davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-08
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: SYNCHRONY FINANCIAL (AZ)

I never received statements from  Wal -Mart. When  did get them I was in hospital and explained to them. Caught payments up and they closed my account. Have asked them to reduce interest rate or reopen account. This is the only mark on my  credit score .
Consumer complaint received 2023-02-01
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: Experian Information Solutions Inc. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. Experian must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX
Consumer complaint received 2017-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: JPMORGAN CHASE & CO. (MO)

Regarding my recent late payments in relation to medical issues I am requesting late charges be waived and removed from my account. 
And also removed from the consumer reporting agencies. I would like to have my minimum payment amount lowered. 

Respectfully, XXXX XXXX XXXX
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

-- INCORRECT PERSONAL INFORMATION -- THIS COMPLAINT IS DONE BY THE CONSUMER -- 15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT -- ( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

-- ( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.

-- ( a ) In general. -- Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : -- ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

-- 15 U.S CODE 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies- ( A ) reporting information with actual knowledge of errors.

-- 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.

-- They do not have my permission to report on my consumer credit report.

-- I Demand it to be removed and every violation of unauthorized information on my report is a {$1000.00} fine ( U.S.C 1681n- Civil liability for willful noncompliance ) -- letters have been sent certified mail and return receipts have been received by me.

( 15 U.S CODE 1681s-2 ) And it is a violation to report something that you have knowledge of being disputed and may be inaccurate.

-- The following addresses, phone numbers, names and employers are inaccurate information, it is not mine, it is fraudulent to continue to report and my permission has not been given orally, in writing, or electronically to report this collection on my consumer report and the consumer reporting agency knows or has reasonable cause to believe that the information is inaccurate, and I demand it to be removed : 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 The following name, address, phone number and employer is correct and should be reported : -- XXXX XXXX XXXX 
-- XXXX XXXX XXXX XXXX, PA XXXX. 
-- ( XXXX ) XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2023-02-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc. (OR)

As a Federally Protected Consumer, Original Creditor, Principal and Authorized Representative for XXXX XXXX  dba XXXX XXXX  on all accounts created by my seal/signature, I order you to make recompense and pay redress and compensation for your trespass against me. You are attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at the least and unacceptable by every means. You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of { {$1000.00} } each, which does not include my personal cost and fees ( which I determine ) for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you. 5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication without authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt. 14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties. 15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge. 18. Invasion of Individual and Family Privacy 19. Violated 15 USC 1692c ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Consumer complaint received 2023-01-31
Product: Credit card or prepaid card — Store credit 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: PatientFi, LLC (DC)

I had a meeting today with my banker to obtain a line of credit for my medical practice. He asked me about my XXXX XXXX and when I looked it up XXXX of the scores were in the XXXX 's and XXXX in the XXXX 's. I thought it was strange so I decided to look it up to see why it could have been so low. I saw that there was an account opened while My wife and I were in the hospital welcoming our second son. I have submitted a dispute with transunion, called the office in which the fraud has occurred, and the credit company in which extended the credit. I have not lived in the address provided for more than XXXX  years and I do not know of the number that was used in the transaction.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX 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 these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2023-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (HI)

Im not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX, XXXX Credit Bureaus are reporting inaccurate information on SELFXXXX. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting incorrect information. Per FCRA, Reporting must be 100 % accurate. Here is the list of the erroneous account reporting on my Credit report. SELFXXXX XXXX
Consumer complaint received 2023-02-01
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)

In my last letter, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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 information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX XXXX XXXXXXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$4200.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3000.00} XXXX XX/XX/XXXX
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

I HAVE JUST NOTICE THIS INACCURATE ACCOUNT REPORTING ON MY CREDIT REPORT AS OF XX/XX/2023. I HAVE NOT AUTHORIZED ANY OF THESE INQUIRIES OR ACCOUNTS DEOGRATORY OR IN COLLECTIONS. AS XXXX IN THE PROCESS OF PURCHASING A HOUSE AND THIS IS STOPPING AND SLOWING THIS PROCESS. I WOULD LIKE FOR ALL INACCURATE INFORMATION TO BE REMOVED FROM FROM XXXX REPORTS XXXX CREDIT BUREAS ASAP PERMANENTLY AND INDEFINITELY! THANK YOU
Consumer complaint received 2023-01-04
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: BARCLAYS BANK DELAWARE (FL)

I was charged {$300.00} from XXXXXXXX XXXX XXXX and after receiving leads the leads were not leads!! I attempted to contact a few of the names and was unable to reach leads, but there was two or three that I was able to reach and was to that they were on line looking into XXXX but did not ask for any information at this time. I complained to XXXX 's and they did credit me for a couple of the leads but refused to do so for the other names that I had asked to be credited I was told I reached the limit. I asked to refund my money since I was not able to talk to ANY prospective buyers. Iwas told that i was not able since I was over the 72-hour cancelation window. 
I then put a call into Barclays ( my credit card provider ) to file a complaint, they suspendered the charge at the time, but upon their investigation then found in the merchant 's favor. I again reach out to Barclays I reached the dispute department but was told that since they had found in the favor of the merchant, and they could not do anything more. I explained that what the merchant told me was not what I received, and I am not paying for fraudulent agreement. I was told to mail the complaint to Barclys ( since I was not allowed to talk to a supervisor ) I can only send a letter of which I did. I should not be responsible for a service that is not what I agreed on. I am asking that some can help me resolve this issue on my behalf.
Consumer complaint received 2023-01-31
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. (MA)

DEAR ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of the consumerto dispute information directly with the furnisher.

I'm also exercising my rights under section 9-210 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ). REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT, and if not received within 14 business days, I will be deemed this account settled and closed and removed from my ALL major credit reporting agencies.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2023-01-03
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)

To Whom It XXXX Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX  Block Request Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these accounts ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX and XXXX XXXX
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2022-11-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kinum, Inc., Indianapolis, IN Branch (MI)

They called me and I asked how to dispute this because my insurance was billed incorrectly and I was told that I signed something with them to pay it and I HAVE TO PAY IT and ask to be refunded. There was no option of figuring out how to dispute it or go back I was told that I signed something ( I did not and received no notice of collections ) and that I had to pay it.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2023-01-31
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (TN)

My mom XXXX  at the end of XXXX and Ive been trying to rectify all the financial mess. I began getting multiple ( XXXX times per day ) calls from reps saying they were calling on behalf of Comenity and a Wayfair card account. It has been an absolute assault - calling from multiple numbers, multiple times per day, and having multiple representatives call multiple times per day to threaten me with legal action ( particularly from XXXX ) - it reached a fever pitch this month. Ive requested numerous times- XXXX numerous times and XXXX : XXXX, XXXX, the XXXX and the XXXX- for proof of debt and to stop being harassed. 
After requesting a proof of debt statement and requesting again to stop being harassed, I received a call on Tuesday XX/XX/XXXX and had a long conversation with an agent that called from the now blocked XXXX XXXX XXXX who identified herself as calling on behalf of Comenity and my wayfair  card and using threatening language. I first asked this agent if the call was being recorded and she said yes and i asked her to make sure it was available for review as I was filing a complaint. I then asked her again to identify who she was calling on behalf of and she said Comenity bank re : my wayfair  balance. I explained to her I had asked for a proof of debt statement and had told them multiple times I was being harassed by phone calls and threatening messages which I understood was a violation of fair debt practices. Additionally I told her I had requested a proof of debt statement about a Wayfair card and my understanding once that was requested debt collection calls were to discontinue. She argued with me saying she cant control what other agents do. I told her - well - I believe it is a law .. so, Id suggest to Comenity they follow the law if youre saying they dont. We hung up and I was called 4 more times that day from a variety of numbers stating it was Comenity on behalf of a past due Wayfair account and theyd be taking legal action and needed to get a lawyer if I didnt have one helping me.
Consumer complaint received 2022-12-08
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: SYNCHRONY FINANCIAL (OH)

There is a fiduciary obligation owed to me as I have given out my social security number, which the obligation is to act in MY BEST INTEREST financially. I asked synchrony bank as trustees to help me an I was hung up on. I expressed to them that they owe a fiduciary obligation an that breaching that duty could result in suspension or removal an I was abruptly hung up on. Not right. I NEED to get a loan an they are preventing me from doing that an refusing to help. That's a breach of fiduciary obligation which can take legal recourse.