davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-11
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 am writing to dispute and request an investigation into the charge-off accounts listed on my credit report. I recently obtained a copy of my credit report, and upon reviewing it, I noticed that there are several accounts that have been charged off. These entries are negatively impacting my credit score, making it difficult for me to secure loans or credit on reasonable terms. 

I believe that these charge-off accounts are not accurate and are unfairly damaging my credit profile. I request your assistance in investigating these accounts and, if they are found to be inaccurate, I request their removal from my credit report. 

I am disputing these charge-off accounts on the grounds that : I believe that the information reported is inaccurate or incomplete. I have attached any supporting documents that can help rectify the inaccuracies. 

I request that the credit bureau verifies the validity of these charge-off accounts with the respective creditors. 

Outdated Information : If any of these accounts are more than XXXX years old, I request their removal as they should not be reported according to the Fair Credit Reporting Act. 

Enclosed with this letter, you will find copies of the supporting documents that I have gathered to validate my dispute. These documents include [ list any documents you are including, such as payment records, correspondence with the creditor, or other evidence ]. 

I kindly request that you conduct a thorough investigation into these accounts as per the Fair Credit Reporting Act and respond to this dispute within the XXXX period stipulated by law. Additionally, please provide me with a free copy of my updated credit report after the investigation is complete. Please hepl me remove the following accoutns in my credit file XXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$3800.00}.
Consumer complaint received 2019-11-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: SYNCHRONY FINANCIAL (TX)

A Trial Deposit Has Been Successfully Made to Your AMAZON CREDITBUILDER email from synchrony bank, synchrony bank automated phone system won't connect to a live rep for anyone including credit card support lines. After digging through a few synchrony bnak issued credit card numbers I was able to reach a live rep to tell me its a systemwide glitch. Alot of hours wasted thinking there was fraud on my account. 

Official Secured Message Resonse Dear XXXX XXXX XXXX We value your business as a Synchrony Bank customer. Synchrony is currently investigating an unplanned customer notification that is affecting some consumers. We are currently investigating the root cause and we apologize for any confusion. You do not need to take any action at this time. 

If you have any additional questions or concerns, please feel free to contact a Specialist at XXXX. 

Thanks again for choosing Synchrony Bank. 

Customer Service Representative -- - Original Message -- - From : " XXXX XXXX XXXX '' XXXX Received : XX/XX/19 XXXX XXXX  EST To : XXXX Subject : General Service I  attempted contacting you by phone, but the call keeps getting disconnected by your automated system. I got this message by email & amp ; quot ; A Trial Deposit Has Been Successfully Made to Your AMAZON CREDITBUILDER & amp ; quot ; in my email, I do not have an amazon creditbuilder account, neither do I have a credit card with amazon. Help please!
Consumer complaint received 2024-07-26
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. (CA)

I am writing to you today to once again dispute some accounts that appear on my credit report. As I mentioned in my previous letter, I have been a victim of identity theft, and several fraudulent accounts were opened in my name without my knowledge. I already forwarded the required FTC report to the companies and they have acknowledged that these accounts were fraudulent and have removed them. However, I have noticed that your bureau has continued to report these accounts, even though the other credit bureaus have already removed them. I would like to remind you that as a credit bureau, you are required by law to ensure that your records are accurate and up-to-date. By failing to remove these fraudulent accounts, you are not complying with the law and are putting me at risk of further harm. 

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 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am seeking your assistance regarding the false account listed on my credit report. This issue has negatively affected my reputation, and I am counting on your help. Due to the mishandling of my credit report, I have suffered greatly, and my reputation has been seriously harmed. You need to remove the incorrect information from my credit report.
Consumer complaint received 2023-11-11
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. (SC)

I am submitting this complaint to bring your attention once again to the complaint I submitted on XX/XX/XXXX. As the 15-day mark approaches, I am in the process of updating my credit reports and wish to reiterate a crucial matter regarding the removal of specific items, as mandated by the FCRA Section 605b . The items in question, as detailed below, are associated with identity theft report # XXXX : EXPERIAN : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, KY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX , PA XXXX XX/XX/XXXX XXXX : XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

Subject : Dispute and Request to Update Personal Information Dear Sir/Madam, I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : 1. Name : My current legal name is XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX.I request that my name be updated to reflect the correct information. 

2. Born : My birthday is on XX/XX/year> and the report has listed on 1968 I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my Social Security or passport displaying my correct name and Birthdate Additionally, please provide me with a written confirmation once the updates have been made, and send me an updated copy of my credit report reflecting the changes. 

I appreciate your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at XXXX. 
Thank you for your cooperation. 

Sincerely,
Consumer complaint received 2024-09-20
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. (MS)

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 1

5 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.
Consumer complaint received 2024-09-20
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. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

This account was sent to collections after the credit companies and I agreed that these 2 accounts were closed and that no responsibility should be taken regarding these accounts going forward. None of this happened and the accounts were closed and simply sent to collections for a third party to reach out and collect balances shown in these accounts. Ive tried many, many times to dispute it through my credit check app and nothing gets changed and Im still in collections with these 2 credit card companies. This is ridiculous!!
Consumer complaint received 2023-11-11
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. (HI)

I have not Supplied proof under the doctrine of Estoppel by Silence XXXX XXXX XXXX ( mo ) XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2024-09-19
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. (PA)

I am XXXX XXXX XXXX and I have ask for supporting documentation to show the accuracy of these Inaccurate reporting accounts attached to this complaint. This is not a third party filing this complaint. And I demand these Inaccurate reporting accounts be removed Immediately. For it has been over 45 days since my initial complaint and I have yet received any resolution or records showing that these accounts are in fact reporting correctly. Thank you
Consumer complaint received 2023-11-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (WA)

I notified all of the credit companies and theyre still just trying to collect trying to collect destroyed my credit. My credit went from a XXXX to XXXX something to get a loan for my business XXXX cant even get a loan for my business. XXXX like XXXX steps from the streets you know Ive already been victim enough and I dont understand why everybodys gon na say well dont loan to this guy because I had 100 % payments on time until all this identity theft stuff Happened and then theres no help for me in the state of Washington I XXXX need help and I need them to stop destroying my credit and then even XXXX like XXXX easiest place to get a business loan or telling me that every time my account gets frozen due to a more identity left I have to start all over to give them XXXX months of business revenue. I mean what the XXXX its not very fair even though I told him I was a victim of identity theft they didnt care they should start over every place Ive gone to
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

My account with Equifax was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-07-26
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. (DC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2023-10-04
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: Lugano Capital, Inc. d/b/a Start Auto Finance (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-09-19
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. (NY)

I have contacted XXXX anXXXX XXXX XXXX  numerous times between XXXX and today, XX/XX/2024. I spoke to a representative named XXXX between XXXXXXXX XXXX and XXXX XXXX. She informed me that she could not allow me to speak to the fraud team, and this did not resolve my issue with XXXXXXXX XXXX reporting an account negatively due to identity theft. 

It appears that XXXX XXXX and XXXX Credit Bureau are refusing to honor government regulations, as XXXX is in possession of my FTC.gov identity theft report and other documentation. Initially, on XX/XX/2024, XXXX removed the XXXX XXXX account by blocking my credit file, but XXXX Bank instructed them to reinstate it. This has resulted in the loss of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and future potential earnings.

I request that this account be removed immediately under FCRA regulations.
Consumer complaint received 2023-11-11
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. (IL)

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these items ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate and delete the listed incorrect information on my credit report. 

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 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 2023-11-11
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Collection Solutions Inc. (AL)

On XX/XX/2023 I was contacted by a XXXX XXXX who claimed to be an attorney. She said I had provided my credit card information to someone else months earlier and she wanted to use the same credit card to pay another debt. I told her I wasnt aware of any other debt - that I should not have any because I have health insurance that pays 100 % and I have no deductible. She said its for your mental health treatment. I do not have any treatment for mental health and never have. It is completely out of line for her to say things like that. It would be a violation of HIPAA. I vaguely remember being contacted about a {$150.00} medical bill many months ago and I just paid it because I was buying a house and didnt want to deal with it. But I told her I am unaware of any unpaid medical bills and very clearly told this woman that she did not have my permission to use my card- Im not sure why my credit card information was even retained beyond the one time I gave permission to use it - and provided to this XXXX person because I have never spoken to her before. I told her I was at work and would need information regarding the legitimacy of this and that she was not authorized to use my credit card for something I am not even aware of and that I am disputing as a result. She hung up on me and used my card anyway to process a payment. I called the number on my caller ID back and told her she did not have permission to use my card and I wanted it reversed immediately and she told me to call the police. I was hung up on again after she called me a XXXX. I called back and asked for the name and address of the company and was hung up on 8 times in a row.
Consumer complaint received 2019-11-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

This is a follow up to Complaint XXXX. I contacted the company today and discovered that they did not credit me with my XX/XX/2019 on both mortgages. We were hacked before XXXX, it looked like the usps got mixed up or something, but when I talked with them today, they tried to say it was XXXX and XXXX XXXX but finally, we figured out it was XXXX. After the first rep, I checked my bank account and both payments were sent to SLS electronically {$1200.00} on the first mortgage and {$280.00} on the second sent XX/XX/2019 and they processed it XX/XX/XXXX. They do not show they received it, so I emailed and faxed them a copy of the bank statement after talking with their second rep. So from XX/XX/2019 they have been reporting us late on our credit reports and charging extra and since the above complaint we received a notice of default and intent to foreclose. I also sent them a copy of the law that states that the postal stamp is considered the date received, not when they process it. Thought you would need the additional information. Could not download bank statement confirming because it is in pdf format, but can fax to you if you send me a fax or email, if you would like it.