davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (LA)

In XXXX, I disputed a debt with SYNCHRONY BANK who sold the debt to XXXX XXXX XXXX. I disputed that I did not receive information that my debt was in jeopardy of going to collections. Which, I did not. I was unable to provide proof at the time, to match the timeline. So, this item remains as a negative impact on my credit. I reached out to Synchrony Bank and was given false information, that they would get the debt back from XXXX XXXX XXXX and I would be able to pay the remaining balance of the debt, less the late fees and interest added. 

I was told to follow-up within 30 days. Upon doing so, I was told by another representatives that once the debt is sold, there is nothing they can do and I need to speak with the collection agency. 
I explained that, I did not receive a DEMAND LETTER, commanding that I make the complete payment, before selling the account to XXXX XXXX XXXX. I also explained that, the last correspondence I received from them was an email, offering me a payment plan, three months before I was alerted that a collection had been added to my credit reports. 
In my state of residence, Louisiana Debt law states that I must receive a DEMAND LETTER, before any further course of action can take place. I did not. 
At the time of going delinquent on the account, I was in the hospital with XXXX. I was out of work for several months. I explained this to them, once I was able to start working again, in the latter part of XXXX. 
Trying to resolve the issue with Sychrony Bank has gotten nowhere. 
This has lead me to research the debt laws in my state. 

According to my state, XXXX, this account is considered an OPEN ACCOUNT, a credit card account. In regards to OPEN ACCOUNTS, the prescription is three years, from the last payment made on the account. The last payment made on this account was within the same month, XXXX XXXX XXXX XXXX  XXXX, XX/XX/XXXX. We are now XXXX XXXX. Which according to my state and the state in which XXXX XXXX XXXX is trying to collect the debt, the statute of limitations has expired. 

While I am not one to purposely choose to not pay a debt, I tried to resolve the issue in paying the remaining balance with the original creditor, that I agreed to do business with. However, I was strung along and lied to about getting the debt back from the collection agency. 
This leads me to now requesting that this item be removed from their records and demanding that it also be removed from my credit reports. 

I have attached information from XXXX  Debt Law, as well as the last email correspondence received from Synchrony Bank, my last payment receipt email, as well as the account information from my XXXX credit report ; showing the specific date the collection account was opened with XXXX XXXX XXXX. Which further proves there was no DEMAND LETTER mailed out to my residence, before submitting the account to a collection agency.
Consumer complaint received 2024-07-29
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. (MA)

Frauds, inaccurate reportings, double jeopardy : deleted priors reoccurring, discrepancies in data being furbished. 
Equifax has XXXX piece of information while XXXX and XXXX report total different information. Equifax says XXXX open accounts XXXX closed ; XXXX says another amount listed as well as XXXX for XXXX total accounts ; along with dates of origination and last reporting dates not matching : my Federally protected rights and Consumer Report/profile has been defamed and in manners breeched. 
Also in existence are XXXX XXXX Credit compliance and Consumer Law Violation ( XXXX ) XXXX XXXX XXXX and XXXX Transactions and Experiences are ILLEGAL to Report between the CONSUMER AND CORPORATION OR PERSON.
Consumer complaint received 2024-09-29
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. (TX)

The situation that happened was on XX/XX/year> I purchased a product from XXXX for {$100.00}, the clerk said the register was having a malfunction and that we would have to check out a different register. At the XXXX register I unbeknownst was charged an additional {$100.00}. Being that I was double charged I filed a dispute to receive the money back. The dispute was created on XX/XX/year>. However, this dispute lead to a remark on my credit card that lead to my credit score dropping XXXX points effectively destroying my credit. The remark added onto my credit report was Consumer disputes this account information. That note dropped my score XXXX points. The dispute has been completed in my favor from my bank. However, Equifax has not restored my credit back to its original state. I kindly ask for my credit score to be corrected or updated and the note removed from my credit. Filing a dispute for being double charged is not a reasonable explanation for destroying my credit when the double charge was not my fault. My dispute number with XXXX XXXX XXXX XXXX was XXXX.
Consumer complaint received 2024-09-29
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)

To whom this May concern Ive had multiple disputes about accounts reporting on my credit report. These accounts have been disputed with XXXX, EQUIFAX and XXXX. I have filed a FTC report and have tried multiple attempts to remove these. I have paid all accounts I ever had as agreed and always paid my bills on time. Someone had access to my name & information while I was XXXX  and putting things in my name. I paid all my bills off and had all my business affairs handled before hand. 

XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Now that Im no longer XXXX  I am monitoring my credit closely and trying to restore my life again. These inaccurate reportings are prohibiting me.
Consumer complaint received 2024-07-29
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)

Upon reviewing my Consumer credit report, I noticed that your agency has violated multiple regulations, entitling me to monetary compensation under FCRA 15 U.S. Code 1681s2 and 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Specifically, your agency furnished reports in connection with credit or insurance transactions that I did not initiate ( inquiries ).

According to the law, a consumer reporting agency may only provide a consumer report for credit or insurance transactions not initiated by the consumer if : ( A ) The consumer authorizes the agency to provide the report, or ( B ) ( i ) The transaction involves a firm offer of credit or insurance.

Furthermore, except as provided in section 1681g ( a ) ( 5 ), a consumer reporting agency can not furnish records of inquiries
related to such transactions that the consumer did not initiate.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ), if a person obtains a consumer report under false pretenses or knowingly without a permissible purpose, they are liable for actual damages suffered by the consumer or {$1000.00}, whichever is greater. Additionally, punitive damages may be awarded by the court.

Your agency is in violation of the law! According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written consent. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse information in a consumer report, other than records of convictions of crimes, that is older than seven years.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is stated that a person shall not furnish any information related to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

Delete this information immediately!
Consumer complaint received 2024-07-29
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: EQUIFAX, INC. (VA)

CFPB, I MAIL EQUIFAX A LETTER ON XX/XX/year> TO REINVESTIGATE XXXX XXXX XXXX. AND I HAVEN'T GOTTEN ANY RESPONSE FROM THERE COMPANY. XXXX MAKES IT 46 DAYS. THAT XXXX XXXX XXXX ACCOUNT NEEDS TO BE DELETED FROM MY CREDIT REPORT.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-07-14
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. (DC)

Privacy and Confidentiality under 15 USC 1681 XXXXXXXX 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 an 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. Account needs to be removed from report.
Consumer complaint received 2019-12-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I had Home Equity Line of Credit with XXXX  XXXX XXXX which was modified on XXXX. On XX/XX/XXXX I received a letter from XXXX  XXXX XXXX notifying me my loan was sold to Specialized Loan Servicing. On XX/XX/XXXX I received a letter from Specialized Loan Servicing notifying me of the transfer of the service of my loan to them. I received a statement dated XX/XX/XXXX for my first payment with an interest rate of 2 %, that is the interest the loan had with XXXX  XXXX XXXX. I did not received an statement for XXXX, when I check the Specialized Loan Servicing website it showed my payment to be {$140.00}, which was the right amount with an interest rate of 2 %, which I made on XX/XX/XXXX.On XX/XX/XXXX I still have not received an statement, I went on the website and it showed my payment for the month of XXXX to be {$340.00}. I called customer service and was told my loan had a variable rate. My loan had a fixed rate of 2 % until XX/XX/XXXX, and after that a fixed rate of 4.25 % .On XX/XX/XXXX I called XX/XX/XXXXXXXX XXXX and they faxed a copy of my note to Specialized Loan Servicing, I also emailed a copy of my note, and sent it by regular mail USPS , and also send a letter requesting Specialized Loan Servicing to send me a copy of any and all documents they had to determine the interest rate of my loan.As of today XX/XX/XXXX I have not received any documents. On XX/XX/XXXX I checked the website again and the amount was still {$340.00}. I called customer service and was told they received my loan documents but did not know why the payment due still showed {$340.00}. I sent a payment for {$150.00}, which is more of what the payment should have been on XX/XX/XXXX and it was cashed on XX/XX/XXXX. On XX/XX/XXXX I called customer service again and asked to speak with a supervisor, was told none was available but I will get a call back, I did not received a call back. On XX/XX/XXXX I called customer service and asked to speak with a supervisor, was told none was available and I was going to get a call back. I did not receive a call back. On XX/XX/XXXX I checked the website and it shows I owe {$520.00}. I called customer service and was told the amount is {$190.00} from XXXX ( the {$340.00} minus the {$150.00} payment I made ) and {$320.00} for XXXX.I asked to speak with a supervisor and again was told none were available and I would get a call back, I requested a copy of the phone conversation since it was being recorded but was told I could not have a copy since it was an internal document, also I asked for a phone number for headquarters and was told the company headquarters was in XXXX. 
Specialized Loan Servicing bought the loan from XX/XX/XXXXXX/XX/XXXX XXXX with a fixed rate, they can not change the terms of the loan. Please I ask your assistance with this matter, I do not what else to do. Thanks.
Consumer complaint received 2024-07-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp. (GA)

This account was started fraudulently, Ive asked this company to stop reporting this fraudulent account which was the result of identity yet they continue to violate my rights and reputation by reporting these fraudulent items on my report. This needs to be removed immediately this is a violation of XXXX XXXX XXXXXXXX and the FCRA. Remove this from my credit report immediately and stop destroying and defaming my credibility.
Consumer complaint received 2019-12-17
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. (TX)

Since XXXX 2019 I have contacted the collection agency XXXX XXXX and all three credit bureaus ( XXXX, XXXX, and Transunion ) disputing the unknown accounts and asking them to provide documents to support their claim of me owing them debt such as identifying documents, a legal contract bearing my signature, calculation of the debt, how it was calculate, and who furnished the information. For over ten months all I get are " form '' letters no real facts when they should have provided these documents within 30 days according to FCRA law. They have continued to break the law while my quality of life suffers. This is my last attempt to resolve this issue without legal assistance. The account in question are two accounts with XXXX XXXX Account for XXXX XXXX  the amounts are {$1300.00} and the other one for {$2400.00} for an authorized/unknown account.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CT)

Experian and XXXX removed the actual debit when the actual creditor had it due to identity theft I have a fraud and identity on my file and wasnt notify now a collection agency XXXX is trying to collect the actual debit that doesnt belong to me no one send me validation that I have a sign agreement or this is my account I change my address with the post office and thats how creditor and bureau are updating address information not because I updated them I want these false collection removed of my accounts the company is send me some one else account that I dont know
Consumer complaint received 2019-12-17
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC (AZ)

On XX/XX/2019 I submitted an inquiry to Veterans United Home Loans to get an idea of closing costs and current interest rates. A XXXX XXXX called me to talk about our options in regards to a VA IRRRL. I stated that I just wanted a quote on current rates and to know what their fees were. XXXX  stated Veterans United does not charge any loan fees other than prepaid items and if points are needed. He stated that he could send me a loan estimate without a hard credit inquiry, that they call it a "mortgage inquiry." I asked several times after this if this would effect my credit score and re-stated that I did not want to do a full credit pull. He reassured me and said he just needed a "mortgage inquiry" to send us an estimate of fees. About an hour later I received mortgage prequalifcation email from Veterans United   asking for documentation for a loan application that was being processed. I then received an email from XXXX XXXX saying there was a new hard inquiry on our credit report. XXXX XXXX, NMLS ID #XXXX, fraudulently filed a mortgage application and ran a hard credit inquiry without permission. This is mortgage fraud!
Consumer complaint received 2024-07-13
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. (VA)

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/ information reporting to my credit report. These remarks have been detrimental to my life and my credit health.
Consumer complaint received 2023-12-23
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. (NV)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiry listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest this inquiry and ask that it be removed from my credit report. 
XXXX XXXX XX/XX/2023
Consumer complaint received 2024-10-31
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. (TX)

I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.
Consumer complaint received 2024-07-13
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: Experian Information Solutions Inc. (SC)

This XXXX account XXXX open on XX/XX/year> in the amount of {$19000.00} was deleted from my Experian account over 30 days and was reinserted back into my account after i sent them a letter from the creditor police report and a ftc report. This is clearly a violation of the fair credit act dealing with this fraud account
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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. 

XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 an 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 XXXX 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 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (GA)

This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ invalidated credit information. Please remove it immediately. You claimed you didnt have enough information although you have my name and basic information
Consumer complaint received 2024-07-30
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. (GA)

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.

and list of Inquiries.

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 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>