davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-27
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. (FL)

I have sent several complaints to you recently, and told your credit bureau to " investigate every piece of information '' on the account listed below. I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. Account Name : XXXX Account Number : XXXX ..... According to the FCRA the term " investigate consumer report '' means a consumer report or portions thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through persoal interviews with neighbors, friends, or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning any such items of information. They stated the account was verified by how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on this account is still not reporting 100 % accurate. And according to the FCRA 15 USC 1681, everything has to be 100 % accurate. I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. I am not consenting to opening another dispute as your credit bureau has been given more than sufficient and lawful time to do so. In addition I have once again reached out to the reporting company & not to my surprise has confirmed you all are not reporting correctly and refuse to correct these errors. After numerous attempts your bureaus continues to willfully report inaccurate information and has caused credit worthy damage to my credit. I have filed complaints with the FTC, CFPB, and directly with your credit bureau ( phone, mail & fax ). I have documented all of my efforts and will pursue all resources available to me.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (TX)

Online offer was issued in my name, after reports made about returns to outside merchants. This Merchant lead me to believe, corrections would be made but never was. I notice amount kept increasing and I was not using the credit card. I contact them again about the ongoing increase this Merchant failed to correct but lead me to believe everything would be taking care of and for me not to worry this Merchant filed to credit report instead of making correction clearing balance. As of XX/XX/2023 this Merchant for years now have fraudulently continue to report this information this has harmed me in a great way. Merchant is under a bank that extended credit to me for account was opened using my name. I am now blocked from any increase credit due to the fraudulent account Merchant keep reporting. I notified credit bureau years ago but they keep allow Merchant to make reports of owing balance when I owe nothing, Merchant failed to handle account in my name for fair investigation, plus allowed ongoing billing to be added to my name leaving a balance of XXXX I never charged this amount and asking for removal and never to be reported using my name.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Subject : Immediate Demand for Deletion and Suppression of Fraudulent Information Due to Identity Theft To Whom It May Concern, I am writing to demand the immediate deletion and suppression of fraudulent information currently present in my credit file. As a victim of identity theft, I did not authorize or make the charges associated with the items listed in the enclosed report. This false information is damaging my credit report, and I require that it be corrected without delay.

I reported the theft of my identity to the Federal Trade Commission ( FTC ) and have enclosed copies of the FTCs Identity Theft Affidavit as supporting evidence. Despite this, it has been over 30 days, and your agency is now in VIOLATION of federal law for failing to take the necessary action to correct my credit file.

As per 15 U.S. Code 1681c2, a consumer reporting agency must block the reporting of any fraudulent information in the file of a consumer, identified as resulting from identity theft, no later than four days after receiving notice. This legal requirement has been ignored, and I demand that the fraudulent items be deleted and suppressed immediately.

Your agency 's failure to comply with this statute and take swift corrective action is unacceptable. I expect full compliance with federal law and that my credit report be accurately updated within the next few days. If you continue to ignore this request, I will not hesitate to seek legal recourse to enforce my rights under the Fair Credit Reporting Act ( FCRA ).

I anticipate a prompt response and resolution of this matter. Please confirm in writing once the requested deletions and suppressions have been completed.
Consumer complaint received 2023-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent several complaints to you recently, and told your credit bureau to " investigate every piece of information '' on the account listed below. I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. Account Name : XXXX Account Number : XXXX ..... According to the FCRA the term " investigate consumer report '' means a consumer report or portions thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through persoal interviews with neighbors, friends, or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning any such items of information. They stated the account was verified by how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on this account is still not reporting 100 % accurate. And according to the FCRA 15 USC 1681, everything has to be 100 % accurate. I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. I am not consenting to opening another dispute as your credit bureau has been given more than sufficient and lawful time to do so. In addition I have once again reached out to the reporting company & not to my surprise has confirmed you all are not reporting correctly and refuse to correct these errors. After numerous attempts your bureaus continues to willfully report inaccurate information and has caused credit worthy damage to my credit. I have filed complaints with the FTC, CFPB, and directly with your credit bureau ( phone, mail & fax ). I have documented all of my efforts and will pursue all resources available to me.
Consumer complaint received 2023-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MS)

I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.
Consumer complaint received 2023-10-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

My car was stolen on XX/XX/XXXX. It was recovered on XX/XX/XXXX. My car was totaled. Insurance deemed it a total loss. I used capital one to refinance this car in XX/XX/XXXX, at that time I had to submit title paperwork etc. My insurance has been waiting to send the total payout, but come to find out capital one never perfected the loan last year during my refinance. This has caused extra amounts building against my loan. The title is still not perfected. 

The title was perfected on XX/XX/XXXX and my insurance company still can not get a hold of this company.
Consumer complaint received 2018-01-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jon Barry and Associates, Inc. (NC)

Hello The collections on my report XXXX XXXX XXXX in the amount of XXXX XXXX ( opened date XXXX/XXXX/XXXX ) They have refused to remove this account from my 3 reports. The 2nd account is XXXX XXXX XXXX in the amount XXXX XXXX ( opened date XXXX/XXXX/XXXX ) both company 's have refused to remove this from my report.
Consumer complaint received 2018-01-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

I 've sent Portfolio Recovery a debt validation letter XXXX 2017, requesting validation that the debt was mine by showing proof of an agreement with their client that authorizes them to collect on this alleged debt, an agreement that bears signature of the alleged debtor wherein the promises to pay the creditor and a complete payment history on this account so as to prove that the debt amount they wish to collect is correct. What I received from Portfolio Recovery Association was a letter from XXXX XXXXXXXX stating that the account reference has been acquired to Portfolio Recovery Association and three XXXX XXXX statements. This is NOT proof of validation.
Consumer complaint received 2023-09-27
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. (FL)

I have sent several complaints to you recently, and told your credit bureau to " investigate every piece of information '' on the account listed below. I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. Account Name : XXXX Account XXXX : XXXX ..... According to the FCRA the term " investigate consumer report '' means a consumer report or portions thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through persoal interviews with neighbors, friends, or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning any such items of information. They stated the account was verified by how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on this account is still not reporting 100 % accurate. And according to the FCRA 15 USC 1681, everything has to be 100 % accurate. I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. I am not consenting to opening another dispute as your credit bureau has been given more than sufficient and lawful time to do so. In addition I have once again reached out to the reporting company & not to my surprise has confirmed you all are not reporting correctly and refuse to correct these errors. After numerous attempts your bureaus continues to willfully report inaccurate information and has caused credit worthy damage to my credit. I have filed complaints with the FTC, CFPB, and directly with your credit bureau ( phone, mail & fax ). I have documented all of my efforts and will pursue all resources available to me.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I submitted a complaint last XX/XX/2023 for the removal of the fraudulent items but they are still reporting on my credit report. This is why I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

On XX/XX/2022 I applied for a XXXX XXXX credit card in order to receive discounts. The terms and conditions were never disclosed, mainly the interest rate. When I received the card and terms and conditions in the mail on XX/XX/2022, I immediately called the phone number on the paper work. Told them due to the interest rate on the card I would not be activating the credit card and did not accept the terms and conditions. I was told I " automatically '' accepted the terms and conditions when I applied, but how can you accept something you are not provided a chance to review? I informed the customer service rep that without my consent the account could NOT be opened. AND my consent was not giving after receiving their terms and conditions. Today, I received notification that there was a change in my credit report. XXXX XXXX XXXX aka XXXX 's reported the account as opened and closed. I again immediately called and told them I DID NOT accept their terms and conditions. I was informed they were not required to disclose the terms and conditions during the application process, that is simply NOT true.
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: Experian Information Solutions Inc. (LA)

I have information on my credit report that does not belong to me. I contacted the bureaus, but they did not remove the accounts from 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 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 2023-10-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: TRUIST FINANCIAL CORPORATION (WA)

Truist ( simply one of the worst banks i've ever had the misfortune of working with ) cancelled my bi-monthly recurring payment without reason and without notifying me ( was scheduled for XX/XX/XXXX ). Additionally, they are not letting me make a payment at all ( says payment options are unavailable to me ). 

All I want it to be set up on recurring bi-monthly payments as their offering suggests, without them canceling payments behind my back and not letting me reschedule. So frustrating, I've never worked with a bank that makes it so difficult to PAY. Anyone that reads this please AVOID TRUIST BANK AT ALL COSTS.
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. (OH)

Earlier this month ( XX/XX/2023 ), I received notice from my mortgage holder, XXXX XXXX XXXX, that my loan was being switched to their servicing company, XXXX XXXX XXXX. Nothing changed about my account, it is still in good standing, except my loan was assigned a new loan number. This is simply moving my loan to a different arm of the same company. As a result of this arbitrary change, Equifax reduced my credit worthiness by XXXX points to a XXXX credit rating because it says my loan was closed! 
My loan was not closed, merely transferred to another part of the same company. 

This can not stand! I work hard to keep my credit rating in the Good range and this arbitrary change or miscommunication between the lender and credit rating service unjustly penalizes me. 

Please see that this is corrected as soon as possible. I need the good credit rating I earned to continue uninterrupted. 
Thanks for your assistance. 

The notice from XXXX XXXX states, " To help you get settled in, there will be no late fees or negative credit reporting during your first 60 days with XXXX XXXX. ''
Consumer complaint received 2023-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-09-27
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)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-10-05
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. (VA)

Account info Account name XXXX XXXX  Account number XXXX 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 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I requested that the credit bureaus do a theral review of my credit files to be sure that everything was reported accordingly, they did but when I review my report by myself i find many inconsistencies. and the debt listed is not mine and can't be proven as they are fraud, I am a victim of fraud. Being aware of the fair provisions of the fair debt collection practices act ( FDCPA ) I'm requesting full validation. proof that I am the party responsible for the debt and that there is some contractual obligation which is binding on me to pay it. In accordance with the fair credit reporting act convergent account listed have been violating my rights 15. usc1681section 602A sec2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

Credit bureaus received my dispute letters on XX/XX/XXXX and still have not replied back. By law they have 30 days, I have sent in a Demand to Comply letter to the credit bureaus and still not response back. These negative items are negatively affecting me and causing me a hardship and will need these items removed ASAP due to not response from the bureau. I have attached the Demand to Comply and the Dispute letters that were sent out to this claim.
Consumer complaint received 2023-10-20
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (CT)

We received two debt collection letters from I.Q. Data International, Inc.in XX/XX/2023 to collect the bill which we have paid in XX/XX/. We have contacted I.Q. Data International , Inc. four times by both phone and mail in XXXX and XX/XX/XXXX  to provide the evidence to dispute the debt, but did not receive any response from them. They kept ignoring what we provided and put a collection on our credit report.