable errors. It looks fraudulent. It is reporting as XXXX XXXX XXXX account and XXXX account, Please see attached copy of my credit report. I am requesting that this fraudulent account XXXX and XXXX be permanently deleted because neither of them belongs to me effective immediately.
Consumer complaint received 2019-11-14
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: Robinson, Reagan and Young PLLC (TN)

Credit report My son received a letter dated XX/XX/XXXX from Robinson , Reagan & Young , PLLC. In the letter, it stated that my son had an outstanding bill of {$130.00} with an added fee due o {$42.00} for a total of {$170.00}. Upon receipt of the letter, I first tried to call the company and left a message for a person named XXXX. I then sent a letter dated XX/XX/XXXX requesting a copy of the original bill. 
I then received another letter, which did have a copy of the bill. I then called Robinson, Reagan & Young PLLC to confirm that this was a valid bill and I was willing to pay it. But I was informed that it was already on my son 's credit report. 
I had done everything required within a 30-day window. Now I'm reluctant to deal with this law firm.
Consumer complaint received 2019-11-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Enterprise Systems, Inc. (TX)

I need the phone calls 3-5 times a day and letters to stop. I told XXXX XXXX, XXXX, XXXX, XXXX, XXXX, National Enterprise Systems, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX  to stop, send a settlement or reply to letter within 30 days or else debt is canceled already.
Consumer complaint received 2019-04-23
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. (UT)

This account was not originally disputed, but it is no longer valid. It has been paid in full since XX/XX/XXXX and has had a XXXX balance ever since. I have disputed this report on numerous occasions by phone and in writing, which should not be reason to have it remain on my credit reports. Written request from XX/XX/XXXX and XX/XX/XXXX, through this year have been ignored. I can not get anyone to respond and there has  been no resolution. 

I am being penalized on my mortgage loan and need immediate action from this lender by removal of this long since paid off account from all three reporting agencies.
Consumer complaint received 2019-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (UT)

This account was not originally disputed, but it is no longer valid. It has been paid in full since XX/XX/XXXX and has had a XXXX balance ever since. I have disputed this report on numerous occasions by phone and in writing, which should not be reason to have it remain on my credit reports. Written request from XX/XX/XXXX and XX/XX/XXXX, through this year have been ignored. I can not get anyone to respond and there has been no resolution. 

I am being penalized on my mortgage loan and need immediate action from this lender by removal of this long since paid off account from all three reporting agencies.
Consumer complaint received 2019-04-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (IL)

Saturday, XX/XX/XXXX I received notification via mail from " PayPal Credit/Synchrony Bank c/o XXXX XXXX XXXX, XXXX '' of changes to my account terms. 
I am a regular Pay Pal user but have never had any credit account with Pay Pal. I called to inquire about this notice and was informed I had an open Pay Pal Credit account with a {$15000.00} ( XXXX XXXX ) credit limit that was opened on XX/XX/XXXX. This " virtual '' ( their description ) account has standard credit account fees including late payment, APR 's, cash advances, etc., and as of the date on the notice ( XX/XX/XXXX ) is managed by Synchrony Bank. It also should be noted while this account has been open since XX/XX/XXXX, this is the first communication I have ever received. 
I immediately had the account closed and subsequently has a conversation with " XXXX '' in customer service at Pay Pal Credit about how an account was opened in my name without my authorization. She informed my Pay Pal had all the necessary information including my SSN to open a line of credit but they do not keep records of signature authorization as they are a " virtual company ''. XXXX also informed me concerns about the potential impact this could have on my overall credit rating was null as Pay Pal does not report to the credit bureaus. While that may be true, Synchrony Bank services Pay Pal Credit accounts and they do. 
I initiated a fraud investigation with Pay Pal Credit over my concerns Pay Pal is opening lines of credit for their users without proper authorization. ( Of note, my mother-in-law received the same notice via e-mail about her Pay Pal Credit account which she never opened. She is in her XXXX 's and wouldn't even know how to do this. ) I did not authorize Pay Pal Credit to discuss my account with law enforcement without my participation in the conversation.
Consumer complaint received 2018-05-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (AK)

both XXXX and XXXX have called me after explaining to them that needed to reach XXXX XXXX XXXX that I am working through. I have been requested from the XXXX XXXX XXXX to change my phone over to them. 

Both 800 number have called my cell number so many times that it is costing me money and now they are harassing my work place. 

I have contacted XXXX XXXX XXXX about them calling my work number too. 
Again, I have asked these two 800 numbers to reach my XXXX XXXX XXXX Counselor who is working with me.
Consumer complaint received 2018-04-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (OH)

This card was payed off in XX/XX/XXXX and there were charges made on it inXX/XX/XXXX then the card was defaulted on in XX/XX/XXXX these are fradulent and I wasn't aware of them till recently.
Consumer complaint received 2019-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

XXXX is reporting 2 closed accounts of XXXX to Transunion with late payments on XX/XX/XXXX however these accounts were on deferment at the time.. This accounts were paid in full long time ago. I tried to fix this problem several times with XXXX and Transunion and the outcome always is that they don't fix It. I am a XXXX XXXX  XXXX veteran and this issue is affecting me.
Consumer complaint received 2018-06-27
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: General Motors Financial Company, Inc. (VA)

On or about XX/XX/2016 I was victim of a stolen car that was financed through GM Financial. My insurance company later deemed the car as a total loss and paid GM Financial about {$24000.00} around XX/XX/2016. There was still a balance of between 2-3 thousand remaining on the contract. Being that GM Financial received a payment from my insurance company around XX/XX/2016 I  assumed that this payment would cover my XX/XX/XXXX regular installment payment and that I was safe  until my Gap insurance company concluded their part in paying the remaining balance. I received a call from GM Financial in the later month of XX/XX/XXXX making me aware that I was past due on this account and that I needed to make a payment, therefore soon after I made a payment of the balance owed and the next month 's balance until the GAP insurance payed off the rest. GM Financial dinged my credit report as being past due 30-60 days due to a miscommunication between me and their CSR. I am not sure how the payment was 30-60 days past due when it was only the month of XX/XX/XXXXpayment missed and I made a payment in XX/XX/XXXXfor the month of ( XX/XX/XXXX & XX/XX/XXXX ) once notified by the CSR. Prior to this incident I have never been late on a car payment with GM Financial. Due to the misunderstanding of me thinking that the insurance payment would be applied in the same manner as a regular payment coming from me I thought that it covered my regular payment as well. I have tried contacting GM Financial through many different channels to get this issue resolved. I am not asking for information to be deleted due to willful neglect, I am asking GM Financial to also see this issue from a customers perspective and also note that it is partially the fault of lack of proper communication that made this issue occur. 
XXXX  XXXX XXXX Acct # XXXX
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-10-18
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: Experian Information Solutions Inc. (PA)

I have contacted the Creditor and also contacted Experian to perform a thorough investigation into this matter. I have notified this creditor that I dispute this alleged account. The creditor sent me a letter and stated that per my request the account would be ceased but this account is still currently reporting to my Experian report. It was deleted and then reinserted again, which is a violation per the letter that was received. Please remove from my consumer report
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TN)

Hello and Good Day I reached out to Experian credit bureau through certified mail to dispute this matter which I am unaware of. I XXXX XXXX XXXX XXXX never gave these companies : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX VIA DEALER XX/XX/XXXX XXXX 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 XXXX, XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX I did not give permission in any shape, way or form to run my information nor do I know how they got my information. When I realized these hard inquiries were on my credit report I took action right away, since I didn't recognize it. What I did was sent out an unauthorized inquiries document that I typed up. Sent it certified ( A copy of the letter and the copy of the certified ticket is attached ). This is what I wrote I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized
Consumer complaint received 2019-11-14
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)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft from a corporate security breach. This information does not relate to [ transactions that I have made or accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.I have tried through written correspondence, yet Transunion has ignored my disputes The acounts are as follows : XXXX : XXXX XXXX XXXX : : XXXX XXXX : XXXX XXXX XXXX : XXXX SXXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX : XXXX
Consumer complaint received 2019-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

From XXXX through XXXX of XXXX, I was unable to pay my Capital One credit card due to the Government shutdown that had taken place around XX/XX/XXXX and lasted approximately 35 days. I work as a certified XXXX XXXX, and my wages were put on freeze during the shutdown, placing me in a position of temporary hardship. I missed 3 payments on my capital one credit card, putting me at 90-day delinquency on my credit report. However immediately paid the entire balance once I began receiving my wages. I send Capital One a Goodwill letter explaining the situation and requesting that they remove the delinquencies from my credit report, and also provided a letter from my employer. They sent me a letter declining to delete the derogatories from my credit profile.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX15 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 inaccurate information on an 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. 

In XXXX XXXX  unauthorized and fraud charges were placed onto my account ( authorized user account ) in a foreign country where I was never there. 

Reported this to XXXX XXXX XXXX XXXX XXXX  and they sent out a letter after the investigation stating I would not be liable and that the account is closed. Unfortunately not all the credit bureaus are on the same page. Therefore it is still reflected negatively on my Equifax report which is causing my otherwise credit score to take an unfair dip and also reflects a balance amount that is delinquent but not mine. 

Again, this has been reported to XXXX XXXX and I also filed a report to the Identity Theft agency. Ive attached all the letters and documents to that stated facts. 

This inaccurate reporting has caused my otherwise perfect credit score to take an unfair drop in the score which could impact my ability to obtain credit, if needed for me and my family.
Consumer complaint received 2018-04-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

This card was payed off in XX/XX/XXXX and then someone made purchase s on it in XX/XX/XXXX and then defaulted on it in XX/XX/XXXX and I wasn't aware of these fradulent charges till recently.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (HI)

On my XXXX credit report XXXX added a personal statement from me which is Fraud and the personal statement reads do not extend credit to me and to verify any personal details about myself with this phone number XXXX for seven years starting XX/XX/XXXX I no longer have that number XXXX and have filed twenty disputes online. By mail and over the phone XXXX who added personal statement refuses to update my phone number and remove the personal statement that I did not make. The personal statement has caused undue hardship poverty and exorbitant fees on myself and my children The personal statement by law should only be on and on my credit report for two years legally XXXX has extended this period to include five mores years in total of 7 years ending XX/XX/XXXX I am unable to get a home loan, school loan and auto loan and a home rental because of this personal statement produced by XXXX and added w out my permission with an incorrect phone number and they will not remove this statement nor will they update it with the correct phone number which has affected my livelihood I have had repossessions paid exorbitant rates its like I am bankrupt w a credit score of XXXX XXXX is the only one one who can add a personal statement or remove a personal statement I have begged pleaded filled out disputes and no one will help me change this information and has caused significant hardship in my life mentally and financially and totally time consuming and nothing changes on my credit report Today I was denied for XXXX XXXX and XXXX XXXX cards which I would have been approved had it not been for this personal statement because the company has to call the wrong number to verify my identity added to my file by XXXX Thanks XXXX XXXX has changed my PIN number passcode XX/XX/XXXX as well this is an XXXX insider and I have suffered over a XXXX XXXX dollars in damages
Consumer complaint received 2023-10-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Mandarich Law Group, LLP (WA)

Today XX/XX/XXXX I called Mandarich Law Group to speak to them about my account and I was informed by a rep who said that they were a non attorney debt collector that I am in the process of being sued on my account. When I asked why I was informed it was because I missed a payment in XXXX and XXXX and for both of those I called in and asked them not to pull as I had XXXX major life events. When I spoke to them about these payment no representatives mentioned anything to me. I have been paying religiously since XXXX on this account without missing any payments until XXXX months this year. When I spoke to the representative today and I asked why I was being sued and no one mentioned anything his response was did you hold up your end of the agreement. No I asked to skip XXXX payments under the assumption that they were moved to the end of my agreement like an extension. I also dont know how a non attorney debt collector can claim that I am being sued after they also say my debt isnt in collections and its sitting in a state where I can be sued anytime they want to proceed with doing that but who I spoke with said they were a debt collector by a non attorney debt collector and it was an attempt to collect a debt. Please someone make it make sense.