davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-01
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)

o whom it may concern : The credit bureaus are once again violating my FCRA rights specifically 15 USC 1681 ( 5 ). According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. I previously asked XXXX, Equifax, and XXXX to verify an account being reported on my credit report as 30 days late, and all 3 bureaus quickly responded that the account was verified as accurate, but that account was never verified nor accurate. I even doubt any proper investigation was done at all. The reason why I am saying that is the account is XXXX  or XXXX, but the account number is XXXX on XXXX XXXX on XXXX XXXX and on Equifax Account # : XXXX XXXX XXXX Are not correct completed numbers. Xs arent any acknowledged numbers used by any known banking institutes to establish any banking accounts nor routing numbers, there for its not correctly verified to be accurate, and Accordin

g to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. According to 15 USC 1681 I have the right to privacy. According to 15 USC 1681s-2 A person shall n
ot 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 ( i ) the information is, in fact, inaccurate.

Look at the last dates updated on the reports, look at the balances, payments, etc all inconsistent, how is this verified as accurate? Come on now they keep resending the same automated results back instead of actually properly doing investigations and actually doing the work they are supposed to be doing. The time wasting is not appreciated, I am very saddened to keep having to play along with the games these bureaus are playing. This have been emotionally, and mentally draining. 

Lastly I even feel like my credit score is tempered with. Different sites give me different credit scores which really dont make sense. Everything can not be verified as accurate as is. Someone must be held accountable, something seriously must be done.
Consumer complaint received 2023-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently submitted a request for an investigation of the disputed accounts, which you claimed were verified. Since I believed you didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update the following accounts from my file. 
XXXX XXXX XXXX Balance : {$250.00}XXXX XXXX XXXXXXXX XXXX Balance : {$650.00}, XXXX XXXX XXXXXXXX Balance : {$18000.00}
Consumer complaint received 2023-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-02
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: EQUIFAX, INC. (NY)

I am writing to request an investigation and removal of certain information from my credit report based on the following provisions of the Fair Credit Reporting Act ( FCRA ) and other relevant federal regulations : 15 USC 1681A ( d ) ( 2 ) ( A ) ( i ) : This provision excludes from credit reports any information solely related to transactions or experiences between ( I ) the consumer and the person making the report.

15 USC 1801 : This provision establishes the policy of Congress that financial institutions ( person making the report ) have an affirmative and continuing obligation to respect the privacy of their customers and to protect the security and confidentiality of their nonpublic personal information.

15 USC 6801 : This provision reiterates the policy of Congress that financial institutions have an affirmative and continuing obligation to respect the privacy of their customers and to protect the security and confidentiality of their nonpublic personal information. 

15 USC 6802 : This provision prohibits financial institutions from disclosing nonpublic personal information to nonaffiliated third parties unless they provide or have provided a notice that complies with section 6803 of this title.

Based on these provisions, I believe that the following items on my credit report are in violation of the FCRA and should be removed : XXXX XXXX : All information including and/or related to late payments XXXX XXXX  : All information including and/or related to late payments XXXX XXXX : All information including and/or related to late payments XXXX XXXX : All information including and/or related to late payments Inquiries : All I kindly request that you conduct a thorough investigation into these items and, if found to be in violation of the FCRA or other applicable regulations, remove them from my credit report. Please provide me with written confirmation of your investigation and any necessary updates or removals to my credit report. 

Thank you for your prompt attention to this matter. I understand that under the FCRA, credit reporting agencies must complete investigations within 30 days of receiving a dispute. I look forward to your timely response. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Experian and XXXX are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$510.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX ) XXXX Balance : {$15000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$630.00} ; ( Original Creditor : XXXX ) XXXXBalance : {$610.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$1400.00} ; XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NY)

A staff attorney with The XXXX XXXX XXXX drafted a letter for me to send certified mail to Synchrony Bank/Venmo- making it the 3rd time I filed a dispute. We included all the documents from my XXXXXXXX XXXX checking account to prove {$680.00} was taken from my account, but Venmo still denies they received the payment. I stopped using the card and making payments in XXXX since it was useless. I normally pay my bill in full. Since then late fees and interest charges have been accumulating. 

They have damaged my XXXX and XXXX credit report. 

Here is a timeline of what happened. I have attachments to back it up : XX/XX/ {$680.00} was taken out of my XXXX XXXX account. 

This is what the app shows : XX/XX/ my account balance in the app was credited {$680.00} XX/XX/ my account balance in the was credited {$680.00} XX/XX/ my account balance in the app raised {$680.00} XX/XX/ my account balance in the app raised {$680.00} So all the transactions canceled each other out- the credits were canceled out by the charges. The charges and credits in the statements match those shown in the app. 

This is what is reflected in my Venmo statements : The Venmo statement named " XX/XX/ '' shows that {$680.00} was credited to my account on XX/XX/22 and XXXX. It also shows at the bottom of the charges that I was charged another {$680.00} on XXXX The Venmo statement named " XX/XX/ '' shows a charge of {$680.00} on XX/XX/. 

I filed a dispute twice which is why this happened twice. The dispute letters from Venmo say that they have no record of the transaction even though I sent them my bank statement and a trace number. The secure messages ask me to send attachments, but then the response says they can't accept attachments. After sending the certified letter Venmo opened and closed the dispute for the 3rd time not in my favor.
Consumer complaint received 2023-05-01
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. (TX)

In accordance with the Fair Credit Reporting act. All of accounts reported by credit reporting company have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2023-05-02
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. (TX)

This is my second 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 accounts 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 : {$24000.00} XXXX XXXX XXXX Balance : {$24000.00}
Consumer complaint received 2023-06-12
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. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-02
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: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-06-12
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

Experian is reporting inaccurate and unverifiable information on my credit profile. I have reached out to dispute this information and they said the information was verified. I have reached out the court and they furnished me a letter stating they have not verified nor reported any information any credit reporting agencies.
Consumer complaint received 2023-05-02
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. (FL)

I appreciate you making the effort to update and delete some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be removed as soon as possible. 
XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I have been unable to open a bank account for the past 2 years, and I want to dispute the fraud from Bank of America in my account. I was sent a fraudulent check by a bad business partner. Thinking I was doing a honest business transaction and was scammed for my money and time.
Consumer complaint received 2023-06-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

The mortgage lender pre-approved my application only to send me on a revolving cycle of confirming my financial transactions. They wait until my bills are due and make me verify my transactions all over which inhibits the closing process. Aside from that, the lender approved me for a conventional loan instead of a FHA loan to present more hurdles.
Consumer complaint received 2023-06-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Debt Mediation, Inc. (NM)

I moved out from an apartment I lived at for 2 yrs. When I moved out they did a walkthrough without me and said that my apartment was damaged and that I owed them almost {$700.00}. I did not feel that what they were charging me for was warranted as I also had taken pictures when I moved out. The Apartment Manager said that I could enter into a mediation if I wanted to dispute. I agreed to do this. 

At the end of XXXX I received a Debt Collection notice in the mail from a company called " Professional Debt Mediation '' stating I had been sent to collections for {$660.00}. 

On Friday XX/XX/XXXX, I called PDM and asked them why I was being sent to collections and that the Apartment company was supposed to do a mediation first, which was not done. I told them that they could not just send me to collection without proving that I actually owed this debt and that the apartment was damaged. I told them that I would file with CFPB, and Attorney General if this was not handled correctly. They said they would try and reach someone at apartment and to hold. They did not get anyone and then the next day I go t an alert on my credit stating they filed this debt with credit agency. 


Here is why I am disputing : 1. The damage, or debt was never substantiated 2. There was no actual Mediation set up 3. The Apartment company XXXX XXXX XXXX didn't send me any statement telling me they were sending me to collections, or mediation 4. There was no attempt from PDM to resolve, or prove that the apartment company did any of this Therefore, I believe this was filed fraudulently and would like this Removed from my credit.
Consumer complaint received 2023-06-12
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. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, EQUIFAX used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. EQUIFAX reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
Consumer complaint received 2023-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

It has been brought to my attention that you are not blocking files when I sent an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the following accounts listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TN, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TN, XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX  XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXX Balance Owed : {$8100.00}, XXXX XXXX XXXX Balance Owed : {$510.00}, XXXX XXXX XXXX Balance Owed : {$3100.00}, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-05-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (TX)

On XX/XX/XXXX  I sent a Certified Letter with Tracking and a Return Receipt Tracking to Caine & Weiner asking their office for Validation, Not Verification on the Creditor : XXXX  in the amount of {$120.00}. On XX/XX/XXXX  I received a Verification letter back from XXXX XXXX from the office of Caine & Weiner. The office of Caine & Weiner Did Not provide what I requested from their office. On XX/XX/XXXX  I then sent another Certified Letter with Tracking and a Return Receipt Tracking to the attention of XXXX XXXX who sent the letter from the office of Caine and Weiner and have not received a response back from their office. They have Violated my right to Opt Out under 15 U.S. Code 6802 ( b ). All three bureaus are also in Violation. I never received a letter giving me the option to consent the furnishing of any credit reporting to the bureaus, nor giving them permissible purpose to furnish private information. This is damaging and hurting my reputation in my everyday life due to not being able to receive credit, funding or approval, even for rentals.
Consumer complaint received 2023-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (WA)

Discover has insufficiently addressed my dispute XXXX. The order in question clearly indicates that the item was returned successfully and refund should be fully issued ( XXXX ). In this order, I was charged successfully for two monthly payments- one payment of XXXX XXXX XXXX and one payments of {$63.00} on XX/XX/XXXX. However, I have only received a refund of {$95.00} from the merchant. Upon careful examination of my transaction history with Discover, it is unmistakable that there is an outstanding credit amount of {$63.00} yet to be processed ( XXXX XXXX ). 

It is essential to emphasize that the {$180.00} displayed on the merchant 's order page solely represents the remaining payment balance and not the amount I have already paid ( Remaining Balance ). 

Moreover, my interaction with XXXX customer service on XX/XX/XXXX corroborated that a pending refund of {$63.00} remains unprocessed in the merchant 's account ( XXXX XXXX ), but somehow merchant indicated they have resolved it with my card issuer, which is Discover Bank XXXX XXXX Response ). 
It is disconcerting that your team has managed to exacerbate the situation for your customer. This demonstrates a concerning lack of competence and empathy when addressing customer issues.
Consumer complaint received 2023-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have to pursue my efforts to resolve these matters which require intent to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. The accounts are listed below that need to be repaired in my file : XXXX XXXX XXXX XXXX Balance : {$12000.00}, XXXX XXXX XXXXXXXX Balance : {$100.00}