davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: SYNCHRONY FINANCIAL (NY)

I do have a Synchrony XXXX XXXX XXXX with limit of {$10000.00} since 2021.Today XXXX at XXXX PM, received email from them that my credit card limit of {$10000.00} reduced to {$250.00} and reason is on basis of my XXXX XXXX of XXXX XXXX obtained from XXXX. I attached that letter with this complaint. 
I did call Synchrony XXXX XXXX XXXX at XXXX today XX/XX/XXXX and spoke with XXXX XXXX than her Supervisor XXXX XXXX and then he transfers to XXXX XXXX XXXX from XXXX PM to XXXX EST. 
Its surprised me when first person XXXX XXXX, with whom I spoke with her told me that she going to transfer to Credit Resolution Team Supervisor. When XXXX XXXX come online and when I ask him if he is Supervisor from XXXX XXXX XXXX Supervisor, he said No, he is just Supervisor above XXXX XXXX. He spoke with his manager and say that he will transfer to Credit Resolution XXXX Supervisor than put me in hold then after few minutes after he back and say he not allowed to transfer to XXXX XXXX XXXX  Supervisor but transfer to his Manager XXXX XXXX. XXXX XXXX said that we do not have a XXXX XXXX XXXX Supervisor and I guess she misguided me and also said that I should call XXXX who provide them that credit score and that credit score bring my credit limit down to {$250.00} only from {$10000.00} to {$250.00}. 
Further XXXX XXXX, Manager told me that she is highest rank officer to reach by the consumer like me to any issue. With Synchrony XXXX XXXX XXXX When I call Synchrony XXXX XXXX XXXX, before XXXX XXXX pick up the phone, its automatic system informed me that all calls are tape. So, credit card company do have all conversation in tape, if they do not provide you, I did tape this phone conversation and glad to provide to CFPB. 
After suggestion from XXXX XXXX, Manager of Synchrony XXXX XXXX XXXX XXXX Customer Service dept. I did call on her suggestion to call XXXX XXXX as it also provided in their letter. So I did call XXXX today XX/XX/XXXX and spoke from XXXX pm to XXXX XXXX  and spoke with XXXX XXXX at XXXX. She mentioned to me in their records still showing the limit on this particular card is still {$10000.00} and suggested me if its reduced to {$250.00}, I can dispute with XXXX. She further mentioned that XXXX use XXXX XXXX XXXX and might bank use the average credit score of three credit Bureau not just XXXX credit score on XXXX XXXX showing XXXX as per credit card letter XX/XX/XXXX to me. I asked XXXX XXXX do I have right to dispute this with CFPB. So I dispute with both in this complaint. 


What is my credit XXXX on XXXX XXXX. Because Synchrony XXXX XXXX XXXX decrease the limit from {$10000.00} to {$250.00} only on base of credit score obtained from XXXX was XXXX on XXXX XXXX.
Consumer complaint received 2024-06-25
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-06-24
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. (NY)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX XXXX Account number XXXX was never late in XXXX and XXXX of XXXX. Please make sure the credit report reflects no late payments on XXXX and XX/XX/year>. Please update their credit report and have it reflected that XXXX XXXX Account number XXXX is in good standing and was never late. This needs to be reflected in their credit report. We hope this resolves the error.
Consumer complaint received 2024-06-25
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (VA)

I submitted a complaint on XX/XX/year> through the CFPB regarding CREDENCE RESOURCE MANAGEMENT attempting to collect a debt that is not owed and reporting the information on my consumer report. I have no contractual business with this company that makes me legally obligated to pay them. Yet they are reporting this information on my consumer report intentionally causing unmeasurable harm to myself and my family. I asked for validation of this debt and was sent a composed file that should be a representation of me. Please see the attached.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I found out the creditor didn't give the required XXXX notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I have sent proof to Transunion that accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are reporting inaccurately. According to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies : ( 1 ) Prohibition ( 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. 

( 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 ( ii ) the information is, in fact, inaccurate. 

I have filed complaints with the Consumer Federal Protection Bureau multiple times with evidence of INACCURATE INFORMATION. Transunion is not removing the inaccurate information and violating my rights. 
All complaints and evidence of inaccurate information is listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-24
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. (OH)

i looked at my credit report back on XX/XX/year> and noticed some things were incomplete and not accurate, and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonanble procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ALL accounts are not reporting correctly of date last active, date of last payments, date opened of accounts. i sent Experian letters on XX/XX/year> asking them to reinvestigate these particular accounts and they REFUSED? DENIED my letters claiming they seemed to be coming from a credit repair agency which im sure is in violation of 15 USC 1681i ( 7 ) as i did not receive description of any reinvestigation.
Consumer complaint received 2024-06-24
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (FL)

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Notice to Agent Is Notice to Principle Notice to Principle Is Notice to Agent To : CREDENCE RESOURCE MANAGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. : XXXX XXXX XXXX XXXX XXXX First Notice Opportunity to Cure Validation of a Debt Request Pursuant to 15 USC 1692g To whom this may concern regarding said account XXXX BE ADVISED, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time, I will also inform you that your offices have reported invalidated information to the 3 major credit bureaus ( XXXX, XXXX or XXXX ) and this action constitutes FRAUD under both Federal and State Laws. Due to this fact, with negative mark currently detected on my credit reports by your company or the company you represent, if not resolved and REMOVED IMMEDIATELY, I will not hesitate in bringing legal action against you and your client for the following : listed violations below carrying a {$1000.00} enforceable penalty for damages per violation. 
CREDENCE RESOURCE MANAGE has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) yet placed a collection on my consumer report.

According to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) CREDENCE RESOURCE MANAGE never provided me the opportunity to dispute this account.

CREDENCE RESOURCE MANAGE has zero authority to furnish any amount to a consumer reporting agency without providing any and all disclosures required by law and is clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ) If your offices can provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. 

This includes any listing of information to a credit reporting repository/ agency that could be inaccurate or invalidated.
Consumer complaint received 2024-06-24
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. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion does not provide a clear path to setting up a free account with them for the purposes of monitoring your credit/ freezing your credit. Any link you click at transunion.com to create a new account automatically selects their paid subscription version with no way to select a free version. 

The only way around this was to use XXXX to search the internet for " transunion credit freeze ''. The results show that you have to go to service/transunion.com in order to setup a free account. 

This is predatory. At a minimum, they should be forced to fixed this, if not punished with fines large enough to ensure they lose the money they made from this business decision such that they don't try it again.
Consumer complaint received 2024-06-24
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. (NC)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-09-05
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)

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 ( XXXX ), before the end of the XXXX 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 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 2024-06-24
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. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX ExperianXXXX XXXXXXXX XXXX XXXX Re : Dispute of Charge-Off on Account # XXXX Dear ExperianXXXX XXXX XXXXXXXX XXXX XXXX I am writing to formally dispute the charge-off reported by XXXX XXXXXXXXXXXX XXXX on my credit report . This dispute is made pursuant to the Fair Debt Collection Practices Act ( 12 CFR 1006.34 ( b ) ( 5 ) ) and the Fair Credit Reporting Act ( 15 USC 1681 ). 

Upon reviewing my credit report, I found that XXXX XXXX XXXX has inaccurately reported a charge-off on my account with the account number [ XXXX ]. I assert that this charge-off is erroneous for the following reasons : 1. **Lack of Proper Validation ( 12 CFR 1006.34 ( b ) ( 5 ) ) ** : According to 12 CFR 1006.34 ( b ) ( 5 ), debt collectors are required to provide a clear and accurate validation of debt. XXXX XXXX XXXX has failed to provide sufficient documentation validating this debt and its amount as accurately owed.

2. **Inaccurate Reporting and Lack of Verification ( 15 USC 1681 ) ** : Under 15 USC 1681, the Fair Credit Reporting Act requires that information provided to credit bureaus be accurate and verifiable. I have not received any verification or documentation from XXXX XXXX XXXX substantiating the charge-off status of this account. Without proper verification, this charge-off should not be reflected on my credit report. 

Given these points, I request the following actions : - **Immediate Removal of the Charge-Off** : Remove the charge-off related to XXXX XXXXXXXX XXXX from my credit report to reflect accurate and verified information. 
- **Verification Documentation** : Provide all documentation used to verify and validate this debt, including any correspondence from XXXX XXXX XXXX substantiating the claim. 

I appreciate your prompt attention to this matter and expect a resolution within the 30 days required by law. Please inform me of the results of your investigation in writing. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2015-09-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (VA)

My mortgage loan was taken over by Nationstar Mortgage from XXXX XXXX XXXX in XXXX 2015. For 10 years at XXXX I paid my mortgage bi-monthly as a term of my mortgage and there was never a problem, I was never late. I continued this practice when Nationstar took over. I have NEVER missed a payment. Now, they call me constantly telling me I 'm late, when I am not. Apparently they misapplied a payment initially which makes them think I am late. I have assured them that I have not missed a single payment. They are telling me that I now have to pay a private company {$290.00} plus a monthly fee to make my payments like this. Are you kidding me?? When I spoke with them in XXXX, the operator assured me that the misapplied payment had been corrected and that my account was current, but that never happened according to the call I got yesterday. It is very difficult to deal with these people as everyone I have spoken to has difficulty with the XXXX language. Now for the ultimate insult, they are now reporting to the credit bureaus that we ar 30-59 days late on our mortgage. This is slander of the highest degree since my account only shows that I am 15 days late even tough that is not accurate either. I have never been late on this loan and I do n't intend to be treated like this. They are ruining my credit for no reason at all. I will await the result of this inquiry and pursue legal action if necessary.
Consumer complaint received 2024-06-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2023-10-03
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)

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative. And, also I dont know this item, not mine. You're reporting this item erroneously. This is an error and inaccurate information must be deleted from my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please delete this.
Consumer complaint received 2023-10-03
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. (CA)

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Consumer complaint received 2024-06-24
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)

I did not report that the card was not mines and inaccuracy on this card ending in XXXX. I paid this card off in full. Was told by XXXX  to call the credit come to remove the hold that is stopping them for re activing this card of 9 years of credit. Please correct this matter I want my XXXX credit card back. Thanks
Consumer complaint received 2024-10-08
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. (IN)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-24
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. (CA)

I have previously disputed with XXXX, Experian and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.