davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-15
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NC)

XX/XX/23 signed up for TJX Rewards Platinum Mastercard ( last XXXX XXXX ), but did NOT use at checkout ( XXXX, North Carolina location ). 
Did not receive the credit card. Instead, received at letter from Synchrony Bank dated XX/XX/23 indicating there was a charge to the account, but they believe it XXXX not be me. " With our {$0.00} Fraud Liability benefit, you're never responsible for unauthorized charges. '' I called the number listed on the letter ( XXXX ) on XX/XX/. Spoke to XXXX in their Specialty Department. Account was " compromised ''. They would handle it on their end, close the account, and not to worry about it. Will receive a confirmation in 7-10 business days ( did not receive ). 
XX/XX/23, XXXX, I called back and spoke with XXXX XXXX She confirmed the account was closed, but the charges were still there, including late & interest fees. I was transferred to XXXX, Acct Mgr in Fraud Dept. Investigator assigned to me. To clear all, receive confirmation in mail ( did not receive ). 
XX/XX/23, I had not heard or received anything from them. I filed a complaint with XXXX. 
Then they closed account, but left the balance with interest and late fees accruing. They are texting and calling me while I am at work. Not me, never used, they can't follow through with what they said they would do. They should listen to the recorded calls!
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

There have been multiple disputes as well as request letters mailed. The most recent dispute date XX/XX/XXXX, letters mailed XX/XX/XXXX and XX/XX/XXXX. A copy of the letter is below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request for XXXX Form To Whom It May Concern, I hope this message finds you well. I am writing to request a copy of my XXXX form for the tax year XXXX. I believe I should have received this form, but I have not yet received it. 
For your reference, my details are as follows : Name : SSN ACCT # Please send the requested XXXX form to the address listed above or to my email address at [ Your Email Address ]. If you need any further information to process this request, feel free to reach out to me at the phone number listed above. 
Thank you for your assistance. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-10-22
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: Experian Information Solutions Inc. (FL)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Complaint Against the XXXX Major Credit Bureaus for Violating Privacy Rights and Defaming Credibility Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against the XXXX major credit bureausXXXX, Experian, and XXXX violations of my privacy rights and actions that have defamed my credibility. 
Over the past several months, I have noticed significant inaccuracies in my credit reports issued by these bureaus. Despite multiple attempts to rectify these discrepancies, I have been met with inadequate responses and a lack of effective action. This negligence has not only compromised my financial standing but has also caused undue stress and inconvenience. 
The specific violations of my privacy and defamation of my credibility include : XXXX. Unauthorized Sharing of Personal Information : There have been instances where my personal information was shared without my explicit consent, leading to unauthorized inquiries and potential identity theft. 
XXXX. Inaccurate Reporting : The bureaus have reported incorrect information regarding my credit history, including but not limited to incorrect account statuses and payment histories. 
XXXX. Failure to Correct Errors : Despite providing documented evidence of the inaccuracies, the credit bureaus have failed to correct my credit reports promptly. 
These actions are in direct violation of the Fair Credit Reporting Act ( FCRA ) and have caused significant harm to my personal and financial well-being. I urge the Consumer Financial Protection Bureau to take immediate action against these credit bureaus to enforce compliance with federal laws and protect consumers like myself from further harm. 
I am seeking immediate rectification of the inaccuracies in my credit reports, as well as compensation for the damages caused by these violations. Attached are copies of my correspondence with the credit bureaus, along with supporting documentation. 
I appreciate your attention to this serious matter and look forward to a prompt resolution. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-10-22
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: Experian Information Solutions Inc. (TX)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-22
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)

This complaint is to inform you of the inaccurate & incomplete accounts that are being reported on my credit report. My name is XXXX XXXX XXXX and this is not a third party filing this complaint. Please see attached documentation and delete those accounts for they are inaccurate & incomplete. Thank you
Consumer complaint received 2024-10-09
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. (AL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I have recently deputed this account but XXXX XXXX and XXXX are not doing their job by reporting accurate information on my credit report. This fraudulent, inaccurate and false information consist of personal credit account opened at XXXX on XX/XX/XXXX under the account number XXXX, also XXXX  XXXX XXXX opened on XX/XX/XXXX under the account number XXXX also credit account XXXX opened on XX/XX/XXXX account number XXXX. 
I have requested a 1099 cancellation of debt form from the company and XXXX, Experian, and XXXX but they have failed to provide me a 1099 Another reason for this inaccurate information should be removed from my account because they have violated my right for repeatedly reporting charge-off C/O every month. This is an update in the payment history, A Charge off account should Not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the aforementioned account. 
This account has been sold to a diff company also and still reporting is a violation of my rights. 
Truth in lending act ensures that you receive a clear and honest disclosure of the Terms of your credit report agreement but this company has also violated my right as a consumer which makes this account inaccurate
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have reached out to Experian several times and provided proof that I do not owe XXXX in student loans. I only owe about XXXX and even with proof they refuse to remove the additional XXXX in erroneous debt. This has caused higher interest rates and a lower credit score. Additionally feel victimized and stressed mentally because of their error they stand by.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WV)

My Experian credit report states that XXXX is reporting Completed investigation of FCRA dispute - consumer disagrees in the " comment '' section of my student loan account. I am unfamiliar with the dispute which XXXX is referencing. I do not dispute the account information listed on my credit report. 

It should be noted that this is a recurring issue. I have gone to great lengths attempting to resolve this problem directly with XXXX and Experian. XXXX stated in an email to me that it submitted a request to Experian to remove the comment on XX/XX/XXXX, and that I should expect an update within five business days. That email is attached. I have attempted to resolve this issue with Experian directly to no avail. 

I previously filed a complaint against XXXX and Experian with the Consumer Financial Protection Bureau on XX/XX/XXXX, concerning this issue. The complaint number was XXXX. I also previously filed a complaint against XXXX with the XXXX XXXX XXXX. XXXX responded to my complaint with the XXXX XXXX XXXX on XX/XX/XXXX. That response indicated that a request was submitted to Experian on XX/XX/XXXX, to remove the comment. This response is attached. 

I withdrew my complaint against XXXX and Experian with the Consumer Financial Protection Bureau because the comment was removed from my Experian credit report ( for a time ). However, I accessed my Experian credit report today, XX/XX/XXXX, and discovered that the comment has reappeared. I obtained my Experian credit report directly from Experian itself, rather than a third-party app such as XXXX XXXX . I would like this comment removed from my Experian credit report.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

While checking my credit score on XX/XX/2024. I have found that it almost went down XXXX points eventhough I was never late on any payments or applied for any new accounts. After investigating I found that somebody fraudulently created XXXX XXXX XXXX credit card ( XXXX ) account in my name and used to purchase lot of things without repaying the bill and which affected my credit score. I have immediately disputed this with all three agencies and transunion came back saying it is my account and I can revert it. I am awaiting for other agency response. Meanwhile I called XXXX XXXX  and asked about this. They said this account is closed but my credit score is still going down with late payment due to this account. They also mentioned that they will send me email and mail. I still have not received any call, mail or email regarding this since XX/XX/2024. I have called them thrice still did not get any mail or email They have promised email. But did not receive any till now. My credit score is going down I dont see any end to this issue. Could you please help me to resolve this issue ASAP.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX Phone : XXXX Email : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Request for Removal of Fraudulent Late Payment Due to Identity Theft, Charge off Please Remove Late Payment Collection Accounts Below XXXX XXXX Account owner Individual Account Original Creditor XXXX XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX XXXX XXXX Account owner Individual Account Original Creditor XXXX XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX XXXX XXXX XXXX, XXXX  Account owner Individual Account XXXX XXXX XXXX XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX XXXX XXXX XXXX Age of Account XXXX year XXXX  month Dear, XXXX XXXX am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account. 

I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. According to 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ).

Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 

Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I, XXXX XXXX XXXX XXXX, am filing this formal dispute regarding the inaccurate information reported by Experian, which resulted in the denial of my rental application at The Haven on XX/XX/year>. 

In addition to the inaccuracies in the tenant screening report, I am raising an urgent issue related to Experians failure to properly mark several disputed accounts as in dispute on my credit report, which is a clear violation of the Fair Credit Reporting Act ( FCRA ). This failure has caused unjust harm, including the denial of housing.

Key Issues and Violations : 1. Failure to Mark Accounts as In Dispute : I have filed multiple disputes with Experian regarding the collection from an apartment community and certain
charge-offs. Despite these disputes, Experian failed to comply with the FCRA requirement under 15 U.S.C. 1681i ( a ) ( 2 ), which mandates that credit bureaus must mark disputed information as in dispute in a timely manner. The failure to include this required notation has resulted in adverse actions taken against me, including the denial of my rental application.

2. Experians Violation of the FCRA : Experians failure to include the required dispute notation on my credit file is a violation of the FCRA, specifically under 15 U.S.C. 1681s-2 ( a ) ( 3 ), which requires that disputed information be clearly marked and noted on the consumers file. By failing to do so, Experian has allowed the inaccurate and disputed information to be used by third parties ( such as XXXX, XXXX ) in evaluating my creditworthiness, leading to significant harm. 
3. Inaccurate Collection from an Apartment Community : The tenant screening report referenced a collection from an apartment community, which is inaccurate and should have been removed from my credit report. This collection is currently in dispute, and the lack of proper notation further demonstrates Experians mishandling of my case.

4. Incorrect Charge-Offs : The charge-offs reported in my credit file are also inaccurate. These accounts have been formally disputed with Experian, and the failure to address these disputes or mark them appropriately as in dispute has allowed this erroneous information to negatively affect my rental application.

5. Harm and Adverse Action : As a direct result of Experians failure to comply with the FCRA, I have been denied housing at The Haven and suffered damage to my creditworthiness. This harm could have been avoided if Experian had properly handled my disputes and updated my credit file accordingly. 
Attachments : Adverse Action Letter from The Haven dated XX/XX/year> Previous disputes submitted to Experian Documentation supporting the inaccuracies of the collection and charge-offs Proof of failure to add dispute notation to accounts in credit report