davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-13
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 

EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Collection Accounts From XXXX XXXX XXXX XXXX XXXX XXXX and also XXXX Dear Sir/Madam, I am writing to formally dispute the existence of a collection account under my name, as reported by your agency. The account in question is identified by the account number XXXX XXXX XXXX XXXX I believe that this collection is illegal and should be removed from my credit report due to several reasons, including but not limited to the fact that it pertains to a past due balance. 

I have several concerns regarding this collection account : 1. Lack of Verification : I have not received any valid verification or validation of this debt from your agency, despite my previous requests. Under the Fair Debt Collection Practices Act ( FDCPA ), it is your legal obligation to provide verification of the debt when requested. To date, I have not received any such validation.

2. Reporting Inaccuracies : I have noticed inaccuracies in the reporting of this collection account on my credit report. These inaccuracies have a negative impact on my creditworthiness and may violate the Fair Credit Reporting Act ( FCRA ).

3. Statute of Limitations : I am aware that the statute of limitations for collecting this type of debt has expired, making any collection efforts unlawful. It is essential that your agency adheres to the legal limitations when attempting to collect a debt.

4. Failure to Provide Proof of Ownership : Your agency has not provided any evidence demonstrating that you are the rightful owner of this alleged debt. As per the FDCPA, I have the right to request proof of ownership. 

I kindly request that you conduct a thorough investigation into the validity of this debt and provide me with all necessary documentation, including the original debt agreement, proof of ownership, and a clear breakdown of the alleged debt. I also ask for the immediate removal of this collection account from my credit report while this dispute is being investigated. 

Failure to comply with the above requests will compel me to take further legal action to protect my rights and rectify this situation. I understand the importance of resolving this matter promptly and am willing to cooperate with your agency to facilitate a swift resolution. 

Please consider this letter as my formal dispute and request for the removal of the collection account. Your prompt attention to this matter is appreciated. 

Sincerely, XXXX XXXX XXXX XXXX Enclosed : are supporting documents
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-10-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CA)

I couldnt complete transactions it started that connectivity prombems to try again I didthen tried reaching out to company to figure out what was going on then found out there was a outage or glitch so I tried to explain to them that I had pending transaction due to glitch. On one of those transactions, finally two of the transactions were successful to my XXXX XXXX, but the previous transactions were still pending, and then, when they fix the problem, they started approving some of the pending transactions which the first transactions did not go through so I did not think they would charge me for anything but one of the transactions the next day went through I tried to give them documents and screenshots but they gave me two answers on why it was on my part my fault I reached out to them through email and I also get emails and text messages on the transactions I make, and I also got a statement from the other company, XXXX XXXX stating the time and they pulled out that money because cash app said that they forced a payment which their payment was before their glitch was fixed and when they took out the money I had cash app overdraft usually when you dont have money you cant take out money so I need to talk to somebody that besides cash app could investigate them because its been a while now and I still havent been able to talk anybody that would at least look at my side of the story and my documents and screenshots that I have
Consumer complaint received 2023-11-13
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. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-11-13
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (DC)

I have a Venmo credit card open with Synchrony Bank for over a year. The first time I attempted to use the card was XX/XX/. I discovered that the card had not been activated and had to order a new one. I spoke to representatives from Synchrony Bank several times in the course of this process. I received the new card on XX/XX/XXXX with a credit line of {$3300.00}. I booked a nonrefundable flight and used the card to make a hotel reservation. The credit card company cut my credit limit more than XXXX XXXX  on XX/XX/XXXX, to {$250.00}. Now my card does not have enough on it to cover the security deposit for the hotel and I have already booked my nonrefundable flight, a cost I would not have incurred if not for the promise of a {$3300.00} credit limit. I only discovered my credit limit had been decreased when I called because the card was not working.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Transunion claims to have verified as accurate a bankruptcy record - case # XXXX despite having been sent the attached letter directly from the bankruptcy court showing that the court does not have such a record under my name, DOB or SSN. Transunion continues to report this record on my consumer report in violation of the FCRA. Notable, XXXX and XXXX have acted promptly in removing this account from my consumer files. I have requested certified court records reviewed by Transunion or the names and phone numbers of the specific individuals whom it claims to have verified the records and Transunion has failed to do so.
Consumer complaint received 2023-11-13
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. (ND)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-11-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (FL)

Back in XXXX, I enrolled aXXXX XXXX XXXX XXXXXXXX University to major in XXXX. in XXXX. I was number # XXXX of my graduating class from XXXX XXXX XXXX High School with a 3.6 GPA. In the beginning, I was allowed to attend the school for free through merit, but I even explained to the school that both of my natural, birth parents were deceased, my mom died in XXXX  and I just went to court to determine who would obtain custody rights for myself. In XXXX, my brother 's father was granted custody of me as my legal guardian. Therefore, I should've went to school for free regardless! However, I was a scholarship student and I received a low grade in Public Speaking. From there, I was stripped of my scholarship at that time. Then I had to get student loans. Since that date until now, my credit as been jacked up tremendously and I'm unable to fully live the American dream. Now, years later, I'm still trying to undue all this mess. I currently work at XXXX XXXX XXXX XXXX since XXXX, so the majority of what's due should be paid down by me being a county employee under the PSLF. However, the date keeps resetting and is currently saying XXXX. I used to have the IDR plan, but I recently changed it to the SAVE plan. Documents I received from Mohela and what I'm being told is two different things.
Consumer complaint received 2023-11-13
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. (FL)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of 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
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

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 XXXX XXXX XXXX. XXXX : # XXXX, : XXXX # XXXX, XXXX # XXXX XXXX : # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XXXX  XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX  # XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-10-23
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)

XXXX credit bureau has been reporting the wrong information on my credit report since XXXX I informed them that XXXX XXXX XXXX is reporting an account on there that is not mine that was closed and never reopened have proof when I log into my online account on XXXX XXXX is the right account but on my credit report they're reporting the wrong account I've been telling them for 4 years that it's not the right account and they refuse to believe me they automatically believe XXXX XXXX without any proof it seems like they always take the big guy side XXXX XXXX is a XXXX XXXX company they're reporting the wrong information on my credit report and I complain to all credit bureaus and they just refuse to believe me and they're not asking for any proof from XXXX XXXX
Consumer complaint received 2023-10-23
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: VEROS CREDIT, LLC. (SC)

This debt is not mine.

This company has been harassing and reporting negatively on my credit report.

I did not give this company permission to use my social security number or to give it to other third parties.

The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-23
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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-23
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-23
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: Onity Group Inc. (MS)

I am writing to urgently address the enduring inaccuracies on my credit report due to erroneous reporting by PHH Mortgage. My reports show 120 days late, which is false. it was in Forbearance. 
Despite two prior letters sent on XX/XX/2023 and XX/XX/XXXX with substantial evidence ( that I can't put here given SSN #, etc. ) to debunk the incorrect information, there has been no response or corrective action from their end. Now, over 75 days have passed with no resolution, displaying a clear negligence on part of PHH Mortgage. I have also filed with the bureaus and they all use the online auto info sent by PHH instead of a human being reviewing. 

The negligence and incorrect reporting by PHH Mortgage have had a detrimental impact on my financial standing. Specifically, My refinance was cancelled and now the rate increase will cost me over {$43000.00}, XXXX reduced my credit line by 90 % due to the incorrect information reported by PHH.
Consumer complaint received 2023-10-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have gave ALL parties 2 chances to cure. I have requested info on the investigation and wet signature contract stating I will pay alleged debt. This account have been removed twice and XXXX XXXX XXXX XXXX  continues to furnish this back on my consumer report without sending me any communication. 15 USC 1692 and 15 USC 1611. Following parties have violated my rights and with the help from the CFPB I will seek damages. I demand deletion of the account IMMEDIATELY!!! Please see Attachment! 18 USC 8
Consumer complaint received 2023-10-23
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. (CA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-10-23
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. (FL)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2023-10-23
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. (FL)

Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.
Consumer complaint received 2023-10-23
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. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX You are in Direct Violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX, XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes.

Remove these late payments and update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act.
Consumer complaint received 2023-10-23
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (GA)

I received an American Express Reward Card as a gift. I received the card a few years ago. I just tried to use this card today and was told that it had a XXXX XXXX balance. 
I read the front of the card which stated that it expires on XX/XX/2025. I read the back of the card which stated that the funds will never expire. It also state that the card will be charged a monthly inactive fee of {$3.00} each month. Since I never opened the card until today I was not aware of the {$3.00} fee. I would like American Express to recharge the card back to the {$100.00} face value so I may use it. The card is not expired and they claim that the funds Do Not Expire.
Consumer complaint received 2023-10-23
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. (NV)

Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.
Consumer complaint received 2023-10-22
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. (GA)

I do not recognize these credit inquires and I have ask for them to be removed. The credit buraus did not do as I a requested. I am providing a identify theft report. I am requesting that they be removed.