davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX Balance : {$610.00} XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$2000.00}, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) XXXXBalance : {$2000.00}, 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 2024-09-04
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: EQUIFAX, INC. (MO)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2023-05-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc. (AZ)

I received a {$70.00} deposit today XXXX XXXX XXXX  I made a couple of purchases and then was declined for a {$19.00} transaction when i should have had a {$50.00} available balance, I looked on the app and there was nothing justifying this, then for a brief moment there was a notification on my phone for XXXX {$35.00} charge I went back into the app and there was absolutely nothing reflecting this pending transaction, I went back in my records and show on XX/XX/ I did order some food for that amount and that must have been the billing company but I have not purchased anything from them since or have I had any transactions for that amount since that day so I spoke with support for my card Cash app and they said they made an error in XXXX for that transaction they debited my account then credited it back so I owed them that money but I never received notice of this, i didnt have a negative balance a d i have been depositing and using my account all this time and at no time did this appear as an amount i owe and why wait over XXXX to debit the funds from my account. This has caused so much stress I am on social security and that {$35.00} was my groceries for the week, if they had notified me at least I could have planned for this. They told me I would have to dispute this and would take 45 days for a response where I don't feel I should have to file a dispute, this wasn't my error it was there's and im not disputing i made the charge my issue is they never made me aware that they made an error and that they did not notify me of this I wasn't aware so the entire situation feels fraudulent. I attached a few screenprint, one shows my pending transactions for today and that transaction is no where showing on my account only the amount is missing but nothing to justify it and there's a screenprint of the transaction in question it shows it was completed and was deducted from my available balance on XXXX XXXX XXXX
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (MD)

I am writing to file a complaint against the three major credit bureaus ( XXXX, Experian, and XXXX ) for their failure to provide me with a history of disputes as requested in a letter dated XX/XX/2023. Despite my request for the information, the credit reporting agencies have refused to provide me with a history of disputes, in violation of the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2023, I sent a written request to all three major credit bureaus for a history of disputes, including any investigation results, that I have submitted to the credit reporting agencies in the past 36 months. However, instead of providing me with the requested information, the credit bureaus only sent me a copy of my credit report, which does not contain the requested information. 

I followed up with the credit bureaus to request the history of disputes again, but they have continued to refuse to provide me with the information. As a result, I believe that they are in violation of the FCRA, which requires credit reporting agencies to provide consumers with a free copy of their credit report and a history of disputes upon request. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate enforcement action against the three major credit bureaus for their failure to comply with the FCRA. I have attached a copy of my original request for a history of disputes, as well as any other relevant documentation that I have regarding this matter. 

Thank you for your attention to this matter. Please let me know if you require any additional information or documentation to support this complaint. 

Sincerely,
Consumer complaint received 2023-05-04
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. (MO)

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Marlette Funding, LLC (CA)

I gave them a cease and desist order on XX/XX/XXXX. Then I called to confirm that they received it because I received another piece of mail dated XX/XX/XXXX. On XX/XX/XXXX, I received two more pieces of mail dated XX/XX/XXXX.
Consumer complaint received 2023-05-04
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: EQUIFAX, INC. (CA)

I reviewed my Consumer Reports and noticed that I had erroneous reports on accounts that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX Balance : {$260000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$260000.00}
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2023, I disputed several items on my Experian credit report. The information was sent via certified mail and was received on XX/XX/2023. Its been 30 days since the confirmation has been received and Experian failed to response withing the time lime by federal law. Therefore, they are in violation of the following, 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make the charge or accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged ones with the items listed below showing on my credit report. I, therefore, request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 
XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX Balance {$170.00}, XXXX XXXX Balance {$2000.00},, XXXX XXXXXXXX Balance : {$7600.00}, XXXX XXXXXXXX Balance : {$2500.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XXXX XXXX XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WI)

It is the Credit Reporting agencies duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are not. Experian is reporting 10 inaccurate late payments for the XXXX with the account number of XXXX. This includes late payment ( s ) 30 days from XXXX XXXX 30 days from XXXX XXXX 30 Days XXXX XXXX 60 Days XXXX XXXX 60 Days XXXX XXXX 90 Day XX/XX/XXXX. It also includes 30 Days XXXX, XXXX, XXXX and XX/XX/XXXX. These are incorrect and supposed to be reported as Paid as Agreed. Furthermore, pursuant to 15 U.S.C 1681 a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person ( s ) making the report. A transaction constitutes these late payments resulting in Experian violating my Federally protected rights. To add to this, I did not give Experian written instruction/permission to furnish these inaccurate late payment ( s ) on my consumer report of file, thus violating 15 U.S.C. 1681 b ( a ) ( 2 ). It is clear that Experian has violated my Federally protected rights under the FCRA and the inaccurate reporting is causing me undue hardship and my reputation severe harm and discrimination.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to 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
Consumer complaint received 2023-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ARVEST BANK GROUP, INC. (AR)

Someone called my bank masquerading as me using my SSN to try to access my bank account. I fixed the issue by bringing my ID to a local branch a day later. This happened a couple of months after I was scammed with personal information becoming exposed, including my SSN. I filed for a fraud report and froze my credit shortly thereafter.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$780.00} XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX ) XXXX Balance : {$5000.00} XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

My Experian consumer credit report reflects an inaccurate address. The ( 2 ) addresses that I am requesting to be removed are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX I have never established residency or lived at these addresses and would like them removed immediately.
Consumer complaint received 2024-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (MO)

I want to file a complaint against synchrony bank for unfair credit practices. They increased interest rates on accounts to nearly 30 % and I am trying to increase my score to get things to lower interest options. Every time I pay off a synchrony account the reduce the credit limit from the XXXX or XXXX limit to less than {$500.00} usually to whatever balance will accommodate the interest they will charge on the balance paid off. They are actually hurting my credit score when they do this & manipulating my credit report to make it look worse when I pay off an account with them. They then use that info to increase my rate on remaining accounts using high balances to available limit as a reason. I hadnt noticed that synchrony had taken over all of the credit accounts until I started to pay them off. They have done this multiple times on multiple accounts I have with them. They most recently did this on my Venmo visa account, but they also did it on my PayPal MC, Care credit, JC Penney, and Torrid cards. They did do it to my Lane Bryant account 2 years ago & I got rid of it. Normally it doesnt bother me except that I called for explanation and they said of I didnt pay enough over the min for them. Basically I did everything I was supposed to & paid them off but not the way they wanted me to, They took over most of my credit accounts or they bought them & they are using the their power to manipulate scores & keep people from increasing them so that they are the only lender available. I have never defaulted or done anything to warrant a decrease in credit but they took my limit for over XXXX to {$200.00} after o paid my account off. This is credit score manipulation and Im sure they are doing it to others.
Consumer complaint received 2023-05-04
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SANTANDER HOLDINGS USA, INC. (TX)

On XX/XX/2023, Franchise, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX gave my information to a Santander Bank , N. A., formerly XXXX XXXX  , subsidiary of the Spanish Santander XXXX XXXX XXXX. XXXX XXXXXXXX s/n, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I did not authorize, XXXX XXXX XXXX XXXX XXXX to give my information to any third parties. 

The answer service clearly states the phone number is registered on the Do Not Call List.

A violation of the Do Not Call ( DNC ) can be up to {$43000.00} per call - varying from {$100.00} up to {$25000.00} per call. Santander called me four times. I have a home in Texas however I am a California resident - not a Texas resident. Also, XXXX XXXX XXXX XXXX purposefully gave my information to Santander without my knowledge or permission.
Consumer complaint received 2023-05-04
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: EQUIFAX, INC. (GA)

On XXXX I disputed several items on my Equifax credit report via certified mail and was received on XXXX I included the letter, driver 's license, social security card, and bill showing proof of residence. In return on XX/XX/, Equifax stated that I didn't not include any of those items. Attached are the documents included in the letter. I then followed up with a second dispute letter on XXXX showing those items once again. Therefore, Equifax is in violation of the following, 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Consumer complaint received 2024-08-28
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. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc. (TX)

I got a letter from a company called CCS stating I owe them a balance of {$89.00} for a previous insurance company. I called in the beginning of XXXX and asked for proof of this debt validity and have not yet received anything in the mail and they couldnt/didnt provide details.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Experian is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX. Also I am disputing these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX  am not late on these accounts I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: EQUIFAX, INC. (NJ)

My Equifax credit profile is showing in accurate record when accessed by approved lender. I contacted Equifax and was asked to send in paper work for correction to be made. I spoke with a Supervisor who was kind enough to attach a note of urgency to my case. It is been day now and the problem remained unsolved. I am about to to loose my locked in rate for a refi due to this. I never changed anything on my profile nor requested Equifax to do so. My file keeps showing FRAUD ALERT VICTIM INITIAL/MISUSED INFORMATION POTENTIALLY FRAUD when accessed by my Lender. 
I need Equifax to unlock or clear the alert for access ASAP.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MO)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.