davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Subject : Complaint Against EXPERIAN for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX ). 

Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : XXXX I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

I check my credit report on a daily basis and this just showed up on my XXXX credit bureau. 

CITIZENSONE I have no idea where this come from, i have not apply anything in over 2 years.

I have no idea what this is? Account? Loan?

please help me to remove it. thank you
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Larry H. Miller Group of Companies (IL)

Prestige Financial Services Company is reporting inaccurate information to all 3 credit reporting agencies. Company is still increasing the amount and saying that there are late payments when the account has been " in collections ''. If an account is in collections that means that alleged debt is no longer owed to the Original company, that company has been paid.
Consumer complaint received 2024-08-24
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CA)

On XXXX, Office of the President SYF emailed me this COUNTERFACTUAL statement : " Regarding the billing dispute, our previous response advised the dispute had been found in favor of the provider. Although you have stated no services were provided, the documentation provided by the merchant shows you signed their consent form, which stated you would be responsible for all charges ''. 

On XXXX, i went to XXXX XXXX to resolve this matter but instead, they handed me the crown-package AS IF I'M A XXXX WHO CAN CEMENT THIS INTO MY MOUTH. 
IS THIS THE SERVICE YOU ARE CLAIMING WAS DONE?? What service are you claiming was done?? which i paid {$1800.00} for at XXXX XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2024-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The Original Debt. was settled and Closed with a XXXX Balance with XXXXXXXX XXXX however, After settlement the settled Debt. was sold as if never PAID to XXXX XXXX in the Amount of {$680.00} and I been Disputing it because it was Closed & Settled with XXXXXXXX XXXX. 
However, I do not have the File number but the Dispute with TransUnion Dated on XX/XX/year> was NOT completed until early XXXX VIOLATED the Consumer 's Fair Credit Act rights as required by the act to reply within 30 Days. 
In light of this Violation I think the Company should PAY the Violation FEE of {$1000.00} and Remove the Collection from My Credit report which by the State of Texas Statute of DEBT Limitation Law of 4 Years has expired making it a Non Valid DEBT. in fact BOTH of My Portfolio Recovery Debts are beyond the Statute of Limitations and should be removed from My Credit Report. 
I Do Not appreciate the fact that the Notes say : Account information disputed by consumer, meets FCRA requirements when in reality how does it meet FCRA requirements when it was an active unresolved Dispute from XXXX to XXXX that is in fact a Direct Violation of My rights under the FCRA Law.
Consumer complaint received 2024-08-24
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL (CA)

Was the CEMENTING done on XXXX?? The answer is NO and i dare you to keep contradicting this when XXXX XXXX isn't claiming this. 

You can see XXXX XXXX 's statement in the Lab Case : " Patient called our office and emailed us that he found another office... the reserved operatory stay opened for him untill his time expired ''. 

The scheduled date for the cementing of the crown was XXXX but i canceled the appointment on XXXX after XXXX XXXX insisted on mixing porcelain with the material , contrary to what i ordered on XXXX. 

On XXXX, i went to XXXX XXXX to resolve this matter but instead, they handed me the crown-package AS IF I'M A XXXX WHO CAN CEMENT THIS INTO MY MOUTH. 
IS THIS THE SERVICE YOU ARE CLAIMING WAS DONE?? What service are you claiming was done?? which i paid {$1800.00} for at XXXX XXXX XXXX in XXXX.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

XX/XX/XXXX : Received confirmation of loan relief from class action settlement. 
XX/XX/XXXX : Notified Experian of this and disputed account based on inaccurate credit report. 
XXXX : Denied dispute. Experian began claiming that my dispute was based on 'identify theft '. Called and mailed Experian to clarify that this was not an issue related to this dispute. Experian confirmed that they would update my case on several occasions and never did. 
XXXX : Continued mail and phone correspondence to try and fix the information on the inaccurate dispute. Experian continued to say they would fix the info. and never did. Contacted XXXX XXXX, as directed by Experian to try and fix the issue. XXXX XXXX stated that I must contact Experian, because Experian was the one who inputted the information. 
XXXX : Mailed Experian one last time to attempt to get resolution. Mailed me back with continued inaccurate data and reporting information.
Consumer complaint received 2024-09-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Early Warning Services, LLC (TX)

On XX/XX/XXXX I did zelle by mistake funds to a wrong person. 

Wrong person number XXXX Wrong person name- XXXX XXXX XXXX XXXX. 

Correct person- XXXX XXXX Correct Number - XXXX. 

All I want refund my funds ( XXXX ) back.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MECHANICS BANK (GA)

The company has no agreement with me for a product or service. This is the third time it has been removed and returned to this report. I would like to press charges or file a civil penalty claim against this company for harassment and extortion
Consumer complaint received 2024-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

XXXX XXXX XXXX XXXX Barefoot Circle XXXX, FL XXXX XXXX To whom it may concern, I wish to place a complaint against Chase Bank. 
On XX/XX/year> I was offered and accepted a job with a company named XXXX. I was informed that they do most, if not all, correspondence by text and email. I was informed that they were sending me a check, {$4500.00} that would be used for office furniture and computer. I received the check the following day. I deposited the check and then followed up the next day with XXXX to verify that they had COLLECTED the funds, as they were showing it on hold. I was informed that they had collected the funds and I asked that they remove the hold, which they did. I then received instructions from XXXX to send a wire to a specific company to finance the equipment purchase. I did this. XXXX has since said that the original check bounced and that I would be held liable, even though they had informed me that they had collected the funds. 
I have proof of all of this and ask that you sanction XXXX and fine them for this practice. I do have proof of all of this. Please also investigate XXXX. 

Respectfully, XXXX XXXX XXXX
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

Paid {$500.00} to synchrony premier mastercard number XXXX on XXXX. Paid online via synchrony credit card online account. {$500.00} was withdrawn from wells fargo checking account number XXXX. XXXX XXXX XXXX number XXXX ; this was faxed to synchrony twice via fax service at XXXX XXXXn XXXX XXXX california. Synchrony staff acknowledged reception. Synchrony said did not receive payment. Said no recoed of payment. Dispute cl aim was denied. I paid {$500.00} again in XX/XX/year> fearing penalty and interest. In XX/XX/year> XXXX synchrony staff said dispute was DENIED because LACk of required do uments.
Consumer complaint received 2024-07-10
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. (NC)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-09
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has 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 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. I am writing to dispute the following inquiries. It does not belong to me. I never established this inquiries. I have no knowledge of obtaining any of the inquiries listed here. Please remove these inquiries and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2024 I sent {$500.00} via XXXX to my niece, XXXX XXXX, to help with the funeral of my nephew. The last digit was incorrectly entered and it was verified that the {$500.00} had inadvertently gone into an account that matched the number that I had entered by mistake. The number that I entered was XXXX and it should have been XXXX and it went into XXXX instead of XXXX. When I tried over and over to get the money reimbursed to my account, Wells Fargo Bank said there was nothing they could do, even though it was documented that the money went into the wrong account by mistake. I filed a claim with Wells Fargo to try to get my money back but no one would follow through to help me get reimbursed. I would appreciate it very much if you would get my money refunded to my account. The claim number that Wells Fargo gave me is XXXX. Thank you very much for your help in resolving this. I am an XXXXXXXX XXXX citizen on a fixed income and {$500.00} is a lot of money for me to lose. Again, thank you for your help.
Consumer complaint received 2024-08-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NY)

For the last XXXX years or so I have to practically beg them to lower my payment rate. I have attempted to do the right thing and pay on the loans. The balanced owed goes nowhere but me paying at least brings them current. 

I cant afford a payment more than {$1000.00} a month and I am forced to pay way more than that each month. I have XXXX children to feed and the cost of living is absurd in my area. 

Back in XXXX or XXXX, I was met with suggestions such as moving to another city, selling platelets, or becoming a female dancer to make a better income. Of course no record of these conversations. 

Most recently, I received an email about someones loan that wasnt mine! And then a follow up email to destroy the information immediately. How many others have had their information mistakenly sent out? 

You cant trust this company. Also, my loans are being sold within a few weeks to another servicer so it seems like navient will get a slap on the wrist again and no real consequences of their dirty practices, lying, and cheating.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IA)

In contempt of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-06-28
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: EQUIFAX, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-01
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)

This is my numerous request 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 records 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$150.00} XXXXXXXX XXXX XXXX Balance : {$28000.00} XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX Balance : {$47.00} XXXX XXXX XXXX XXXX : {$350.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX 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 2024-07-01
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)

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 2024-07-01
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. (FL)

This is my 6th endeavors 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 records 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
REV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX & XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX & XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2024-07-01
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. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has 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 informationisinaccurate.
Consumer complaint received 2023-05-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

My mortgage company transferred my mortgage and to a new company. I did not receive any correspondence regarding the transfer. I usually do automatic payments, so I thought the payment was taken from my account. However in XXXX I received notice that I missed XXXX payment. And that I have to create an account to make payments. I was now 1 month behind. I did an application in loss mitigation and was told that it wouldn't affect my credit, they set it up so I can pay whatever I can when I can. In XXXX I received a call to call my mortgage company, I did and was told that they need additional information. I sent the information while I was on the phone, they needed bank statements and pay stubs. I didn't hear anything more from them and I have been making payments, and caught up on the one month. I applied for a cash out refinance only to find out that they did report me to the credit bureau. I called they to inquire about it, and was told that I didn't submit documents that were requested. I did not and have not received any correspondence from this company neither text, mail, email, nor phone calls. 
I told them that their representative gave me incorrect information and now it's affecting my refinance application. They just shut me down. I need help getting the negative report from my credit. 
I have never had a late mortgage payment since I bought this house in XX/XX/2020. All this happened because of the transfer.